As fraudsters evolve, so must fraud prevention. In 2025, Europe’s fintech ecosystem is pushing the boundaries of what fraud detection looks like, with a focus on real-time intelligence, scalability, and privacy-first design.

At QuantumSoft, we work closely with fintech clients across the continent, and we’re seeing a clear shift: anti-fraud systems are no longer just backend tools, they are foundational to trust and compliance.

Here are four standout initiatives that are reshaping how financial software teams approach fraud in 2025:

1. Mastercard Lighthouse & Partisia: Privacy-Preserving Fraud Detection

As part of Mastercard Lighthouse FINITIV’s spring 2025 cohort, Partisia launched a confidential, ML-based fraud detection tool. The platform allows banks to share fraud indicators securely  detecting threats earlier without compromising sensitive data.

Why it matters:

• Enables cross-bank fraud pattern recognition

• Leverages privacy-preserving machine learning (GDPR-friendly)

• Signals growing demand for decentralized, scalable fraud architecture

2. Wero & Instant-Pay Adoption: Fraud Detection at Speed

Wero, the EPI-backed real-time EU payment wallet, is scaling fast through partners like Revolut and Nuvei. It supports A2A (account-to-account) payments across the EU meeting the EU's 2025 mandate for instant, fee-capped transfers.

Why it matters:

• Real-time payments mean real-time fraud detection, every millisecond counts

• Pressure is rising on fintechs to integrate low-latency, high-accuracy anti-fraud layers

• Cross-border scalability introduces added complexity

3. Visa & Pay.UK: Smarter A2A Fraud Shielding

Visa’s UK pilot with Pay.UK and Featurespace used AI to detect anomalies in A2A transfers, boosting fraud detection rates by 40% with a manageable false-positive rate (~5:1). The solution → Visa Protect for A2A Payments is now being rolled out across the UK.

Why it matters:

• Focus on APP scams and region-specific threat modeling

• Designed to operate at scale, analyzing millions of events in real-time

• Sets a new benchmark for AI-driven fraud prevention in interbank flows

4. Sift’s RiskWatch: Dynamic, Adaptive Risk Control

Sift’s early 2025 release, RiskWatch, uses adaptive AI to tune fraud thresholds in real-time, moving away from static rule sets.

Why it matters:

• Eliminates the manual tuning burden for fraud teams

• Reduces false negatives without increasing false positives

• Scales effortlessly as user volumes and fraud complexity grow

Conclusion:

Fraud is no longer a narrow tech problem, it’s a product, compliance, and trust problem. The companies that succeed in 2025 will be the ones who embed dynamic, scalable anti-fraud layers into the very DNA of their platforms.

At QuantumSoft, we help fintechs turn these challenges into infrastructure, building software that’s fast, secure, and future-ready.

Let’s talk if you're scaling anti-fraud this year.