Vancouver, British Columbia – INETCO, a leading provider of real-time transaction monitoring and payment fraud prevention solutions, has officially launched its groundbreaking new fraud investigation tool, BullzAI Investigate. This cutting-edge, AI-assisted solution marks a significant leap forward in the fight against sophisticated financial crime, leveraging specialized autonomous agents to compile intricate transaction data, meticulously analyze behavioral patterns, and intelligently triage incoming alerts. Designed to dramatically enhance the efficiency and accuracy of fraud operations, BullzAI Investigate precisely steers analysts toward the highest-risk cases, providing explainable and auditable risk scores for each recommendation, thereby transforming the traditionally arduous process of fraud inquiry.
The introduction of BullzAI Investigate comes at a critical juncture for the global financial industry, which continues to grapple with an escalating tide of payment fraud. According to recent industry reports, financial institutions worldwide face annual losses in the tens of billions of dollars due to various forms of fraud, from account takeover and synthetic identity fraud to real-time payment scams and card-not-present fraud. Beyond the direct financial losses, banks and payment service providers contend with significant operational costs associated with manual investigations, customer churn resulting from frustrating fraud experiences, and potential reputational damage. The sheer volume of transactions processed daily, coupled with the increasing sophistication of fraudsters who exploit digital channels, has rendered traditional rule-based fraud detection systems increasingly inefficient, often leading to high false positive rates that divert valuable human resources away from genuine threats.
Addressing the Mounting Challenges of Payment Fraud
The digital transformation across the financial sector has brought unparalleled convenience but also amplified vulnerabilities. The rise of real-time payment rails, while beneficial for speed and efficiency, has drastically reduced the window for fraud detection and intervention, placing immense pressure on financial institutions. Fraudsters are increasingly employing advanced techniques, including social engineering, malware, and identity theft, making it harder for conventional systems to differentiate legitimate transactions from fraudulent ones. The manual review of alerts generated by traditional systems often leads to significant operational bottlenecks. Analysts spend considerable time sifting through fragmented data from disparate sources, a process that is not only time-consuming but also prone to human error and burnout. This environment underscores the urgent need for intelligent, automated, and highly accurate solutions like BullzAI Investigate.
A New Paradigm in Fraud Investigation: AI-Driven Efficiency and Explainability
BullzAI Investigate distinguishes itself through its innovative use of a proprietary small language model (SLM) that operates entirely within the client’s own system. This architectural choice is paramount for financial institutions, as it ensures that sensitive financial data remains secure and compliant with stringent data privacy regulations such as GDPR, CCPA, and various national banking acts. By keeping data within the client’s firewall, INETCO mitigates risks associated with data in transit or storage on third-party cloud infrastructure, a critical concern for institutions handling vast amounts of confidential customer information.
The solution further incorporates a supervised machine-learning cycle, allowing analyst feedback to continuously refine and improve system performance. This intelligent feedback loop is instrumental in reducing false positives—a persistent drain on resources—and minimizing the extensive manual effort traditionally required to analyze vast volumes of fragmented transaction data. Ultimately, this empowers fraud teams to concentrate their expertise on the most pressing, high-priority threats, shifting their focus from data collation to strategic investigation.
Ugan Naidoo, Chief Technology Officer at INETCO, articulated the transformative impact of the new solution. “INETCO BullzAI Investigate gives banks and payment service providers an intelligent way to scale the productivity of their fraud operations, reduce false positives, and prioritize high-risk cases,” Naidoo stated. He emphasized the innovative application of “Agentic AI,” a paradigm where autonomous AI agents perform complex, specialized tasks, automating much of the investigative legwork. “Agentic AI automates the heavy lifting by collating transactions, triaging alerts, and delivering explainable risk scores that support faster, more transparent decisions. Rather than replacing analysts, INETCO BullzAI Investigate serves as an intelligent partner that works continuously behind the scenes, allowing fraud teams to investigate more effectively while human oversight remains firmly in control.” This philosophy highlights INETCO’s commitment to augmenting human capabilities rather than replacing them, ensuring that human intuition and expertise remain central to the fraud investigation process while benefiting from AI’s analytical prowess and speed.
