Beyond Compliance: Securing the Instant Future
Discover the latest insights and strategies in fraud prevention and AML compliance and explore how AI technologies redefine operational efficiency for financial institutions.
Instant Payments
SOFORT-ZAHLUNGEN BRAUCHEN EINE RISIKOKONTROLLE IN ECHTZEIT - UM KONFORM, SICHER UND WETTBEWERBSFÄHIG ZU SEIN
Our RiskShield real-time risk control engine helps all payment service providers including banks in the eurozone to fulfill the obligation to implement SEPA Instant payments, while complying with the regulations without compromising security of their consumers and risking reputation or fines.
Prestigious financial institutions have trusted in RiskShield by INFORM for more two decades.
Real-Time Risk Control for Instant Payments – Across All Departments
The new instant payments regulations impact multiple departments across financial institutions – particularly in the areas of compliance, fraud prevention, sanctions screening, and continuous monitoring. To meet strict time constraints and regulatory requirements, each of these functions must operate seamlessly and in real time.
RiskShield offers a comprehensive, all-in-one solution designed to meet these demands. At its core is a hybrid artificial intelligence approach that combines expert knowledge with AI – achieving the ideal balance between precision, flexibility, and speed.
Facing growing FinTech competition, traditional banks must act decisively – not reactively. Modernize risk control across fraud, compliance, and screening. Don’t wait. Act with confidence.
RiskShield Supports Key Roles in Instant Payment Risk Management
No matter your role, RiskShield empowers you to reach your goals.
Are you interested to learn more, read here what instant payment regulations mean for different perspectives. [Link to blog post]
Instant payments move in seconds. That leaves no time for manual review, fragmented workflows or outdated rules. RiskShield empowers you to detect threats, adhere to regulatory obligations and keep payments flowing – all in real-time.
Available as a scalable SaaS solution. High Lifetime Value through Maximum Flexibility – RiskShield reduces the need for costly Change Requests (CRs) by offering a highly adaptable system that can be adjusted independently to new threats and business requirements.
benefits in short
- 24/7/365 risk decision: every calendar day, including weekends and public holidays
- Full compliance with EU regulations: in both receiving and sending instant payments
- Reporting and Security Protocols: Automated FIU reporting
RiskShield cut our fraud losses by 88%.
Instant Payment Risks – and How RiskShield Solves Them
Challenge
- Real-time fraud risks
Traditional fraud detection is too slow for instant payments. - Account takeovers & social engineering
Attackers trick customers into authorizing payments. - Synthetic identities & mule accounts
Fraud rings exploit onboarding and transactions. - Regulatory pressure
Compliance with PSD3/PSR, AMLD, DORA, and FedNow is essential. - Operational burden
Teams must react instantly, without slowing transactions.
How RiskShield solves it
- AI-powered decisioning within milliseconds
Stops fraud before money can leave the account – even in high-speed environments. - Adaptive fraud models + explainable scoring
Detects anomalies and clarifies every alert. - Hybrid detection using rules + ML
Spots hidden and evolving fraud tactics. - Audit-ready explainability + policy versioning
Ensures full regulatory traceability. - Automated screening + customizable rules
Reduces noise without slowing operations.
Further Information about Instant Payments
Let’s talk about your instant payment challenges.
Whether you’re responsible for fraud prevention, compliance or sanctions screening – we’re happy to answer your questions and explore how RiskShield can support your goals.
Use the form below to get in touch with our team.