AI-Powered Transaction Forensics
See both sides of every payment, not just your own customer.
Catch 200% more fraud compared to a standalone system
Reduce false positives by 80% with real-time, precise detection
API-enabled insights delivered real-time in less than 200 milliseconds
The data and the models, working together
From a sort code and account number, we identify the party your customer is paying or being paid by, and read our data with Resistant AI's models to score both sides in under 200 milliseconds.
Others have the data or the models. The improvement comes from putting our data and Resistant AI's models to work on the same payment.
The proof
In a UK payments provider deployment, we added Transaction Forensics on top of the monitoring they already ran, with no rip and replace. We measured the uplift on both inbound and outbound flows, so the gain holds whichever way the money moves.
- 200% more fraud detected than a standalone system
- 80% reduction in false positives
- 50% reduction in total alert volume
Results from a single UK payments provider deployment. Individual results will vary.
Why this matters now
According to UK Finance (2026), APP losses reached £576.4m in 2025, up 19% year on year.
Since October 2024 the PSR splits liability 50/50 between the sending and the receiving bank, so you now carry the risk on money you take in from a sender you know nothing about.
Traditional monitoring sees your own customers and your own history, but is nearly blind to the other party in a payment, which is where scams, mules and laundering sit.
Who is the money going to? Who is it coming from? Is your customer a victim, or a mule? Today you can't tell. We change that.
Arrange a Proof of Value now
This is not another AI fraud tool
Most fraud tools are a model pointed at your own data.
Transaction Forensics adds two layers underneath the AI that a bank can't easily build alone. The layering is what makes the difference.
Identify the counterparty
From nothing more than a sort code and account number, we resolve and match the party on the other side of the payment, the one your customer is paying or being paid by, even when they're not your customer and bank elsewhere.
Gives you a real party to assess, not just an account number on a payment instruction.
Pull the full data, on both parties
We enrich your customer and the counterparty with the whole Experian picture, not a single score: bureau records, fraud consortium history and victim flags, current account turnover, business profile, hardship and network links.
Surfaces risk signals your own data can't show you.
Apply Resistant AI's models on top
Resistant AI's models score that enriched, dual-party picture in real time and return a decision in under 200 milliseconds, each one with a reason attached.
Delivers a precise, explainable decision before the money moves.
See it in action
An illustrative example of a single inbound payment, decided in milliseconds.
Your customer is about to receive an £8,000 payment from an account they've never dealt with before.
What your controls see:
- A valid payment into a verified customer's account
- A name, a sort code and an account number
- Nothing unusual in your own history
- No reason to act
What Transaction Forensics sees:
- The sending account was opened 12 days ago
- It presents as a business but has no Companies House record
- Two other institutions have already flagged it for fraud
- It's taken in a run of fast-in, fast-out transfers this week
What it means for your business
Questions our buyers ask
Yes. The overlay adds signals your own data and rules can't see, on both parties to the payment.
Yes. Scores and reasons return into your existing case management, so your team decides how to act, within the workflow you already run.
It's an overlay via secure API. Live in weeks, not a rip and replace.
No meaningful delay. Decisions return in under 200 milliseconds, inside the payment flow.
Regulated Experian data used for fraud prevention, under the lawful basis confirmed for your deployment.
Every decision carries a reason, for the sending and the receiving obligation alike.
What a proof of value involves
See the uplift on your own data before you commit to anything.
You share a sample
A set of your transactions and your current baseline. No change to your systems.
We enrich and score
We resolve and enrich both parties and run them through the overlay.
You see the uplift
The fraud caught and false positives removed against your own controls, in weeks.
Ready to see it on your own data?
Book a proof of value and our experts will show you the results on your own data, and we'll talk through how it fits what you already run.
No obligation, and we'll reply within one working day.
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