Marqeta, a U.S.-based card issuing platform traded on Nasdaq, has enhanced its Real-Time Decisioning (RTD) solution with an AI-driven risk assessment feature that gauges transactional risks at the point of authorization.

As per the official press statement, this capability is incorporated into Marqeta’s system and uses proprietary transaction data from its card programs to recognize unique risk indicators specific to each customer’s circumstances.

The AI-powered score examines over 300 real-time transactional attributes against historical behavioral trends, dynamically adjusting to individual cardholder behaviors and market fluctuations. It swiftly processes responses, allowing users to evaluate risks, act promptly, and construct risk models based on genuine customer data. The RTD feature permits the setting of custom rules and controls for fraud management along with the AI scoring mechanism.

Overview of the Fraud Environment and Platform Details

According to research by Juniper Research, global payment fraud is anticipated to surge by 153% between 2025 and 2030. This escalating trend intensifies the need for card issuers and program administrators to deploy detection methods capable of recognizing emerging fraud patterns rather than relying exclusively on historical rule sets. Marqeta’s incorporation of machine learning into its authorization process is aimed at continuously detecting evolving fraud trends and adapting to new threats without manual rule updates.

The AI risk score is part of Marqeta’s broader RiskControl portfolio, which also comprises Know Your Customer checks, 3D Secure verification, and comprehensive end-to-end dispute management tools.

On this note, Anthony Peculic, Interim Chief Product Officer at Marqeta, remarked that fraud threats are developing more rapidly than ever before. Businesses must keep up with these changes as they scale their card programs and embedding AI-powered safeguards into the authorization process facilitates both growth and robust fraud defense.