Case Study: Krungthai Card (KTC) achieves 85%+ fraud detection and fewer false positives with ACI Worldwide

How KTC leveraged AI for precise fraud management

KTC (Krungthai Card PCL), one of Thailand’s largest non-bank card issuers, faced rising card-not-present and cross-border fraud as more consumers moved to digital payments. Seeking stronger protection without added complexity or coding, KTC partnered with ACI Worldwide and adopted ACI Worldwide’s payments intelligence and model generator to deliver real‑time, AI‑driven fraud detection while minimizing false positives and operational overhead.

ACI Worldwide implemented multilayer AI models and a dynamic feature library (50 ready‑to‑use features) via its model generator, deployed on KTC’s existing ACI fraud platform in just two weeks with no extra hardware or complex integration. The solution boosted detection above KTC’s >85% target, improved cash‑out scam detection from 33% to 50% (1.5×), achieved a 3:1 false‑positive ratio, and automated scoring and retraining to free the fraud team for higher‑value work.

KTC

Rywin Voravongsatit

Vice President - Head of Operations Control