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Find the revenue hiding in your decline queue

The financial services industry has hit a plateau in fraud reduction and has quietly redirected its energy toward authorization optimization. While approving more good customers, not just blocking more bad ones seems like a good idea in practice, they're still leaving money on the table. 

Download the in-depth report from Datos Insights, the leading research and advisory partner to the financial services industry.

There is a wide AI evaluation-to-implementation gap.

FIs broadly agree that contextual, real-time, AI-native decisioning beats legacy rules-based approaches, yet only 18% use contextual identity signals extensively and 65% use them just moderately. Integration complexity, volume-based licensing costs, and unclear ROI stall deployment.

Data sourcing is pragmatic, but proprietary data is prized.

FIs blend proprietary vendor data, behavioral analytics, device intelligence, and consortium participation to avoid single-source dependency, yet 55% call proprietary, non-consortium data moderately-to-extremely important, even though few can build it themselves at scale.

Authorization optimization is the new strategic priority.

One-to-three percentage point gains in approval rates now represent meaningful, recoverable revenue. This presents a bigger opportunity for most FIs than further fraud-loss reduction, which has plateaued.

Datos Insights survey of 52 fraud executives across financial institutions and fintechs, Q2 2026.

55%

say proprietary vendor data matters more than consortium data

71%

expect AI-powered attacks to have the greatest impact on payment fraud

100+

Trust Score point lift from device continuity, login to purchase

18%

of FIs use contextual identity signals extensively in real-time fraud scoring

The Pipl Trust Solution Suite

Calibrated risk scores, at the authorization moment

Trust API delivers Elephant's risk assessment at the moment of decision. Identity, behavioral, and device signals are evaluated as one connected picture, calibrated to the environment's fraud patterns rather than a generic baseline.

Every score ships with 50+ customer-facing signals and reason codes, so every decision is explainable. Millisecond, stateless delivery lets Trust API deploy into live workflows without adding operational complexity.

 

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