• Global transaction share: India accounts for approximately 45% of global digital transactions, creating significant exposure to evolving fraud risks including KYC tampering, phishing, and mule accounts.
• Risk intelligence platform: NPST developed an AI-based fraud decisioning platform trained on 640 million transactions across 20 to 25 banks, scaling from 30–40 initial rules to approximately 300 AI-driven rules based on merchant transaction patterns.
• Merchant risk underwriting: The platform applies AI underwriting to digital payments by analyzing cross-channel data and KYC documentation to flag anomalies and assign risk limits for POS, QR, and soundbox solutions weeks in advance.
• Fraud detection accuracy: The platform maintains a 98% prediction accuracy by pairing data scientists with fraud and payment domain experts to validate and filter system-generated rules before implementation.