Enfuce and Featurespace: Raising the bar for payments fraud prevention
Fraud is evolving and so are the solutions for fraud prevention and management. For Enfuce and Featurespace, a shared vision of innovation, responsibility and impact has turned a technical collaboration into a strategic partnership. Since 2020, the two companies have been working together to redefine what best practice in payments fraud prevention looks like.
Through their joint work, Enfuce and Featurespace have created a high-performance fraud monitoring platform that helps Enfuce customers, from Financial Services providers to Fleet, Fuel and Mobility companies, to deliver secure and seamless card payment experiences at scale. An AI-native platform made stronger through constant iteration, the system helps prevent financial crime while reducing false positives and customer friction.
The results have been recognised. Enfuce was awarded the Celent Model Risk Manager Award in 2023 for embedded fraud prevention, an achievement that reflects the ongoing success of the partnership with Featurespace.
A shared commitment to security and scalability
The challenge of fraud is a growing one. The speed at which bad actors operate is accelerating and they are using increasingly sophisticated tools. This presents particular pressure for financial services, who must strike the right balance between enabling fast, digital-first customer experiences and ensuring robust protections are in place.
From the outset, Enfuce and Featurespace approached the challenge with a shared mindset: enable innovation while eliminating compromise. That meant choosing a partner who could grow with the business and match the speed and agility that Enfuce brings to every product launch.
“We were really looking for a collaborative partner that we could keep scaling and growing with, and have a shared vision with as well. We were excited to find that in Featurespace, and to be able to jointly steer the ship and set some new standards.”
– Vanessa Schotes, Chief Marketing Officer, Enfuce.
The result is a deeply integrated collaboration. Featurespace’s ARIC™ Risk Hub is embedded into Enfuce’s platform, powering real-time fraud detection across the entire customer portfolio. This includes fuel cards, mobility cards, corporate cards and consumer products issued by Enfuce customers across multiple countries and currencies.
Using AI to stay ahead of fraud
Featurespace’s ARIC™ Risk Hub uses adaptive behavioural analytics to monitor card activity in real time. The model learns the difference between genuine and suspicious transactions and flags anomalies before they result in losses. This technology is particularly important for companies looking to scale rapidly while maintaining high levels of customer trust.
The solution also helps tackle one of the most common pain points in payments fraud prevention: false positives. By reducing unnecessary transaction blocks, the platform improves the cardholder experience while keeping fraud rates low.
“When we were brought in, we faced an interesting situation because Enfuce already had a good fraud catch rate.Where we needed to reduce was in the false positives. So we deployed adaptive behavioural analytics, which looks at both fraudulent and genuine transactions. That way we are better able to identify fraud and reduce the false positives.”
– Kendra Rogers-Kelly, Chief Communications and Marketing Officer at Featurespace.
This AI-first approach supports Enfuce’s promise of seamless and secure digital card issuing. It also makes fraud prevention an asset for customer growth, rather than a barrier to product development.
Enfuce’s platform strengths amplify the impact
The success of this joint fraud prevention model is also due to the architecture of Enfuce’s platform itself. Designed for companies looking to solve complex payment problems, the Enfuce platform offers:
- Fast go-to-market: Full onboarding and launch support, including BIN sponsorship and scheme certification
- Security and compliance: ISO 27001, PCI DSS and scheme-compliant processes as standard
- Scalability: One API for multi-country, multi-currency card issuing
- Digital-first card experience: Card provisioning, PIN management and spend controls via modern interfaces
- Fraud management: Embedded tooling with real-time AI monitoring and expert support
Together, these capabilities make it easier for organisations to issue cards with strong fraud prevention already built in, without needing custom integrations or resource-intensive projects.
For Enfuce, partnering with Featurespace added an extra layer of precision and performance to the platform’s existing risk controls. The companies’ technical teams now work closely together on everything from rule setting to new innovation use cases, with a shared aim of staying ahead of fraud trends and elevating industry standards.
A partnership built on shared values
One of the key reasons for the long-term success of this partnership is the cultural fit between the two companies. Both organisations are motivated by the same vision: to make the world a safer place to transact.
That alignment shows up not just in outcomes, but in the way teams interact. The product and fraud teams across both businesses collaborate closely to co-develop rule sets, explore new use cases and challenge each other to improve.
“Our teams innovate together really beautifully. It takes a lot of dropping egos on both sides to come to the table and create something better. I think that comes back to our shared values and the fact that we’re all about getting stuff done and getting it done right.”
– Kendra Rogers-Kelly, Chief Communications and Marketing Officer at Featurespace.
The shared belief in excellence and accountability has also shaped Enfuce’s internal strategy. By combining in-house fraud experts with Featurespace’s external capability, Enfuce is able to continuously refine fraud prevention models and scale these learnings across its entire customer base.
Innovating to meet tomorrow’s threats
The scale and speed of fraud continue to grow. Criminals are now using AI to design more effective scams and breach traditional defences. For companies and platforms, this raises the stakes even further.
To stay ahead, Enfuce and Featurespace are investing in the future, including deep learning and generative AI models, while keeping human experts at the core of the strategy.
“Fraudsters never sleep. They’re relentless. So we have to keep levelling up with technology and we also need incredible people. When we add to that the foundation of wanting to make the world a better place, we create the momentum. That’s what I’m excited about for the future of Enfuce and Featurespace.”
– Vanessa Schotes, Chief Marketing Officer, Enfuce.
The collaboration is already driving measurable results. With Featurespace’s AI models working in real time and Enfuce’s platform offering comprehensive card control capabilities, customers benefit from strong protection without compromising cardholder experience.
A model of what’s possible in payments fraud prevention
What started as a technical integration has grown into something more: a strategic partnership focused on long-term impact. Enfuce and Featurespace now serve a wide range of companies and industries across Europe, helping them scale card programmes with confidence.
The two companies are also aligned in their ambition to push the payments industry forward: not just to meet today’s threats but to create a higher standard across the ecosystem.
Enfuce has taken its commitment to payments fraud prevention beyond technology and compliance through the Fortitude Pledge. This bold initiative sets unprecedented standards of accountability across all card transactions processed by Enfuce.
Under the pledge Enfuce commits to:
- Screening 100 per cent of transactions
- Flagging 100 per cent of high‑risk transactions
- Blocking 100 per cent of prohibited activity
- Reporting 100 per cent of suspicious transactions
- Training 100 per cent of employees in AML and CTF best practices
Enfuce also invites other organisations to move beyond checkbox compliance and to embrace proactive, values‑driven action. The pledge not just as a policy stance but also a mission to protect vulnerable communities, educate the public and shift industry norms toward transparency and dignity.
“Coming together for the higher good and then using that to elevate the industry is something that’s really powerful. It’s something we admire Enfuce for doing, and that we’re glad to be part of at Featurespace.”
– Kendra Rogers-Kelly, Chief Communications and Marketing Officer at Featurespace.
For companies looking to issue secure, digital-first payment cards, the Enfuce and Featurespace model proves that effective fraud prevention doesn’t have to be a trade-off. With the right partnership, it becomes a growth enabler.
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