Remarkable Performance Metrics from Early Deployments
The efficacy of INETCO BullzAI Investigate is underscored by its impressive performance in early deployments. The company has reported a dramatic reduction in fraud investigation times, shrinking from an average of 30 minutes per case to an astonishing 20 seconds. This translates to an exceptional 97% to 99% reduction in investigation time, effectively making reviews up to 90 times faster. Furthermore, the solution boasts a recommendation precision of approximately 95%, significantly enhancing the confidence of fraud analysts in the system’s alerts and recommendations. These metrics are not merely statistical achievements; they represent substantial operational cost savings, improved fraud catch rates, and a tangible enhancement in the overall security posture of financial institutions. The ability to rapidly investigate and confirm fraudulent activity means that potential losses can be minimized, and recovery efforts can be initiated far more quickly, mitigating the financial impact on both the institution and its customers. Such efficiency gains are crucial in an environment where speed is often the determining factor in preventing or mitigating financial damage from fraud.
Building on the Foundation of the INETCO BullzAI Platform
BullzAI Investigate represents a strategic and powerful extension of the comprehensive INETCO BullzAI platform, which INETCO initially launched in September 2021. The original INETCO BullzAI platform revolutionized cyber fraud prevention by offering real-time visibility and the unique capability to detect and block fraudulent payment transactions in milliseconds, before they could complete, and crucially, without interrupting legitimate payments. This proactive, preventative capability was a significant advancement, moving beyond mere detection to active interception and prevention. The platform’s ability to analyze transaction flows at an unparalleled speed and granularity allowed financial institutions to protect their customers from fraud in an instant, preserving trust and preventing financial damage.
The synergy between the foundational BullzAI platform and the new BullzAI Investigate tool creates a robust, multi-layered defense strategy. The platform acts as the initial line of defense, identifying and potentially blocking suspicious transactions in real-time. BullzAI Investigate then steps in to provide the in-depth analysis required for those transactions that warrant further scrutiny, or for post-event analysis and intelligence gathering. This integrated approach ensures both rapid prevention and thorough investigation, offering financial institutions a comprehensive shield against an array of fraud threats.
A notable deployment of the INETCO BullzAI platform occurred in December 2025 (based on the presumed current article date of July 2026), when Saudi Arabian fintech solutions provider Alhamrani Universal implemented the system via INETCO’s global partner, Stanchion Payments. This partnership demonstrated the global applicability and scalability of INETCO’s technology, bringing advanced fraud prevention capabilities to a rapidly expanding digital payments ecosystem in the Middle East. The region, experiencing rapid economic diversification and digital adoption, faces unique challenges in securing its burgeoning digital finance infrastructure.
Mario Rouhana, Chief Operations Officer at Alhamrani Universal, provided insight into the tangible benefits derived from the platform. “INETCO BullzAI gives us real-time visibility across thousands of self-service and digital payment transactions—revealing which financial institutions and merchants are active, how transactions are performing, and where suspicious behaviors or anomalies occur,” Rouhana explained. He further highlighted the strategic advantages: “By understanding the behavioral patterns of every user, terminal, and device, we can scale our business with confidence, respond instantly to emerging threats, and reinforce the trust our customers, partners, and regulators place in Alhamrani Universal as a leader in secure digital transformation.” This testimonial underscores the platform’s role not just in preventing fraud, but also in enabling business growth and fostering greater confidence in secure digital payment systems across diverse markets.
The Technological Edge: SLMs, Agentic AI, and Data Sovereignty
The technological ingenuity underpinning BullzAI Investigate is multifaceted. The deployment of a proprietary small language model (SLM) within the client’s own environment represents a sophisticated and secure approach to AI implementation in sensitive financial contexts. Unlike large language models (LLMs) that often necessitate extensive cloud-based processing and significant computational resources, SLMs can be precisely tailored for specific tasks, offering superior efficiency, targeted precision, and the critical advantage of strict on-premises deployment. This architectural decision is paramount for financial institutions, directly addressing prevalent concerns surrounding data sovereignty, adherence to evolving regulatory frameworks, and the overall security posture of highly sensitive transaction data. By maintaining all data within the client’s internal network, INETCO effectively mitigates the inherent risks associated with data in transit or storage on third-party cloud infrastructure, thereby strengthening the institution’s control over its most valuable assets.
The concept of "Agentic AI" is another cornerstone of BullzAI Investigate‘s innovation. Instead of relying on a single, monolithic AI entity, the system employs an array of specialized, autonomous agents. Each agent is designed for a distinct function: one might be dedicated to compiling and harmonizing transaction data from disparate systems, another to meticulously analyzing specific behavioral patterns (such as unusual spending habits, sudden geographic shifts, or changes in device IDs), and yet another to intelligently triage incoming alerts based on dynamically adjusted risk parameters. These agents operate collaboratively and autonomously, effectively mimicking the complex investigative process of a human analyst but achieving it at an unparalleled speed and scale. This modular, agent-based architecture enhances both the robustness and, critically, the explainability of the AI’s decisions. When an agent identifies a suspicious pattern or generates an alert, its underlying rationale is clearly traceable and fully auditable, providing the "explainable risk scores" that are indispensable for regulatory compliance and for fostering trust among human analysts.
