{"id":2979407,"date":"2025-09-02T04:01:54","date_gmt":"2025-09-02T08:01:54","guid":{"rendered":"https:\/\/www.pymnts.com\/?post_type=study_posts&#038;p=2979407"},"modified":"2025-09-03T22:17:39","modified_gmt":"2025-09-04T02:17:39","slug":"fighting-fraud-finding-trust-amid-banking-data-deluge","status":"publish","type":"study_posts","link":"https:\/\/www.pymnts.com\/study_posts\/fighting-fraud-finding-trust-amid-banking-data-deluge\/","title":{"rendered":"Fighting Fraud and Finding Trust Amid Banking\u2019s Data Deluge"},"content":{"rendered":"<p>In today\u2019s digital economy, data has become the essential resource that creates the engine powering financial institutions (FIs), credit unions and FinTechs.<\/p>\n<p>Yet in an environment where fraud is escalating, government data pipelines are narrowing and artificial intelligence is reshaping decision-making, the urgent question is no longer whether data matters but whether firms can trust the signals they receive.<\/p>\n<p>That\u2019s the challenge explored in PYMNTS\u2019 \u201c<b><strong>Searching for Reliable Signals in Banking\u2019s New Data Reality<\/strong><\/b>\u201d series, part of the What\u2019s Next in Payments coverage.<\/p>\n<p>The series draws insights from leaders across four firms in the financial services ecosystem: <a href=\"https:\/\/www.linkedin.com\/in\/durovy\/\" target=\"_blank\" rel=\"noopener\">David Durovy<\/a>, senior vice president of transformation at <a href=\"https:\/\/www.i2cinc.com\/\" target=\"_blank\" rel=\"noopener\">i2c<\/a>; <a href=\"http:\/\/linkedin.com\/in\/jeremiah-lotz-5945114\" target=\"_blank\" rel=\"noopener\">Jeremiah Lotz<\/a>, senior vice president of enterprise data and experience design at <a href=\"https:\/\/www.velera.com\/\" target=\"_blank\" rel=\"noopener\">Velera<\/a>; <a href=\"https:\/\/www.linkedin.com\/in\/pradheep\/\" target=\"_blank\" rel=\"noopener\">Pradheep Sampath<\/a>, chief product officer at <a href=\"https:\/\/www.entersekt.com\/\" target=\"_blank\" rel=\"noopener\">Entersekt<\/a>; and <a href=\"https:\/\/www.linkedin.com\/in\/beckerk\/\" target=\"_blank\" rel=\"noopener\">Kyle Becker<\/a>, chief financial and risk officer at <a href=\"https:\/\/about.concoracredit.com\/\" target=\"_blank\" rel=\"noopener\">Concora Credit<\/a>. Together, their perspectives offer a window into how data is being reshaped as the foundation and frontier of banking.<\/p>\n<p>Durovy said financial providers must ensure AI does not take the \u201c51% seat\u201d in decision-making, warning that without <a href=\"https:\/\/www.pymnts.com\/data\/2025\/i2c-urges-banks-to-use-caution-when-adding-ai-to-playbooks\/\" target=\"_blank\" rel=\"noopener\">human-led oversight<\/a>, firms risk losing control of data integrity. Credit unions are compensating for shrinking government datasets by leaning on first-party transaction data and consortium partnerships.<\/p>\n<p>Sampath said financial crime requires data to be \u201ca <a href=\"https:\/\/www.pymnts.com\/data\/2025\/fraudsters-share-playbooks-so-why-wont-banks-share-data\/\" target=\"_blank\" rel=\"noopener\">team sport<\/a>,\u201d blending traditional sources with faster, alternative signals.<\/p>\n<p>Meanwhile, Becker described how <a href=\"https:\/\/www.pymnts.com\/loans\/2025\/lenders-fight-fraud-and-find-borrowers-with-alternative-data\/\" target=\"_blank\" rel=\"noopener\">alternative data<\/a>, particularly cash flow underwriting, is expanding credit access while strengthening fraud defenses.<\/p>\n<p>What emerges is a common theme. Data remains indispensable, but it is evolving. Institutions that strike the right balance between traditional and real-time sources, which share intelligence responsibly, and that deploy AI with governance will be best positioned to compete. Reliable signals are not given; they are built, safeguarded and continuously validated.