retail and e-commerce fraud management solution
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Ecommerce fraud management solutions for retail and online merchants
Ecommerce fraud has evolved into a structural threat for retailers and online merchants, with merchants incurring an average all-in cost of $4.61 for every $1 of direct fraud loss across the U.S. retail sector. As digital transactions, channel diversity, and AI-assisted fraud tactics increase, retailers need a fraud management approach that combines AI/ML-driven detection with operational expertise to protect revenue without blocking legitimate buyers.
Infosys BPM ecommerce fraud management solutions combine advanced AI/ML models customised to your retail and ecommerce operations, experienced fraud detection specialists, and multi-source data analytics to deliver measurable outcomes including 10x ROI, ~$2 million in potential savings, and 50% reduction in false positives. Our integrated fraud management approach spans ecommerce transaction monitoring, point-of-sale (POS) fraud detection, and anti-counterfeiting operations across the retail value chain, supporting retailers and online merchants in protecting revenue, brand integrity, and customer trust.
E-Com fraud management
AI/ML-driven detection of anomalous ecommerce transactions and behavioral patterns, with multi-source data analytics to identify card-not-present fraud, account takeover, and high-risk transactions before they impact revenue.
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PoS fraud management
Comprehensive point-of-sale (POS) fraud detection that works across in-store transaction systems, multiple data sources, and channel-specific risk signals to identify fraudulent activities in retail operations.
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Product counterfeit management
Proactive anti-counterfeiting operations including supply chain monitoring, brand protection analytics, and marketplace surveillance to safeguard product authenticity and brand integrity in retail and online channels.
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Measurable outcomes from our ecommerce fraud management solutions
We offer a comprehensive retail and ecommerce fraud management solution based on our years of experience from multiple industries across the globe, customised to client-specific needs.
10x ROI
~$2 Million potential Savings
50% less
False positives
AI/ML Models
Customised per your business
Find out if your business is forgery resistant
Why retailers and online merchants choose Infosys BPM for ecommerce fraud management
Infosys BPM ecommerce fraud management combines AI/ML-driven detection technology with experienced fraud operations teams, delivering an integrated services approach rather than a software-only platform. Our solutions are customised per retail and ecommerce client, calibrated to client-specific fraud patterns, channel mix, and transaction volume.
AI/ML models customised per client: Unlike platform-only providers, our fraud detection models are calibrated to each retailer's transaction patterns, channel mix, and risk profile. Models are continuously retrained as fraud tactics evolve.
Integrated services across the fraud lifecycle: End-to-end fraud operations covering transaction monitoring, alert triage, investigation, chargeback management, and continuous model tuning. Retailers do not need separate vendors for detection, operations, and chargeback recovery.
Multi-domain fraud coverage: Comprehensive coverage across ecommerce transaction fraud, point-of-sale (POS) fraud, and anti-counterfeiting, integrated under unified governance and reporting.
Measurable retail outcomes: Our retail and ecommerce engagements deliver 10x ROI, approximately $2 million in potential savings per engagement, 50% reduction in false positives, and AI/ML models customised to each client's business.
Insights
Challenges & solutions - ecommerce fraud solutions
Outsourced ecommerce fraud management is most strategically valuable when retailers face one of three operational conditions: scaling transaction volume faster than in-house fraud teams can grow, expanding into new channels or geographies that introduce unfamiliar fraud patterns, or modernizing legacy fraud detection systems with AI/ML capabilities without large capital investment in technology and specialist hiring. Building internal fraud teams remains the right choice when fraud strategy is a core competitive differentiator. Infosys BPM ecommerce fraud management solutions are designed for retailers in the first three scenarios, complementing internal fraud capabilities rather than replacing strategic fraud governance.
Retailers evaluating fraud management providers should assess five dimensions beyond surface capability claims: model customisation depth (client-specific AI/ML models vs. one-size-fits-all algorithms), service integration breadth (detection only vs. end-to-end fraud lifecycle operations including chargeback management), false positive performance (impact on legitimate customer experience and revenue), commercial model alignment (consumption-based vs. transaction-based vs. outcome-based), and operational expertise (experienced fraud analysts vs. software-only delivery). The right provider balances detection accuracy with revenue protection, recognising that aggressively blocking transactions to reduce fraud also blocks legitimate buyers and increases customer churn.
AI and machine learning models reduce false positives by analysing multiple data signals in combination rather than relying on rule-based decisioning alone. Effective ML-driven fraud detection evaluates transaction patterns, device fingerprints, behavioral biometrics, network signals, and historical purchase behavior to distinguish genuine high-value transactions from fraudulent ones. Unlike rule-based systems that block any transaction matching a risk pattern, ML models calculate the probability of fraud across hundreds of signals, surfacing only the highest-risk transactions for review. Infosys BPM ecommerce fraud management deploys customised AI/ML models per client, typically delivering 50% reduction in false positives compared to legacy rule-based systems.
Card-not-present (CNP) fraud and account takeover (ATO) are the two most common fraud patterns in modern ecommerce, requiring different detection mechanisms. CNP fraud detection focuses on transaction-level signals: card validation, billing-shipping address mismatch, device and IP geolocation, behavioral patterns at checkout, and historical purchase signals. ATO detection focuses on identity-level signals: login behavior, device recognition, password reset patterns, and post-login navigation anomalies. Effective ecommerce fraud management requires both detection layers operating in coordination, supported by experienced fraud operations teams for alert triage and case investigation. Infosys BPM ecommerce fraud management combines CNP and ATO detection with end-to-end fraud operations across the retail customer journey.
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