Visa launches enhanced A2A Protect innovations to help financial institutions stop fraud before money leaves accounts. 2 mins read * New unified fraud score is the company's first combined offering in-market since Visa's acquisition of Featurespace * A2A Protect has been shown to reduce over 50% more fraud and help reduce over 40% in unnecessary fraud alerts SAN FRANCISCO-BUSINESS WIRE- Visa (NYSE: V), a world leader in digital payments, today announced an enhanced version of A2A Protect, delivering real-time risk insights that help banks stop account-to-account fraud before money leaves customer accounts. The expanded solution introduces a new unified fraud score - Visa's first in-market integration of Featurespace technology - giving financial institutions faster, clearer signals to detect more fraud while reducing unnecessary alerts. As account-to-account (A2A) payments accelerate globally, A2A transactions are projected to surpass 5.8 trillion by 2028, a 160% increase from 2024[1]. A2A Protect leverages advanced AI and sophisticated transfer learning and gives banks immediate access to critical global risk insights on A2A transactions, without waiting months for models to develop intelligence from a bank's own transaction data, and without having to wait for other banks to join a consortium, delivering results and value from day one. Banks that opt in can incorporate additional network-level signals to enhance detection of emerging threats operating across the ecosystem. "Fraudsters move fast across payment types, and financial institutions need risk insights just as quickly, without slowing down legitimate payments," said James Mirfin, Head of Risk and Security Solutions, Visa. "A2A Protect combines Visa's network expertise with Featurespace's technology to deliver a powerful new layer of protection that helps financial institutions detect more fraud, earlier." For financial institutions that opt into network level intelligence sharing, A2A Protect highlights emerging scam hotspots and coordinated fraud activity - insights that may be difficult for individual financial institutions to detect alone, and that help the wider ecosystem respond faster to new threats.This gives financial institutions a more complete and early view of risk, helping to identify scams before authorization. In fact, Visa A2A Protect has been shown to increase fraud detection by 75% in the first six months of deployment. A2A Protect integrates with financial institutions' current systems through a single API, reducing implementation time and complexity. Each alert includes a plain language explanation of why a transaction was flagged, helping fraud teams act quickly and confidently without disrupting genuine customers. About Visa Inc. Visa (NYSE: V) is a world leader in digital payments, facilitating payments transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Its mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. Medianet believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at Visa.com. | ____________________ | | [1] Juniper Research, Global Instant Payments Market Report, September 2025 | Contact details:

Visa launches enhanced A2A Protect innovations to help financial institutions stop fraud before money leaves accounts. * Payments * 01.09.2026 02:32 pm Visa, a world leader in digital payments, today announced an enhanced version of A2A Protect, delivering real-time risk insights that help banks stop account-to-account (A2A) fraud before money leaves customer accounts. The expanded solution introduces a new unified fraud score - Visa's first in-market integration of Featurespace technology - helping give financial institutions faster, clearer signals to support the detection of more fraud while reducing unnecessary alerts. Across Europe, fraudulent credit transfers cost consumers and businesses €2.5 billion in 20241,underlining the need for banks to stop scams before money leaves an account. A2A Protect leverages advanced AI and sophisticated transfer learning and gives banks immediate access to critical global risk insights on A2A transactions, without waiting months for models to develop intelligence from a bank's own transaction data, and without having to wait for other banks to join a consortium, helping to deliver results and value from day one. Banks that opt in can incorporate additional network-level signals to enhance detection of emerging threats operating- across the ecosystem. For financial institutions that opt into network level intelligence sharing, A2A Protect highlights emerging scam hotspots and coordinated fraud activity - insights that may be difficult for individual financial institutions to detect alone, and that help the wider ecosystem respond faster to new threats. "Fraud is evolving rapidly, and banks need technology that can evolve even faster," said Mandy Lamb, Head of Value-Added Services at Visa Europe. "We're giving financial institutions a smart way to identify emerging threats and respond with greater precision, helping them stay ahead in an increasingly complex fraud landscape. This reflects our continued commitment to Europe and our focus on bringing practical innovations to banks that help them best protect their customers and grow with confidence." One major European bank using A2A Protect reduced over 50% more fraud, while reducing unnecessary alerts by over 40%, improving customer protection while keeping legitimate payments flowing. If such results are realised across the industry, a similar reduction could equate to around €1.25 billion2 being detected before funds leave accounts. Visa A2A Protect has been shown to increase fraud detection by 75% in the first six months of deployment. "Fraudsters move fast across payment types, and financial institutions need risk insights just as quickly, without slowing down legitimate payments" said James Mirfin, Head of Risk and Security, Visa. "A2A Protect combines Visa's network expertise with Featurespace's technology to deliver a powerful new layer of protection that helps financial institutions detect more fraud, earlier. A2A Protect integrates with financial institutions' current systems through a single API, reducing implementation time and complexity. Each alert includes a plain language explanation of why a transaction was flagged, helping fraud teams act quickly and confidently without disrupting genuine customers.

