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W A V ER E P O R TTheForresterWave™: EnterpriseFraudManagementSolutionsIn TheNineProvidersThatMatterMostAndHowThey Summary Inourevaluationofenterprisefraudmanagement(EFM)solutionproviders,weidentifiedthemostsignificantonesandresearched,analyzed,andscoredthem.Thisreportshowshoweachprovidermeasuresupandhelpsyouselecttherightoneforyourneeds. Additionalresourcesareavailableintheonlineversionofthisreport. ForresterReportcopypreparedexclusivelyfor###fullName###with###organization###.Distributionandreproductionareprohibited.Formoreinformation,seetheTermsOfUsePolicyandWaysToShareResearch.ForresterReportCopyPreparedExclusivelyForSIYUELINWithTencentCloudComputing(Beijing)Company.,Ltd..Distributionandreproductionareprohibited. ProductizedRiskModels,Model-Building, Account-to-accountpaymentmethodslikeSingapore’sPayNowandIndia’sUnifiedPaymentsInterface(UPI)areexpandingrapidly,whilestablecoinsareincreasinglyusedforcross-borderremittancesinmarketslikethePhilippines.Financialinstitutionsseekvendorswithstrongproductizedruleenginesandmodelsthatcanmonitortheseemergingtransactiontypeseffectively.Meanwhile,AI-enabledfraudsuchas EvaluationSummary TheForresterWave™evaluationhighlightsLeaders,StrongPerformers,andContenders(seeFigures1and2).Weintendthisevaluationtobeastartingpointonlyandencourageclientstoviewproductevaluationsandadaptthefindingsbasedontheir TheForresterWave™:EnterpriseFraudManagementSolutionsInAsiaPacific,Q42025 ForresterReportcopypreparedexclusivelyfor###fullName###with###organization###.Distributionandreproductionareprohibited.Formoreinformation,seetheTermsOfUsePolicyandWaysToShareResearch.ForresterReportCopyPreparedExclusivelyForSIYUELINWithTencentCloudComputing(Beijing)Company.,Ltd..Distributionandreproductionareprohibited. Leaders Tencent ChinesetechgiantTencent,whichoperatestheWeChatsuper-app,hasbuiltrichAI-basedEFMriskmodelsbackedbyitsmassivevolumesofcustomerdata.IthaslongdominatedChina’sEFMmarketandisnowexpandingaggressivelyacrossSoutheast TheForresterWave™:EnterpriseFraudManagementSolutionsInAsiaPacific,Q42025 ForresterReportcopypreparedexclusivelyfor###fullName###with###organization###.Distributionandreproductionareprohibited.Formoreinformation,seetheTermsOfUsePolicyandWaysToShareResearch.ForresterReportCopyPreparedExclusivelyForSIYUELINWithTencentCloudComputing(Beijing)Company.,Ltd..Distributionandreproductionareprohibited. •Strategy.Tencenthasadifferentiatedvision;it’sfocusingonbecomingafederatedlearninginnovatorthatcanenableclientstocodevelopmachinelearning(ML)riskmodelswhilepreservingdataprivacy.ItssuperiorroadmapfocusesonexplainableAIforregulatorycomplianceandprivacy-preservingtechnologiesforbetterdata-sharingbetweenfinancialinstitutions.Tencentexcels •Capabilities.Tencent’smodel-buildingplatformshines;inadditiontointuitivevisualizeddrag-and-dropmodel-building,itoffersdifferentiatedfeatureslikeAI-drivenautomatedmodelingandautotuning.Itprovidesrobustproductizedrulesandmodelsforemergingfraudtypeslikecryptocurrencyanddeepfakes,alongwithrichintegrationsforcreditrisk,identityverification,andbehavioralbiometrics •Customerfeedback.CustomerspraiseTencent’suser-friendlymodel-buildingplatformandnotethatitsout-of-the-boxrulesandML-basedmodels,builtonits •Forrester’stake.Tencentisagreatfitforfirmsseekingstrongmodel-buildingplatformsandrichrulesandmodelstocovermany(includingnew)transaction ViewTencent’sdetailedscorecard. Visa California-basedVisaexpandeditsEFMcapabilitiesbyacquiringUK-basedAIfraudspecialistFeaturespaceinDecember2024.ThisacquisitionhasexpandedVisa’sriskscoringfornoncardtransactionsandequippedVisawithinnovativegenAI-basedlarge •Strategy.Visa’svisionextendsbeyonditsleadershipincardpaymentfraudmanagement;itaimstobecomeamodular,payment-rail-agnosticplayer.GrowingvolumesofnoncarddatafromVisaProtectandtheFeaturespaceacquisition ForresterReportcopypreparedexclusivelyfor###fullName###with###organization###.Distributionandreproductionareprohibited.Formoreinformation,seetheTermsOfUsePolicyandWaysToShareResearch.ForresterReportCopyPreparedExclusivelyForSIYUELINWithTencentCloudComputing(Beijing)Company.,Ltd..Distributionandreproductionareprohibited. LTMsandexplainableAIalignwithmarketneeds.Itspricingexcels,withROIcalculatorsandtieredoptionsbasedonvalue.Visahasasolidpartnerecosystemwithstronggovernmentties;itputslessemphasisonpartnersinotherindustries •Capabilities.Visaexcelsinrules-basedriskscoring,usingAI/MLtosuggestnewrulesandfraudstrategiesasthreatsevolve.ItsML-basedriskscoringalsostandsout,withLTMsthatusesyntheticfeaturesforgreatermodelprecision.AnalystinvestigationisalsoadifferentiatedcapabilityforVisa,withvisualgraphicsand •Customerfeedback.CustomerspraiseVisa’saccuraterulesandmodelsfor •Forrester’stake.Visaisidealforfirmsseekingrobustrules-andML-basedriskscoring,plusadvancedinvestigationtoolstoboostanalystproductivity. ViewVisa’sdetailedscorecard. NiCEActimize NewJersey-basedNiCEActimize’ssolutionisapurpose-builtconvergedfraudmanagementandanti-money-laundering(AML)platf