Inside VTUMax's Approach to Fraud Detection

Fraud detection in fintech has a specific failure mode that doesn't show up in the marketing copy: false positives are just as expensive as false negatives, because they lock out real customers.

Scoring, not blocking

AI Security assigns every transaction a risk score based on funding pattern, device history, and velocity, but it doesn't unilaterally block anything above a threshold by default. Merchants choose whether high-risk transactions get auto-held, flagged for review, or simply logged.

• Unusual funding source or amount for that user
• New device or location combined with high-value transfer
• Rapid, repeated failed authentication attempts

We'd rather give merchants a dial than a switch. The businesses we work with understand their own customers better than a generic risk model ever will.

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