<\/p>\n<ul>\n<li><a href=\"#first_title\"> Fraud Defense Requires Data, Speed and Trust<\/a><\/li>\n<li><a href=\"#second_title\"> Data Collaboration Without Collusion<\/a><\/li>\n<li><a href=\"#third_title\"> Building Layers of Data Intelligence<\/a><\/li>\n<\/ul>\n<p>[branded_divider]<\/p>\n<h2 id=\"first_title\" class=\"lh-sm fw-bold\">Fraud Defense Requires Data, Speed and Trust<\/h2>\n<p>Fraud has become an ongoing challenge for financial institutions and FinTechs, and executives across the series underscored data\u2019s central role in the fight. As Sampath put it: \u201cIt takes a village to fight fraud.\u201d<\/p>\n<p>Traditional data sources, from the <a href=\"https:\/\/www.federalreserve.gov\/\" target=\"_blank\" rel=\"noopener\">Federal Reserve<\/a>\u2019s payment fraud reports to suspicious activity filings at the <a href=\"https:\/\/www.fincen.gov\/\" target=\"_blank\" rel=\"noopener\">Financial Crimes Enforcement Network<\/a>, have long formed the backbone of information used in risk monitoring. However, Sampath cautioned against relying on these sources alone.<\/p>\n<p>\u201cWe need to detect suspicious trends faster by looking beyond just government data feeds,\u201d he said.<\/p>\n<p>The solution is to blend historical signals with real-time behavioral insights, device fingerprints and geolocation markers, he said.<\/p>\n<p>Velera\u2019s Lotz agreed that <a href=\" https:\/\/www.pymnts.com\/credit-unions\/2025\/credit-unions-battle-for-the-right-data-to-fight-fraud'\" target=\"_blank\" rel=\"noopener\">fraud prevention<\/a> requires immediacy and perspective.<\/p>\n<p>\u201cReal-time data is certainly going to \u2018win the moment\u2019 in many cases, but historical data is going to \u2018win\u2019 the strategy,\u2019\u201d he said.<\/p>\n<p>This allows AI models to spot anomalies in the moment while grounding those alerts in broader patterns.<\/p>\n<p>Durovy stressed the importance of human-led \u201cdata intelligence\u201d in fraud defense.<\/p>\n<p>\u201cWe all need to have that data intelligence capability to see the first-party data, to make sense of it, to ensure our third-party data is not driving aberration in our portfolios&#8230;,\u201d he said.<\/p>\n<p>Fraud defense mechanisms increasingly must be intertwined with credit underwriting. Alternative means of bolstering defenses, such as cash flow verification, \u201cnot only helps lenders gauge repayment ability but also doubles as a fraud defense,\u201d Becker said.<\/p>\n<p>Across the perspectives of the four executives that weighed in for the What\u2019s Next in Payments series, the consensus was that fraud cannot be stopped with old data alone. By fusing legacy signals with faster, alternative sources and maintaining governance, FIs can keep pace with criminals while protecting consumers.<\/p>\n<p>[branded_divider]<\/p>\n<h2 id=\"second_title\" class=\"lh-sm fw-bold\">Data Collaboration Without Collusion<\/h2>\n<p>While FIs compete in the marketplace to forge new customer relationships and keep existing ones intact, executives said fraud prevention and data reliability are areas where cooperation can benefit all. Durovy called fraud risk management \u201ca rare, competitive-neutral space where institutions can share intelligence without compromising proprietary advantage.\u201d<\/p>\n<p>Velera has put this into practice, aggregating shared data across 4,000 credit unions.<\/p>\n<p>\u201cMy advice is not to be afraid of consortium data,\u201d Lotz said.<\/p>\n<p>Consumers already expect their financial providers to use their data for safety and experience, so when it comes to transforming that expectation into coordinated defense, the opportunity is significant, he said.<\/p>\n<p>Sampath described consortium models as essential for combating fraud.<\/p>\n<p>\u201cWhere the industry needs to go forward is to share data in a responsible manner across consortia, while preserving fair competition,\u201d he said.<\/p>\n<p>Privacy-enhancing techniques, including encryption and federated data models, allow institutions to exchange risk intelligence without exposing sensitive details, he said.