Episode 6 - E-commerce and fintechs on the front line against fraud

Contents

The most common types of fraud in your sectors
Why fintechs and e-retailers remain vulnerable
The consequences: financial, regulatory, reputational
AP Solutions IO, your RegTech partner
Anticipation, compliance, resilience

False accounts, stolen payments, invisible embezzlement... Digital fraud is infiltrating the backstage areas of e-commerce and fintech, prompting industry players to beef up their systems. 

(Introduction) 

According to Tracfin' s latest activity report, published in June 2025, over 215,000 suspicious transaction reports were received in 2024, an increase of 13.2% in one year. 

A steady increase, driven in particular by the explosion in digital transactions. Today, e-commerce platforms and fintechs are at the forefront of the battle against this protean form of e-commerce fraud. 

At the crossroads of operational risks and regulatory requirements, you - compliance professionals, platform managers, CIOs or investors - face a major challenge: protecting your flows while maintaining a smooth customer experience. 

This new episode takes you deep into the threats, the technological levers available and the central role played by AP Solutions IO in monitoring transactions and implementing innovative compliance solutions. 

The most common types of fraud in your sectors 

E-commerce and fintech fraud is constantly evolving, but some patterns remain sadly recurrent: 

Fraudulent payments and chargebacks 

Attempted payments using stolen cards, hacked accounts or usurped identities are commonplace. Behind these suspicious transactions, abusive customer recourse (chargebacks) generate cascading losses for merchants. 

Fake accounts and automated bots 

The creation of fictitious profiles makes it possible to circumvent promotional offers, simulate false behavior or infiltrate loyalty programs. These loopholes disrupt your data, your algorithms and your margins. 

Refund and cashback fraud 

Some organized networks exploit loopholes in after-sales policies to demand undue refunds or hijack cashback systems. 

Identity theft and KYC failures 

Without robust KYC / KYT / KYS processes, falsified or stolen identities infiltrate your databases... 

All these practices expose us to considerable financial risks... and to a regulatory vagueness that is increasingly intolerable for regulators. 

Why fintechs and e-tailers remain vulnerable 

As a digital player, you have a competitive advantage: speed. But it's also your Achilles heel. 

Your flexible architectures, your multiple integrations, your appetite for rapid go-to-market and your API-first models open up loopholes. If you're a CIO or CTO, you know that every third-party integration is a potential loophole. 

Fintechs, in particular, handle sensitive data, high-volume financial flows and evolve under the pressure of constantly changing regulatory complianceGDPR, AMLA, DSA...). 

At the same time, marketplaces have to manage a double exposure: digital fraud on the buyer's side and fraud on the seller's side:  

• Fictitious dropshipping 

• Fake reviews 

• Laundering via cross-selling... 

This complexity makes monitoring transactions more difficult, while at the same time becoming a structural requirement for your growth. 

Consequences: financial, regulatory, reputational 

When we talk about e-commerce fraud, we first think of direct loss. But the impact goes far beyond that. 

• Loss of user confidence: a customer who is the victim of theft or a fake salesperson will hold you responsible, even indirectly. 

• Regulatory sanctions: any breach of your AML-CFT obligations may result in a formal notice, a fine or even suspension of activity. 

• Data leakage: fraud can also be used as a Trojan horse for massive information theft 

• Damaged reputation: for a fintech, the image of reliability is central to convincing partners, investors and authorities. 

• Algorithmic biases: mass false accounts disrupt your scoring and predictive models and distort due diligence. 

In the event of non-compliance, the regulatory consequences can be severe. The ACPR, AMLA and even Tracfin no longer hesitate to sanction players deemed negligent. 

Technological solutions at your fingertips 

Fortunately, tools are evolving, and some RegTechs offer compliance solutions designed for your specific environments. 

Augmented intelligence to analyze behavior 

Platforms like AP Solutions IO integrate augmented intelligence engines capable of spotting weak signals in a stream of interactions:  

• Navigation anomalies, 

• Payment inconsistencies 

• Handling identifiers... 

Contextual, cross-referenced and dynamic analysis then becomes a strategic lever. 

Automating compliance processes 

Where humans can no longer keep up, process automation enables real-time checks: PEP filtering / sanctions, behavioral scoring, biometric KYC... These checks are triggered without slowing down the user experience. 

Optimizing internal processes 

With transaction monitoring tools like AP Monitoring, you get a consolidated view of your flows. Every discrepancy is logged, recorded and ready to be audited. In the event of a control or compliance audit, you're all set. 

These solutions enable you to integrate compliance into your value chain without sacrificing the agility of your product or tech teams. 

AP Solutions IO, your RegTech partner 

Are you looking for a partner who understands your business challenges while strengthening your defenses? 

AP Solutions IO is specifically designed for fintechs, e-tailers and digital platforms looking for regulatory solidity. 

Our software suite, designed for agile environments, is based on three pillars: 

Transparency: every decision is traceable, comprehensible and audited 

Scalability: the tool adapts to your growing volumes and workloads 

Easy integration: via API, their modules integrate directly with your systems (CRM, payment tools, back-office, etc.). 

For your KYT, behavioral scoring or AML filtering needs, AP Solutions IO deploys a tailor-made, scalable approach perfectly aligned with regulators' requirements. 

Anticipation, compliance, resilience 

The rise of e-commerce fraud and the growing sophistication of attacks targeting fintechs are redrawing the front lines of digital compliance. You experience it every day: high volumes, instantaneous flows, cascading regulatory requirements... The equation is becoming critical. 

In this context, transaction monitoring is no longer a simple control tool, but a strategic lever for detecting suspicious transactions, making your customer journeys more reliable and meeting regulators' expectations without slowing down the user experience. 

As this sixth episode has shown, there are concrete, scalable solutions designed to meet your business challenges. Those that combine process automation, KYT, augmented intelligence and solid regulatory anchoring (AMLA, Tracfin, GDPR...) are today the only ones to guarantee lasting operational resilience.