Data Sharing Platform

Fraudsters move between channels and institutions faster than any single team can follow. Our Cross-Channel & Cross-Organization Data Sharing Platform unifies detection and shares alerts across banks. 
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How the platform detects fraud across channels and banks

Card, A2A, online banking and wallet fraud teams work in isolation, and so do banks. Attackers exploit both silos.
Cross-channel 

Unifies card, A2A, online banking, wallet and instant-payment signals into one real-time customer risk view inside your organization, so a detection in one channel strengthens every other decision. 

Cross-organization 

Shares high-risk signals across banks and PSPs in near real time, so a fraud pattern caught at one institution stops it from reappearing, clean, at the next one. 

Built on four principles 

Real-time scoring, privacy-by-design, API-first integration and hybrid machine-learning plus rules, all working together to keep pace with instant payments. 

Benefits of our Data Sharing Platform

What your fraud team gains: Faster detection, fewer false positives, and less duplicated work spread across separate channel teams. 
See the whole customer

One risk view across card, A2A, online banking and wallet replaces separate channel dashboards, so a signal in one channel strengthens every decision your fraud team makes. 

Act before authorization

Scoring runs in milliseconds, built for instant-payment rails where funds clear before a manual review could ever start, let alone finish in time.

Plug into what you have

API-first design connects to your existing fraud orchestration and case management systems. No rip-and-replace, no new team to hire, no lost investment.

Inside the fraud detection platform

Two layers, one fraud prevention hub, working together to close both gaps at once. 

Every channel, e-commerce, mobile banking, e-banking, wallet, publishes activity signals such as suspicious devices, stolen credentials, mule patterns and rapid limit changes.

Other channels in the same organization consume these signals in real time, so a detection anywhere strengthens risk decisions everywhere.

Fraud alerts, IBANs, device and merchant indicators are shared across banks and PSPs in near real time, aligned with EU-wide feeds such as FRIDA and Banque de France MISP as well as domestic platforms.

A detection at one bank becomes protection at the next, before the same fraudster can reuse the same trick twice.

A central hub aggregates signals from every channel and external source, then returns one cross-channel risk score.

Hybrid machine-learning and rule-based models keep that score current as new fraud patterns keep appearing across the wider network, not just inside your own organization's four walls.

Benefits of our Data Sharing Platform for your customers 

Protection that follows the money, wherever it moves, not just the channel it started in. 
Fraud caught earlier 

A stolen password or hijacked device is flagged the moment it appears, before it reaches a payment, wherever the customer banks with you across channels.

Fewer false declines

A complete risk picture means genuine payments are less likely to be blocked by rules that were only ever built for a single channel in isolation.

Accounts stay theirs

Cross-bank alerts stop the same mule, device or merchant from reaching a customer again at a completely different institution just days later.

The numbers behind the case 

Fraud has outgrown the way most banks fight it, and the numbers show exactly where. 
Fraud losses
Cross-border
Detection lift

Fraud data sharing is becoming mandatory

Regulation, timing and reach all point in the same direction, and none of them wait around. 
PSR/PSD3 is coming

Article 83a will require PSPs to share fraud and risk data with other PSPs and competent authorities in near real time, enabling proactive blocking before a transaction completes.

Provisional political agreement was reached in November 2025, with the obligation expected to take effect around 2028, and the groundwork needs to start well before that date.
 

Instant payments leave no time

SCT Inst and 24/7 real-time settlement schemes now clear funds in under ten seconds flat.

Once a payment is authorized, it cannot be recalled, so detection has to happen before authorization clears, not after the money and the fraudster are both already gone for good, well beyond any hope of recovery.

Built by a company that sees both sides

G+D Netcetera runs 3DS authentication for a major share of European card volume and serves thousands of financial institutions across the continent.

That reach on both the issuing and acquiring side, in one governance model, is what makes the cross-organization layer possible in the first place, not just a roadmap promise.

FAQs

Answers to the questions banks and PSPs tend to ask first, before they even get to pricing or timelines. 
What data is actually shared with other banks?

Only fraud signals: suspicious devices, stolen credentials, mule patterns, compromised IBANs and behavioural anomalies. Customer data itself is never shared between institutions. The platform follows GDPR-compliant anonymisation and the purpose-limitation principle set out in the PSR/PSD3 proposal, so shared signals can only ever be used to prevent fraud, and a recipient PSP is bound by confidentiality obligations on what it receives.

How does this fit with our existing fraud tools?

The platform is API-first and connects to the fraud orchestration and case management systems you already run today, without disruption. Most banks start with a single rail, often 3DS or card-not-present, then add A2A, instant payments and wallets in their own order of priority as confidence and integration effort allow. There is no need to replace what already works, and no forced migration timeline to follow.

What does implementation actually look like?

It starts with a half-day value workshop to map your exposure and priorities against your own volumes. From there, most institutions onboard one gateway first, usually e-commerce, within two to four weeks, then expand across rails over the following months as each new rail strengthens detection in all the others, building toward full cross-channel and cross-organization participation across the whole organization.

Related solutions

Fraud prevention across the payment chain. 
3-D Secure Issuer Service

Risk-based authentication for card-not-present transactions, the natural starting point for your first cross-channel rail. 

 

Discover the solution​

3DS Server

1st in Europe, 2nd globally EMVCo-approved. G+D Netcetera 3DS Server SaaS: PCI 3DS + PCI DSS certified, 10+ card networks. Stop fraud. Keep conversion. 

 

Discover the solution

Fusion Platform

Real-time case investigation and fraud marks that feed directly into your cross-channel risk view.
 

Discover the solution​

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