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Mastercard Executive Reshmi Ghosh on Proactive Fraud Prevention at Global Fintech Fest 2026
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Moneycontrol•08-10-2026, 14:21
Mastercard Executive Reshmi Ghosh on Proactive Fraud Prevention at Global Fintech Fest 2026
- •Reshmi Ghosh emphasized that trust in digital payments must be embedded intelligently across the network as a competitive differentiator.
- •Mastercard advocates moving from reactive fraud response to proactive prevention by assessing intent and detecting unusual patterns early.
- •Modern fraud involves an overlap of cyber, operational, and behavioural risks, requiring network-wide monitoring rather than isolated transaction checks.
- •Mastercard uses AI and tools like Decision Intelligence to process millions of transactions, improving fraud-detection speed and accuracy by 300%.
- •Layered capabilities like tokenization, passkeys, and real-time monitoring create a secure payment experience without increasing friction.
Key Questions Answered
Mastercard uses AI-driven tools such as Decision Intelligence and RiskRecon to monitor network-wide risks, assess intent, and detect unusual patterns before financial crime occurs.
According to Reshmi Ghosh, Mastercard's AI tools have improved fraud-detection speed and accuracy by 300% while simultaneously reducing false positives by 85%.
Mastercard deploys layered capabilities like tokenization to limit credential exposure, passkeys for biometric authentication, and real-time monitoring to create a seamless, low-friction payment experience.
