A Latin American issuer facing high false declines, particularly in card-not-present transactions, partnered with Visa to deploy Visa Advanced Authorisation (VAA) and Visa Risk Manager (VRM). VAA uses AI and Visa’s global data to deliver real-time risk scores, while VRM enables issuers to create and test fraud rules quickly through a web-based system. Within a year, approval rates rose 7%, generating $7M in additional sales, while fraud dropped 35 bps. False positives fell by 90% in count and 70% in value, improving both cardholder satisfaction and portfolio performance.

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