Experian, a global data analytics company, has gone live with Transaction Forensics, a new AI-driven solution developed alongside Resistant AI to tackle fraud and financial crime in real time across UK financial services.
The product draws on more than 80 AI models, merging Resistant AI’s behavioural and transaction analytics with Experian’s proprietary consumer and commercial data. It is the first joint solution to reach market following Experian’s strategic investment in Resistant AI, announced in July 2025, with further products from the partnership expected throughout 2026.
Transaction Forensics is now available to UK businesses and supports Faster Payments, BACS and CHAPS. Pilot testing yielded a 200% uplift in authorised push payment (APP) fraud detection, an 80% drop in false positives, and a 50% fall in total alert volumes. The solution also addresses money mule activity and money laundering, enabling firms to assess risk at the transaction, customer, or company level.
The launch responds to a growing set of pressures on UK financial services. Fraudsters are increasingly deploying AI to execute attacks at a pace and scale that legacy systems struggle to match. In parallel, tighter security measures have tended to produce more false positives, placing additional strain on operations teams. Regulatory expectations have also sharpened, with FCA guidance calling for explainability when AI is used in fraud and financial crime detection, as well as alignment with Consumer Duty requirements.
Transaction Forensics addresses these challenges by combining Experian’s credit, identity, fraud and anti-money laundering data with historical behavioural signals, giving institutions a detailed view of the intent behind each transaction as it occurs. It is designed as a complement to existing monitoring systems rather than a replacement, and can be deployed as an additional analytical layer or applied selectively to higher-risk transactions.
Experian UK&I chief product officer Paul Weathersby said: “Transaction Forensics marks a major step forward in fraud and financial crime prevention, one which is only possible thanks to our leading innovation and trusted, high-quality data. Financial services are facing a significant challenge in identifying and stopping fraud and financial crime attacks, which are increasingly enabled by AI and at a scale not seen before. Transaction Forensics harnesses the power of AI to help businesses meet that challenge head on.”
Resistant AI chief executive officer Martin Rehak said: “The use of AI in fraud and financial crime prevention is no longer optional but essential. By combining Resistant AI’s advanced models with Experian’s leading datasets, we are enabling financial institutions not just to address current attacks including APP fraud and money laundering but any new threats which will undoubtedly emerge in the years ahead.”
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