Fragmented tools, fragmented defences: building full-journey fraud intelligence

Takes place on 16 Jul 2026 06:00 AM PDT / 09:00 AM EDT / 03:00 PM CET

Cosmina Hrisca

10 Jul 2026 / 5 Min Read

Why your fraud stack isn't delivering the results you expected

The 2026 fraud landscape looks different from anything merchants have dealt with before. Agentic AI now lets fraudsters orchestrate attacks autonomously, generating synthetic identities, running credential abuse at machine speed, and adapting in real time across login, checkout, and refund flows. Legacy stacks built around static rules and siloed data simply cannot keep pace.

But speed isn't the only problem. For most enterprise merchants and PSPs, the deeper issue is fragmentation. Fraud defences are concentrated at the transaction moment, leaving the rest of the customer journey largely unmonitored. When your data is incomplete, your AI models underperform, your orchestration has nothing to connect, and automation hits a ceiling well before it pays off.

The challenges merchants face:

The availability and access to relevant data
AI underperformance, models failing to deliver expected accuracy
Automation stalls, initiatives that never reach full scale
Fraud tool customization

Agenda

Why fraud programmes fail to achieve expected results, even with mature tooling
What's blocking AI, automation, and orchestration from reaching their full potential
How leading merchants orchestrate fraud controls across the full customer lifecycle, connecting identity, authentication, payments, refunds, and post-transaction activity into a single decisioning layer to improve decisioning, reduce friction, and replace disconnected point solutions
Where to start, the highest-impact changes merchants can make to close fraud intelligence gaps and improve performance now

Presenters

Erika Dietrich

VP Analytics & Optimization Payments Intelligence

Matteo Gamba

Independent Payments & Fintech Advisor

Tracy Kobeda Brown

Fraud Futurist & Global Speaker

Keywords:

Agentic AI fraud synthetic identity fraud fraud data fragmentation fraud orchestration credential abuse fraud prevention merchants

Countries:

World

The Paypers is a global hub for market insights, real-time news, expert interviews, and in-depth analyses and resources across payments, fintech, and the digital economy. We deliver reports, webinars, and commentary on key topics, including regulation, real-time payments, cross-border payments and ecommerce, digital identity, payment innovation and infrastructure, Open Banking, Embedded Finance, crypto, fraud and financial crime prevention, and more – all developed in collaboration with industry experts and leaders.