Award celebrates i2c’s AI-driven fraud risk management solution that is setting new standards for accuracy, speed, and real-time protection for financial institutions

i2c Inc., a global financial technology innovator, today announced it has been awarded Excellence in Tech: Best AI Solution–Fraud Fighter at the PayTech Awards USA 2025, recognizing the company’s AI-driven fraud risk management solution. Hosted by Fintech Futures, a trusted media platform that offers insights into the fintech ecosystem, the PayTech Awards USA celebrate the creativity, dedication, and groundbreaking contributions that are shaping the future of payments technology.

i2c’s AI-driven fraud risk management solution is a next-generation defense against financial fraud, delivering unmatched accuracy, speed, and scalability. Unlike standalone fraud tools that require costly and complex integration, i2c’s fraud detection is embedded directly into its unified issuer processing platform, eliminating the need for additional infrastructure and reducing operational overhead.

Powered by advanced machine learning, the solution continuously analyzes transaction data across customer, merchant, and acquirer profiles, updating its models every three to four months, enabling financial institutions and fintechs to stay ahead of emerging fraud tactics. A continuous feedback loop between i2c’s data scientists and fraud analysts further refines the models based on real-world fraud patterns, ensuring accuracy and adaptability. The solution is also developed with strong governance and ethical safeguards to support transparency, fairness, and the responsible use of AI.

The results are industry-leading:

• i2c’s AI-driven fraud risk management solution excels with prepaid cards, reducing fraud rates to 2.3 basis points, a 62% improvement over the industry average of 6 basis points, while maintaining a higher approval rate of 90%.
• The solution captures 41% of fraud volume in prepaid transactions, outperforming industry models that capture less than 30%.

“Fraud is evolving faster than ever, and financial institutions need AI solutions that are not only accurate, but adaptable, explainable, and responsible,” said Matt Pearce, Head of Fraud Risk Management & Dispute Operations at i2c. “Being recognized in the PayTech Awards USA 2025 is a validation of our belief that fraud prevention works best when it’s built directly into the core platform—not bolted on. We’re proud to deliver technology that reduces fraud, lowers costs, and strengthens trust for our clients and their customers around the world.”

i2c was also recognized as a finalist in two additional PayTech Awards 2025 categories:

• Best Real-Time Payments Solution (Finalist): i2c’s Payment Hub is redefining money movement, allowing clients to connect to networks like FedNow, Visa Direct, and ACH through a simple set of APIs. Offering seamless core banking stack integration, intelligent fraud monitoring and built-in compliance controls, the solution provides flexibility, speed and control to deliver next-gen, high-performance money movement experiences.
• Woman in PayTech (Finalist): Serena Smith, Chief Client Officer at i2c, was recognized for her exceptional leadership and impact on the payments and fintech industry. Serena has not only driven i2c’s client success but also championed diversity and inclusion initiatives.

These acknowledgements at the PayTech Awards USA 2025 demonstrate the strength of i2c’s AI-driven fraud risk management solution, the breadth of its end-to-end payments capabilities, and the impact of its leadership team in driving innovation across the fintech and payments landscape. Pearce’s recent PYMNTS interview further underscores this momentum, detailing how i2c balances agility and trust, leverages federated learning to safeguard personal data, and treats AI as a business engine through its disciplined 90-day deployment and model refresh cycles.

About i2c Inc.

An award-winning global financial technology innovator powering credit, debit, prepaid, core banking, and money movement solutions, i2c unifies banking and payments in an all-in-one platform, transforming product personalization with a customer-centric architecture and accelerating speed-to-market with composable building-block solutions. Financial institutions and fintechs globally trust i2c to help them quickly and efficiently configure and scale differentiated financial offerings in an evolving, competitive market. Powered by innovation and driven by trust for more than 25 years, i2c blends modern ingenuity with expert reliability to supercharge exceptional banking and payments experiences for millions of users and billions of transactions worldwide.

For more information, visit i2cinc.com and follow us on LinkedIn at @i2cinc.

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