19 Luglio 2025
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AI a strategic asset in the fight against e-Commerce fraud!

We have entered an era in which AI has become an essential tool for e-tailers in the fight against fraud (which itself uses AI)! Indeed, at a time when Artificial Intelligence is profoundly transforming our daily lives, it is also invading the most sensitive arenas of the Internet: cybersecurity and the fight against fraud. While it is becoming a powerful ally for e-commerce players, it is also – paradoxically – one of the most formidable tools in the hands of fraudsters.

Image d'une main humaine avec un doigt qui rejoint une main robotique. Avec au mileu le logo Oneytrust.

At Oneytrust, a long-standing player in the sector for over 25 years, we have turned this dual reality into an opportunity to innovate, by placing AI at the heart of our anti-fraud strategy.

How does Oneytrust use Artificial Intelligence to detect fraudulent behaviour?
Online fraud is evolving rapidly. Fraudsters are now using tools such as Chat GPT to industrialise their methods: cutting-edge phishing emails, identity theft, automated scam attempts, automated social engineering, etc. It’s no longer just a handful of malicious experts who are attacking e-commerce sites, but now also opportunistic, inexperienced ‘Sunday fraudsters’ who have no qualms about using AI to achieve their ends.
Faced with this growing threat, Oneytrust has decided to counter-attack by deploying its AI-powered anti-fraud solution. With our D-Risk Commerce solution, we analyse millions of transactions in real time to :

  • Identify anomalous behaviour and emerging fraud networks;
  • Proactively detect suspicious patterns and transaction anomalies using predictive algorithms;
  • Maintain a smooth user experience by reducing the friction associated with anti-fraud controls.

Our AI models are constantly evolving, fed by a massive volume of anonymised data and enriched by the human expertise of our analysts. The result: in 2024, we succeeded in detecting 85.1% of upstream fraud, while identifying 97.3% of false positives – a performance that makes it possible to secure transactions without penalising legitimate customers.

The challenges and opportunities of AI in the fight against fraud
Today, AI is at the heart of a ‘cat and mouse’ game between fraudsters and e-retailers. With each technological advance, fraud techniques become more sophisticated. The main challenge? Keeping up.

But in this race, AI is also a formidable source of opportunities:

  • Automated controls: shorter processing times and greater productivity;
  • Adaptability: algorithms can learn new fraud scenarios in a matter of hours;
  • Continuous improvement: each fraud detected feeds the models to strengthen future detection.

The other major challenge is to find the right balance between security and fluidity. AI that is too strict can block legitimate sales. AI that is too permissive opens the door to fraud. At Oneytrust, we have made this a priority, by putting human intelligence at the service of artificial intelligence.


Artificial intelligence and human expertise: the winning combination
At Oneytrust, we don’t see AI as a miracle solution, but rather as a powerful technological lever, which takes on its full value when combined with human expertise.

Our data scientists and fraud experts work hand in hand, and this synergy enables us to :

  • Quickly identify new types of fraud not yet detected by our models;
  • Qualify false positives so that honest customers are not penalised;
  • React quickly to new attacks or unexpected anomalies;
  • Continuously update our models, based on detailed analysis of the field.

At the same time, our AI algorithms support experts by:

  • Prioritising the most sensitive cases;
  • Correlating key data to save analysis time;
  • Providing a solid base of insights for informed decision-making.

This constant dialogue between AI and our teams enabled us, in 2024, to boost the transaction transformation rate by 2.04%, while guaranteeing a 99.89% acceptance rate. A double benefit: more sales for e-merchants, and less fraud.

Practical advice for integrating AI into your anti-fraud strategy
Would you like to take advantage of AI to strengthen your security? Here are a few best practices:

  • Work with an AI and anti-fraud expert partner, such as Oneytrust;
  • Opt for scalable solutions that can be adapted to your specific business and data flows;
  • Don’t rely entirely on technology: retain a degree of human control, particularly to manage the most complex cases;
  • Monitor your key indicators (fraud rate, false positive rate, conversion rate) to adjust your parameters on an ongoing basis;
  • Train your teams in the new risks associated with generative AI and social engineering.

To conclude, in a world where AI is both an engine for growth and a tool for fraud, it’s important to arm yourself intelligently. With Oneytrust, you benefit from the power of AI combined with human expertise, to build an ecosystem of trust around your transactions. Because tomorrow, true innovation will not just be technological, it will also be ethical, agile… and collaborative.