The new Integrated Anti-fraud Platform (PIAF)
During 2023, the fraud prevention management process was further strengthened through an integrated anti-fraud system. In particular, the Integrated Anti-fraud Platform (PIAF) is operational, an innovative fraud prevention system that includes all digital financial products and services of: On US e-money, e-commerce and digital banking, based on predictive analytical models and enabling - in real time in pre-authorisation mode (as required by the Regulations) - the monitoring of transactions ordered by customers. This platform includes the implementation of a single behavioural prevention/detection machine learning solution for all channels, and the subsequent start of the migration of all Payment Cards to the new Integrated Anti-fraud Platform (PIAF).