Mastercard Decision Intelligence

Fraud is evolving faster than ever. AI-powered attacks, fraud-as-a-service networks, and increasingly sophisticated tactics are making it harder for issuers to protect cardholders without creating friction for legitimate customers.

Mastercard Decision Intelligence & Rules Services (DI&RS) helps financial institutions make smarter, real-time fraud decisions using network-level intelligence, advanced risk scoring, and configurable rules.

A recent Forrester Total Economic Impact™ study found that organizations using DI&RS achieved significant financial and operational benefits over three years.

98% ROI

Organizations nearly doubled their investment through reduced fraud losses and operational efficiencies.

$595K Net Present Value

Measured financial impact delivered over a three-year period.

12% Reduction in Fraud Losses

Identify emerging fraud patterns earlier and stop attacks before losses accumulate.

20% Reduction in Fraud Alerts

Reduce false positives and free fraud teams to focus on genuine threats.

Traditional fraud management approaches often rely on siloed data, static rules, and reactive investigation processes. The result is excessive alert volumes, overwhelmed analysts, unnecessary customer declines, and increasing fraud losses.

With Mastercard Decision Intelligence & Rules Services, organizations can:

• Detect fraud earlier using network-level intelligence
• Improve fraud decision accuracy
• Reduce false positives and unnecessary declines
• Lower alert volumes and investigation workload
• Improve operational efficiency across fraud teams
• Deliver a better customer experience

Organizations interviewed by Forrester reported a shift from reactive fraud management to a more proactive, intelligence-driven approach.

By combining Mastercard's network insights with configurable decisioning rules, issuers were able to:

• Respond faster to emerging fraud attacks
• Reduce operational burden on fraud teams
• Improve analyst productivity
• Stabilize fraud performance over time
• Focus resources on high-risk activity instead of low-value alerts

Read the Forrester Total Economic Impact™ study to explore the financial impact, business benefits, and ROI organizations achieved with Mastercard Decision Intelligence & Rules Services.