Furthermore, the continuous supervised machine learning cycle is a testament to the system’s adaptive intelligence. Every time a human analyst reviews a case and provides feedback—whether by confirming an alert as genuine fraud, marking it as a false positive, or refining its categorization—the system learns from this invaluable human input. This iterative and continuous learning process ensures that BullzAI Investigate becomes progressively more accurate, efficient, and resilient over time, adapting dynamically to the emergence of new fraud schemes and significantly reducing the pervasive burden of false positives, which can often consume up to 80% of an analyst’s valuable time in traditional fraud detection systems.
Strategic Implications and Future Outlook for Financial Institutions
The launch of BullzAI Investigate carries profound strategic implications for the global financial sector. For banks and payment service providers, the immediate benefits are multifold: substantially reduced financial losses, significant operational cost savings, and markedly improved customer satisfaction. The ability to swiftly and accurately resolve fraud cases not only minimizes monetary impact but also enhances the overall customer experience, as legitimate transactions are less likely to be erroneously blocked, and fraudulent ones are addressed with greater speed and efficacy. This translates directly into stronger customer loyalty and a more secure, trustworthy digital banking environment.
From a broader strategic perspective, INETCO’s solution empowers financial institutions to confidently expand into new digital services and embrace the burgeoning landscape of real-time payment schemes. They can do so with the assurance that they have robust, adaptive fraud prevention and investigation capabilities firmly in place. The accelerating global shift towards instant payments, while offering immense benefits to consumers and businesses, simultaneously introduces new and complex challenges for fraud detection, as the critical window for intervention is drastically shortened. BullzAI Investigate, building upon the real-time blocking capabilities of the BullzAI platform, ensures that institutions can fully embrace these technological innovations without compromising on security or exposing themselves to undue risk.
Moreover, the unwavering emphasis on "explainable AI" and auditable risk scores is not merely a technical feature but a vital component for meeting increasingly stringent global regulatory requirements. Regulatory bodies worldwide are demanding greater transparency and accountability in AI-driven decision-making, particularly in critical domains like financial crime prevention. BullzAI Investigate‘s meticulous design directly addresses these concerns, providing clear, justifiable rationales for its recommendations and significantly facilitating compliance audits. This proactive approach to addressing regulatory demands positions institutions leveraging INETCO’s solution favorably within an ever-evolving and increasingly complex regulatory landscape.
INETCO: A Legacy of Innovation in Financial Technology
Headquartered in Vancouver, British Columbia, Canada, INETCO boasts a long and distinguished history in the financial technology space, having been founded in 1984. The company made its prominent debut on the Finovate stage at FinovateSpring 2015, showcasing its commitment to continuous innovation and its pioneering work in advanced transaction monitoring. Today, INETCO monitors an astounding volume of over 100 billion transactions annually, serving a diverse and expansive clientele of financial institutions and payment service providers across the globe. Its comprehensive suite of solutions delivers end-to-end, secure payment visibility, sophisticated adaptive modeling capabilities, and robust real-time fraud prevention, cementing its position as a critical enabler of secure digital commerce.
The consistent evolution of its product suite, from its foundational transaction monitoring capabilities to the advanced AI-driven fraud prevention of the BullzAI platform and now the highly specialized BullzAI Investigate, reflects INETCO’s deep understanding of the financial industry’s most pressing challenges. It also demonstrates an unwavering commitment to leveraging cutting-edge technology to effectively address these challenges. As the digital payment landscape continues its rapid expansion, driven by widespread mobile adoption, the proliferation of instant payment schemes, and the strategic initiatives of open banking, the demand for sophisticated, intelligent, and real-time fraud prevention and investigation tools will only intensify. With BullzAI Investigate, INETCO is not merely offering a new product; it is providing a strategic advantage to financial institutions striving to protect their assets, maintain paramount customer trust, and expertly navigate the complex, ever-changing world of financial crime. The era of reactive, manual fraud investigation is rapidly giving way to an age of proactive, AI-powered intelligence, and INETCO stands firmly at the forefront of this profound and transformative shift.