Lendscape appoints fintech veteran Pat Hinchin as COO to drive global SaaS scaling. Quick summary. Lendscape has appointed Pat Hinchin as Chief Operating Officer to spearhead its global operational scaling. With over 25 years of experience, Hinchin will oversee the delivery of Lendscape's commercial finance technology, focusing on transitioning enterprise software into automated, API-driven SaaS solutions for leading global banks and lenders. How does Pat Hinchin strengthen Lendscape's commercial finance technology? Pat Hinchin joins Lendscape with a 25-year track record in fintech and regtech, specifically focusing on risk and compliance. His primary objective is to refine the operational delivery model as the company transitions its legacy enterprise software into modern, API-driven SaaS platforms. By leveraging his background as the former CPTO of Featurespace, Hinchin ensures that Lendscape can meet the high-speed execution demands of global banking partners. * 25+ years experience in fintech and regtech sectors. * Expertise in modernising enterprise software for SaaS environments. * Direct oversight of global operations and delivery. What does this mean for Lendscape's global expansion? The appointment of a new COO is a strategic move to support Lendscape's aggressive international growth. Following the 2025 acquisition of WinFactor, Lendscape has significantly increased its footprint in the North American market. Hinchin joins an expanded executive team that includes a new CMO and CRO, creating a leadership structure capable of managing commercial finance technology deployments across more than 40 global markets. * Integration of WinFactor acquisition assets in North America. * Scalable infrastructure for automated lending solutions. * Strengthened leadership with ex-Featurespace and LexisNexis expertise. "Commercial lending is becoming more automated and AI-enabled, and our platform and long-standing partnerships with the world's leading banks and lenders put us in a strong position to lead that shift. Pat brings deep fintech experience and a track record of scaling software businesses, and his experience will strengthen our operational foundation as we grow." said Brett Promisel, Chief Executive Officer at Lendscape. Factory Automation How is Lendscape evolving for the AI-enabled lending era? Lendscape is positioning its commercial finance technology at the intersection of automation and intelligence. The company is focusing on execution at scale, ensuring that its secured lending technology - which supports factoring, invoice discounting, and supply chain finance - remains the reliable industry standard. Hinchin's focus on automated and intelligent lending workflows will allow Lendscape to deliver faster, more reliable outcomes for its 50+ years of banking clients. "What drew me to Lendscape are the solutions, the people, and the trust it has earned with leading lenders in the market. As lending becomes more automated and intelligent, winning will come down to execution - delivering at scale, at speed, and with the reliability they depend on. That's where I intend to focus, alongside a talented team, as the business grows." said Pat Hinchin, Chief Operating Officer at Lendscape. Ff news take: Lendscape's move to bring in a heavyweight like Pat Hinchin definitely moves the needle. Transitioning from a product/tech leadership role at Featurespace to COO at Lendscape suggests a serious pivot toward operational excellence in SaaS. As the commercial lending space becomes crowded with agile startups, Lendscape is doubling down on commercial finance technology that combines institutional reliability with modern API flexibility. This is a clear signal they intend to dominate the global mid-market and enterprise lending sectors. Featured speakers.