ProductFabrick Advice

Fabrick Advice

Real-time risk analysis of transactions exempted from SCA - Strong Customer Authentication to optimise the conversion rate.

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Risk analysis management for preventing frauds

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Optimised Transaction Risk Analysis (TRA)

Real-time risk analysis based on artificial intelligence (AI) and machine learning optimises control processes, leveraging the opportunities offered by PSD2.

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Increased conversion rates

Leveraging SCA exemptions, the solution directly targets conversion rates and maximises sales.

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Double payment verification

The platform performs an initial check on transactions with low levels of fraud risk and then runs a second analysis to secure the transaction from potential chargebacks.

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Improved customer experience

Efficient exemption management provides a seamless payment experience, reducing time at checkout and optimising customers’ shopping experience.

Pre-authorisation fraud analysis

After Fabrick Advice’s analysis, transactions that can be exempt from SCA are assigned a risk level indicator. According to the degree of risk, the indication can be to not capture the payment, apply SCA or switch to Guaranteed payments' second security check.

STEP 1

Initial assessment of transaction eligibility.

STEP 2

Pre-authorisation payment analysis.

STEP 3

"Fraud", "3DS2 suggested", "Request for exemption" outcome.

STEP 4

Exempt transactions accepted by the issuer are sent to Fabrick Guaranteed Payment for a second assessment.

Latest insights

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Embedded insurance: how integrated insurance platforms are reshaping distribution

For insurers, banks, retailers and digital platforms, embedded insurance is transforming insurance distribution by making protection a seamless part of digital ecosystems. As ecosystems become more complex, payments and Open Finance become just as critical as insurance technology itself.
31 July 2026
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How AI is reshaping financial services: key trends, applications and business impact 

AI is already changing the way banks, fintech companies, payment service providers (PSPs) and businesses design services, make decisions and safeguard customer trust. Against a backdrop of automation, agent-based AI, embedded payments and new anti-fraud challenges, the financial sector is now being called upon to ask itself: is artificial intelligence merely a tool for speeding up processes, or can it enable us to rethink the future of financial services?
17 July 2026
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Innovative Payment Methods: What They Are and How They Transform the Purchase Experience

Payment is no longer just the last mile of a purchase: it is an integral part of the experience. That is why, today, innovation means above all removing obstacles. Discover 5 innovative trends in the payments sector—from digital wallets to Pay by Bank—that can make a difference in an increasingly complex checkout process.
17 April 2026

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