Case Study: Arvato Financial Solutions cuts BNPL fraud review time 33% and manual reviews 25% with Fraud.net

Arvato Turns to IndustryLeading AI Solution to Stem BNPL Fraud

Arvato Financial Solutions, a Germany-based $4.5B global financial, technology and business services company operating the AfterPay Buy Now, Pay Later (BNPL) application across nine European countries, was experiencing rising BNPL fraud as the product scaled. Arvato engaged Fraud.net to provide a responsive, integrable anti-fraud partner that could increase automation, reduce false positives and manual reviews, and deliver a single flexible system to support multiple clients and countries.

Fraud.net deployed an AI-based BNPL fraud detection solution on its unified platform, leveraging the Collective Intelligence Network for richer data and fast decisioning integrated with Arvato’s systems. The partnership delivered measurable impact: a 33% reduction in the fraud team’s review time, a 25% drop in manual reviews, and one client saved $80K in the first seven days after using Fraud.net’s auto-cancel feature, while maintaining detection effectiveness.

Arvato Financial Solutions

Markus D.

Director Risk & Fraud