AI-Powered Real-Time Decisioning Case Study

This case study details the implementation of AI-powered real-time decisioning by a large omnichannel retailer to enhance its fraud prevention strategy. The retailer faced challenges due to increased fraud risks associated with high transaction volumes and the limitations of legacy controls. To address these issues, the retailer adopted ACI's unified platform, which included AI-driven risk scoring and a dynamic fraud engine capable of automating transaction approvals and declines. Within six months, the retailer achieved a more than 40% reduction in false-positive declines and reclaimed nearly 3,000 team hours annually through automation. Additionally, the retailer experienced close to a 1% revenue uplift by approving more legitimate orders while maintaining fraud levels below 0.05%. The case study highlights the retailer's shift from reactive fraud management to a proactive approach, leveraging data and AI to refine risk policies and enhance transaction security without compromising speed.