Worldwide, fraud is manifested typically after payment credentials are compromised. Having said that, there are scenarios where “friendly frauds” are committed by the card or account holders themselves. Fraud and risk management systems (FRM) the world over attempt to look at electronic payment transactions and sniff out the ones that look like outliers. The primary challenge of FRM systems is how to detect these outliers. Every FRM system is essentially friction in the path of the transaction, so we need a system that can do it without adversely affecting customer experience. Additionally the job of countering real-time payment frauds in even more difficult, as you get only one chance while the data is in motion.