<\/p>\n<p>Becker underscored the benefits of layered intelligence. By continuously evaluating and integrating about a dozen new alternative data sources each year, the company strengthens underwriting and fraud detection.<\/p>\n<p>\u201cWe often find one or two [new data sources] per year that we add, and we just keep layering that into this stack \u2026 that makes us a little bit better over and over and over again,\u201d he said.<\/p>\n<p>No single dataset, institution or tool can address fraud and risk in isolation. Collaboration is not collusion; it is resilience. By contributing anonymized insights into shared pools, firms collectively raise the bar against fraudsters.<\/p>\n<p>\u201cAnd the thread that binds us all together is data that\u2019s actionable, shared in good faith, and governed responsibly,\u201d Sampath said.<\/p>\n<p>[branded_divider]<\/p>\n<h2 id=\"third_title\" class=\"lh-sm fw-bold\">Building Layers of Data Intelligence<\/h2>\n<p>The series also explored how institutions are balancing traditional data with alternative sources of information previously unavailable to enterprises to strengthen decision-making.<\/p>\n<p>For Durovy, legacy data such as historical bureau files and first-party transaction records remain \u201cindispensable\u201d for underwriting and compliance.<\/p>\n<p>\u201cWhen you\u2019re doing things like underwriting, you can\u2019t use unproven data,\u201d he said.<\/p>\n<p>Yet traditional sources are under pressure, with government statistics shrinking and consumer behaviors evolving. That\u2019s where alternative data is gaining traction.<\/p>\n<p>\u201cAlternative data is super useful because it allows you to maintain or reduce risk while also providing access to credit to more people,\u201d Becker said.<\/p>\n<p>Cash flow underwriting, for instance, offers a real-time lens into repayment ability while serving as a fraud check, he said.<\/p>\n<p>Lotz said the strongest strategies combine historical and real-time data.<\/p>\n<p>\u201cWe want to use real-time data and real-time transactions to be able to understand what\u2019s happening in that moment for that consumer,\u201d he said, while also looking back at \u201cretro\u201d data to spot long-term trends.<\/p>\n<p>Sampath echoed that dual perspective with a nod to the balance between what went before and the information that\u2019s being used in real time.<\/p>\n<p>\u201cHistorical data is the foundation; any model you have today needs that history,\u201d he said. \u201cBut we also need real-time risk radars because threats evolve every week.\u201d<\/p>\n<p>These \u201cradars\u201d include behavioral analytics, device fingerprints and geolocation trails, he said.<\/p>\n<p>Ultimately, executives described data not as a single pipeline but as a layered system. Traditional bureau files, proprietary transaction data, commercial datasets and alternative signals each play a role. The opportunity is in integration, or knowing when and how to apply each source responsibly.<\/p>\n<p>\u201cThe credit bureau data will always matter,\u201d Becker said. \u201cBut I think alternative data is going to play a big role.\u201d<\/p>\n","protected":false},"featured_media":2986061,"template":"","categories":[17659],"tags":[4055,9617,4313,163613,5333,19817,14927,13328,4174,9056,9206,133069,60852,3717,153943,4072,149161,165660],"class_list":["post-2979407","study_posts","type-study_posts","status-publish","has-post-thumbnail","hentry","category-data","tag-b2b","tag-b2b-payments","tag-banking-2","tag-concora-credit","tag-data","tag-digital-transformation","tag-entersekt","tag-featured-news","tag-fraud","tag-i2c","tag-news","tag-pymnts-news","tag-pymnts-tv","tag-security","tag-velera","tag-video","tag-whatsnextinpaymentsseries","tag-whats-next-in-payments-the-search-for-reliable-data-signals-2025","series-whats-next-in-payments"],"acf":[],"yoast_head":"<!-- This site is optimized 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