{"stable_id":"ac275cd6b5259281","slug":"mastercard-decision-intelligence-pro","company":"Mastercard","workflow_name":"Decision Intelligence Pro graph-based transaction risk scoring","function_code":"financial_crime","pattern_codes":["creator_to_judge"],"changed_assumption":"A sub-50-millisecond model can enrich transaction risk before the issuing bank decides approval.","evidence_strength":"reported","publication_tier":"showcase","freshness":"watch","reviewed_at":"2026-08-23","updated_at":"2026-08-22","source_quality_summary":"1 primary; publication outcomes are reported.","caveat_summary":"Internal modeling, not audited production performance. Company analysis with proprietary methods; outcome must be refreshed against production evidence.","freshness_caveat":"Watch status: verify the cited source and deployment condition before reusing this case.","workflow_summary":{"before":[{"actor":"Decision Intelligence","action":"Scores transactions from account, merchant, device, and purchase features.","actor_type":"control"},{"actor":"Issuing bank","action":"Approves, declines, or challenges the transaction.","actor_type":"control"}],"hinge":"A sub-50-millisecond model can enrich transaction risk before the issuing bank decides approval.","after":[{"actor":"Decision Intelligence Pro","action":"Analyzes entity relationships across a much larger graph and improves the risk score in under 50 milliseconds.","actor_type":"system"},{"actor":"Issuing bank","action":"Uses the score with its own rules to approve, decline, or challenge.","actor_type":"system"}],"decision_mode":"shared","decision_marker":"Human moves from creator to judge"},"before":[{"order":1,"actor":"Decision Intelligence","action":"Scores transactions from account, merchant, device, and purchase features.","handoff_to":"Issuing bank","control":"Bank fraud rules and authorization policy."},{"order":2,"actor":"Issuing bank","action":"Approves, declines, or challenges the transaction.","handoff_to":"Cardholder and merchant","control":"Issuer decision rights."}],"after":[{"order":1,"actor":"Decision Intelligence Pro","action":"Analyzes entity relationships across a much larger graph and improves the risk score in under 50 milliseconds.","handoff_to":"Issuing bank","control":"Real-time bounded scoring."},{"order":2,"actor":"Issuing bank","action":"Uses the score with its own rules to approve, decline, or challenge.","handoff_to":"Cardholder and merchant","control":"Issuer retains authorization."}],"decision_rights":"Issuers decide approval, decline, challenge, and customer remediation.","exception_path":"Uncertain or challenged transactions follow issuer verification and fraud-investigation processes.","removed_work":["Some manual relationship analysis for transaction-risk patterns"],"outcomes":[{"metric":"Fraud-detection model performance","baseline":"Existing Decision Intelligence scoring.","result":"Mastercard's initial modeling showed 20% average fraud-detection improvement.","period":"Pre-launch modeling reported February 2024.","scale":"Existing platform scored 143 billion annual transactions; new model scans one trillion data points.","attribution_caveat":"Internal modeling, not audited production performance.","evidence_label":"reported"},{"metric":"False positives","baseline":"Existing Decision Intelligence performance.","result":"Mastercard's analysis projected more than 85% reduction.","period":"Pre-launch analysis reported February 2024.","scale":"Global payment scoring platform.","attribution_caveat":"Company analysis with proprietary methods; outcome must be refreshed against production evidence.","evidence_label":"reported"}],"executive_lesson":"High-scale risk AI can qualify as a workflow case while its performance claims remain explicitly company-modeled and refresh-sensitive.","anti_pattern":"Publishing modeled gains as audited realized results.","questions_for_leaders":["What production cohort verifies the model?","How do issuers override or tune scores?","What protected or proxy features are monitored?"],"collections":["regulated-autonomy"],"bundle_version":"1.0.0","bundle_fingerprint":"sha256:c23c6cc2b88153d008ea8fda928f632ce0011fc2d4c5036672a16e5d895bab93","canonical_url":"https://brianletort.ai/transformations/mastercard-decision-intelligence-pro"}