Fraud is never just external; for modern marketplaces, risk exists across the entire ecosystem—in internal tools, outsourced operations, and the platform’s edges where external actors continuously test controls. Vendors and partners may also be exposed due to commercial pressure, turnover, or incentive misalignment, creating additional vulnerability points. This panel examines fraud as an end-to-end ecosystem challenge rather than a point solution or isolated Trust & Safety issue, exploring how it surfaces across three layers: in-house employees with privileged access, outsourced vendors and BPOs handling critical workflows, and external bad actors ranging from organized fraud rings to opportunistic users and toolkits probing for weaknesses.

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The Artificial intelligence (AI) revolution is reshaping the Payments industry, and empowering marketplaces to enhance their operations and security measures. With 60% of companies adopting AI-driven solutions and integration projected to grow at a compound annual growth rate (CAGR) of 42% over five years, understanding AI fundamentals is crucial for onboarding and payments professionals. This session covers: - AI's rapid emergence and the pivotal role of data in driving innovation within Payments, which can be used for delivering secure, inclusive customer experiences in a rapidly changing risk landscape. - How advanced machine learning is transforming the industry by analyzing vast datasets, identifying patterns and adapting to new challenges in real-time. - Proven scoring methodologies that card processors and merchants have relied on for years — and how organizations can use AI to enhance this robust framework for a comprehensive approach to optimizing onboarding and the payment processes.

The Great Unbundling is reshaping financial services, with customers increasingly choosing banking and payments without traditional banks through embedded finance and fintech super-apps that let them assemble personalized financial stacks across platforms. As control shifts to the customer, trust becomes both more fragile and more critical. This session explores how identity, verification, and portable credentials form the new foundation of financial trust in an ecosystem where no single institution owns the customer relationship, and what is required to keep services secure, interoperable, and user-centric as finance becomes increasingly decentralized.