First-party fraud is now
the bigger problem
Card-present fraud has dropped as EMV chip adoption matured. The growth is in first-party fraud - customers disputing legitimate transactions, or using account opening bonuses before closing the account. Detectiv's models distinguish genuine theft from manufactured disputes.
Promo abuse costs more
than chargeback fraud
Card fraud gets all the attention, but for most e-commerce merchants the larger loss is coupon stacking, refund abuse, and account bonus farming. Detectiv tracks promo consumption alongside payment behavior to flag these patterns before they scale.
The faster payments move,
the faster fraud follows
Real-time payment rails give fraudsters a narrower window but a clean escape: once funds move, recovery is rare. Detectiv's sub-50ms scoring fits within the authorization window on every major real-time payment scheme.
Synthetic identities start
with a clean application
Insurance fraud often begins at onboarding - a fabricated identity that builds a claims history over time. Detectiv's identity graph analysis flags the construction of synthetic profiles at the application stage, before the first premium is even collected.
