Mumbai, India – October 2025:
Wibmo, a PayU company, has announced the launch of Trident AI, an advanced AI-powered fraud detection platform, at the Global Fintech Fest (GFF) 2025. This launch reinforces Wibmo’s commitment to building innovative, adaptive, and data-driven fraud prevention tools designed to protect financial institutions and digital customers from rapidly evolving fraud threats.
According to the Reserve Bank of India (RBI), bank frauds in India have surged nearly threefold to ₹36,014 crore in FY25. Trident AI directly addresses this growing concern with a new-age, machine learning and behavioral analytics-powered solution that ensures real-time protection and response.
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AI-Powered Fraud Prevention at Scale
The Trident AI platform represents the next leap in fraud detection and prevention for the modern payments ecosystem. It integrates:
Machine Learning Algorithms
Behavioral Analytics
Real-Time Decision-Making Capabilities
This combination delivers unprecedented protection and adaptability, empowering financial institutions to stay ahead of cybercriminals.
Three-Tier Fraud Detection Framework
Wibmo’s Trident AI operates through a three-tier system that includes:
Real-Time Fraud Detection
Intelligent Investigation
Automated Response Mechanism
This architecture ensures every suspicious transaction is detected, analyzed, and mitigated within milliseconds — safeguarding customers without disrupting legitimate transactions.
Merchant Fraud Prevention
The Merchant Fraud Prevention module focuses on eliminating illegitimate onboarding and compliance risks.
Automated Website Verification and Merchant Category Code (MCC) Analysis streamline validation.
Continuous Monitoring tracks real-time risk fluctuations.
The proprietary Merchant Trust Score, based on 70+ parameters, provides a reliable assessment for better decision-making.
This intelligent system reduces manual verification time and ensures compliance with regulatory frameworks while improving operational efficiency.
Transaction Fraud Detection
Trident AI enables sub-100-millisecond transaction evaluations, ensuring instant fraud detection without affecting user experience.
Key features include:
Dynamic Risk Scoring for real-time blocking of high-risk activities.
Fraud Ring Detection to prevent chargebacks.
Cross-Border Transaction Protection against international payment scams.
This solution ensures digital payments remain both secure and seamless, even during high-volume processing.
Customer Fraud Intelligence
At the customer level, Trident AI combats systematic and coordinated fraud attacks using AI-driven intelligence.
Its Mule Account Identification and Anomaly Detection modules perform comprehensive ecosystem analysis to identify:
Suspicious user behaviors
Fraudulent merchant activities
Abnormal BIN/bank traffic patterns
This enables banks to proactively counter BIN attacks, bot attacks, and large-scale fraud rings operating across the payment network.
Leadership Insights
“With the Trident AI platform, we are not just preventing fraud — we are building an adaptive intelligence layer for the payments ecosystem,” said Shailesh Paul, CEO, Wibmo.
“Our vision is to empower banks and financial institutions with tools that don’t just react to threats but anticipate and counter them, enabling digital commerce to thrive with confidence and trust.”
“With the launch of AI-embedded Trident, Wibmo is taking a significant step toward fortifying India’s digital commerce ecosystem,” added Manas Mishra, Chief Product Officer, PayU and Wibmo.
“During a 10-day evaluation period, Trident AI successfully identified 2,250 high-risk transactions out of 1.23 million, improving fraud detection precision by 40% over existing systems.”
Trusted by 100+ Global Banks
Wibmo’s flagship Trident FRM (Fraud Risk Management) solution already powers over 100 banks and fintechs across 30+ countries, analyzing 4 billion transactions annually.
With the integration of Artificial Intelligence, Trident has evolved into a next-generation fraud defense platform, setting a new benchmark in fintech security.
About PayU
PayU, India’s leading diversified fintech platform (backed by Prosus), provides regulated digital financial services to merchants, banks, and consumers.
Empowers 4.5 lakh+ businesses, including India’s leading e-commerce enterprises and SMBs.
Supports 100+ payment methods — Credit/Debit Cards, Net Banking, UPI, Wallets, Pay-Later, and EMIs.
Industry leader in the affordability ecosystem, offering wide coverage of issuers and cardless EMI options.
PayU ensures seamless checkout experiences with best-in-class transaction success rates.
About Wibmo
Wibmo, a PayU company, is a global full-stack PayTech provider and a market leader in payment authentication and digital transaction security across emerging markets.
It delivers Trusted Service Provider (TSP) and risk management solutions to top banks across India and 30+ countries, helping secure billions of transactions annually.
Source: NewsVoir Press Release & Edited By Techmitra