Title of the Talk:

Intelligent Fraud Detection in Real-Time Payments: How AI is Redefining Trust, Speed, and Security

Abstract:

The Intelligent Payment Stack: How AI is Redefining Trust in Digital Commerce
Every second, millions of payment decisions are made and the systems making them are losing the arms race against fraud, false declines, and evolving risk. Static rules weren't built for a world where threats mutate in real time and customer expectations have never been higher. This keynote makes the case that AI isn't just an upgrade to payment infrastructure it's a fundamental rethinking of how trust is established, maintained, and scaled.
Drawing from cutting-edge research and real-world deployment experience, this session explores how machine learning, behavioral analysis, and graph-based risk scoring are enabling payment systems to move from reactive rule-following to adaptive, intelligent decisioning. We'll confront the hard problems head-on: latency at scale, model explainability, privacy constraints, and regulatory compliance and show how they can be solved without sacrificing speed or user experience.

Profile:

Vimal Teja Manne is a Business Analyst and Product Owner with 9 years of experience in business analysis, digital payments, and technology-driven business transformation. He works at Verifone, where he contributes to payment systems, platform modernization, and operational improvement initiatives in complex payment environments. He holds a master’s degree in Information Technology and Management from The University of Texas at Dallas.

His professional and research interests include AI-based fraud detection, payment privacy, tokenization, resilient gateway architecture, graph-based risk scoring, and secure real-time financial infrastructure. He has presented papers at 11 IEEE and Springer conferences and has also contributed as a reviewer and session chair at international conferences. He is a Senior Member of IEEE and a Full Member of Sigma Xi. His work bridges industry practice and academic research to address the evolving needs of modern payment ecosystems.