Visa (NYSE: V), a world leader in digital payments, today revealed an improved version of A2A Protect, delivering real-time risk insights that help banks stop account-to-account fraud before money leaves customer accounts. The expanded solution introduces a new unified fraud score Visa’s first in-market integration of Featurespace technology, giving financial institutions faster, clearer signals to detect more fraud while reducing unnecessary alerts.
As global A2A payments grow rapidly, transaction volume is projected to exceed $5.8 trillion by 2028 — a 160% jump from 2024. A2A Protect uses advanced AI and transfer learning to give banks instant access to key global risk insights on A2A payments without waiting months for models to develop intelligence from a bank’s own transaction data, and without having to wait for other banks to join a consortium, delivering results and value from day one. Banks that opt in can incorporate additional network-level signals to enhance detection of emerging threats operating across the ecosystem.
Fraudsters move fast across payment types, and financial institutions need risk insights just as quickly, without slowing down legitimate payments”, said Walter Lironi, Senior Vice President, Head of Head of Value-Added Services, Central and Eastern Europe, Middle East, and Africa (CEMEA), Visa. A2A Protect combines Visa’s network expertise with Featurespace’s technology to deliver a powerful new layer of protection that helps financial institutions detect more fraud, earlier.
For financial institutions that opt into network-level intelligence sharing, A2A Protect highlights emerging scam hotspots and coordinated fraud activity insights that may be difficult for individual financial institutions to detect alone, and that help the wider ecosystem respond faster to new threats. This gives financial institutions a more complete and early view of risk, helping to identify scams before authorisation.
A2A Protect connects to financial institutions’ existing systems via a single API, cutting implementation time and complexity. Every alert comes with a clear explanation of why a transaction was flagged, so fraud teams can act fast and confidently without impacting legitimate customers.