Newsroom – Enfuce

Enfuce - Embedded Fraud Prevention for Card as a Service driving a competitive advantage

Our clients deserve first class services that allow them to concentrate on the success of their core business, without worrying about ever‑evolving fraud. With Featurespace ARIC Risk Hub, we remove that worry. It’s an extremely intuitive, future-proof risk solution that allows us to protect our clients’ transactions across all verticals, facilitates faster onboarding, and supports our growth.

Tiia Helokas Fraud Manager at Enfuce

Enfuce mock new


Enfuce is Europe’s one-stop shop for modern card issuing and payment processing. Since 2016, Enfuce has grown rapidly, now processing nearly €2 billion transactions annually for more than 16 million active card users on its platform.

In addition to established enterprises and financial institutions, Enfuce serves an increasing number of new payment brands competing to gain traction. For these start-ups, protecting end users while delivering seamless and secure payments options is instrumental to building customer trust and loyalty. If customers have a fraudulent experience early in their relationship, it’s likely that they will stop using the service.

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In this hyper-competitive industry, FIs considering the adoption of Card as a Service (CaaS) or Payment as a Service (PaaS) models will be looking to gain a competitive advantage in 5 key areas:

Enfuce – Cost (2)


Banks and financial services providers need to meet customer demands for new services while also reducing operational costs.

While traditional models can be costly, innovative technologies and business models can offer cost-effective solutions that can potentially reduce costs while also meeting customer demands.

Enfuce – Fraud and financial crime

Fraud and Financial Crime

With the increasing trend of instant payment systems, the risk of fraud and financial crime is also increasing.

While traditionally, fraud and financial crime prevention were seen as a cost of doing business, rather than a revenue generator, all participants in the payment system must have accurate risk scoring to prevent fraud and scams.

Enfuce – Compliance


Financial institutions must comply to regulations issued by governments to protect consumer data and guard against fraud.

To overcome the challenges poses by these rules, a Platform-as-a-Service (PaaS) model that provides secure, military-grade integration with modern technologies that allow for seamless authentication experiences across devices and channels is required.

Enfuce – Technology


Financial institutions (FIs) have inherited complex and often costly infrastructure from traditional payment systems, making it difficult to upgrade or replace.

However, new innovations in artificial machine learning and cloud technology are enabling FIs to optimize their technical resources and and provide a more cost-effective approach to payment solutions.

Enfuce – Customer experience

Customer experience and competitive advantage

Consumers increasingly demand new value-added services and expect seamless and secure transactions instantly.

Traditional banks face challenges in digitizing their operations securely; however, a Platform-as-a-Service (PaaS) model empowers FIs to evolve rapidly and iterate, update and test new features, processes or capabilities in hours, rather than weeks.

Industry game changing results

Enfuce sought a flexible fraud prevention that could quickly integrate with its cloud-based payments platform. Enfuce selected Featurespace’s ARIC Risk Hub to embed into their platform.

ARIC Risk Hub matched the scale and complexity of Enfuce’s payment platform without throttling transactions:

  • Supporting all payment types
  • Maintaining excellent customer experience through low false positives
  • Enabling speedy onboarding for new customers
  • Delivering customizable controls at every level, even down to individual organizations, through scalable multi-tenancy functionality
  • Complying to the unique regulatory environment when Enfuce scaled their operations by further launching into the UK market
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Enfuce's fraud prevention capabilities

Enfuce’s fraud prevention capabilities, powered by Featurespace’s technology, skilled experts, and reliable processes, enable Enfuce’s customers to focus on their core business while relying on Enfuce to facilitate transactions.

  • ARIC Risk Hub can monitor and risk score complex sets of payment types and non-monetary events, enabling it to manage the risk of both outbound and inbound payments
  • ARIC Risk Hub understands genuine customer behavior and flag suspicious transactions, even if a customer has authenticated themselves but is likely to be the victim of a scam

Thanks to ARIC Risk Hub capabilities, Enfuce can leverage data insights from across its entire customer base to train its models, achieving greater accuracy in spotting emerging fraud trends.

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Success proven by figures

Enfuce – 2M transactions scored per month

2M transactions scored per month

Enfuce – Average Fraud detection rate

99.44% Average Fraud detection rate

Enfuce – Average Basis Point (BP) of reported fraud

0.67 Average Basis Point (BP) of reported fraud

An enterprise view across new payment products

Enfuce is providing fintechs, PSPs, banks, and other financial institutions with modern and feature-rich end-customer card and payment solutions to bring to the market quickly.

Enfuce has extended its partnership with Mastercard, and has a similar partnership with VISA, stretching their Card as a Service platform across Europe.

Through these partnerships, Enfuce’s customers can launch and issue their own physical and virtual Mastercard payment cards rapidly.

ARIC Risk Hub can match the speed of issuance of these new payment products and provide an enterprise view across them to protect the new payment instruments and transactions.


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