This white paper provides comprehensive analysis of payment fraud prevention challenges facing financial institutions, payment processors, and national payment infrastructure operators in 2026 and beyond.
The document examines the convergence of accelerating fraud losses, evolving regulatory requirements under PSD3 and the Payment Services Regulation (PSR), and limitations of legacy fraud prevention systems.
The primary objective is to establish a strategic framework for fraud prevention modernization addressing regulatory compliance mandates, operational efficiency requirements, and customer experience expectations. Detailed technical and business analysis of IBM Safer Payments demonstrates third-generation fraud prevention capabilities addressing contemporary challenges while supporting future payment ecosystem evolution.
The white paper examines the operational requirements imposed by evolving fraud typologies and regulatory mandates, evaluates the limitations of legacy fraud prevention architectures, and details how IBM Safer Payments enables financial institutions to achieve regulatory compliance while reducing fraud losses and operational costs. The analysis draws from production deployments, regulatory guidance from the European Banking Authority, and documented performance metrics from implementations across diverse payment environments.