Yapı Kredi Cuts Fraud by 98% in Seven Years Using FICO AI Technology
Yapı Kredi (YKB), a Turkish bank, has achieved remarkable success in fraud prevention using FICO® Falcon® Fraud Manager, reducing fraud losses by 98.7% over seven years. The bank maintains Turkey's lowest card fraud ratio, 50% lower than its peers, while processing 40 million daily transactions and detecting approximately 500 potential fraud cases.
The bank enhanced its fraud detection capabilities by implementing over 1,000 fraud detection rules and custom machine learning models, achieving a false positive ratio of 10:1, significantly improved from the previous 30:1. The system operates with a 99.98% success rate and processes transactions in just 4 milliseconds.
For these achievements, YKB won a 2025 FICO® Decision Award for Fraud Management. The bank successfully adapted its fraud prevention system to new payment channels, including cryptocurrency transfers and open banking.
Yapı Kredi (YKB), una banca turca, ha conseguito un successo notevole nella prevenzione delle frodi utilizzando FICO® Falcon® Fraud Manager, riducendo le perdite per frodi del 98,7% in sette anni. La banca mantiene il rapporto di frode sulle carte più basso in Turchia, 50% inferiore rispetto ai suoi concorrenti, elaborando 40 milioni di transazioni quotidiane e rilevando circa 500 casi di frode potenziale.
La banca ha potenziato le sue capacità di rilevamento delle frodi implementando oltre 1.000 regole di rilevamento delle frodi e modelli di machine learning personalizzati, raggiungendo un rapporto di falsi positivi di 10:1, significativamente migliorato rispetto al precedente 30:1. Il sistema opera con un tasso di successo del 99,98% e processa le transazioni in appena 4 millisecondi.
Per questi risultati, YKB ha vinto un 2025 FICO® Decision Award per la gestione delle frodi. La banca ha adattato con successo il suo sistema di prevenzione delle frodi a nuovi canali di pagamento, inclusi i trasferimenti di criptovalute e l'open banking.
Yapı Kredi (YKB), un banco turco, ha conseguido un éxito notable en la prevención de fraudes utilizando FICO® Falcon® Fraud Manager, reduciendo las pérdidas por fraudes en un 98,7% en siete años. El banco mantiene la tasa de fraude con tarjetas más baja de Turquía, 50% inferior a sus competidores, procesando 40 millones de transacciones diarias y detectando aproximadamente 500 casos de fraude potencial.
El banco mejoró sus capacidades de detección de fraudes implementando más de 1.000 reglas de detección de fraudes y modelos de aprendizaje automático personalizados, alcanzando una tasa de falsos positivos de 10:1, significativamente mejorada desde el anterior 30:1. El sistema opera con una tasa de éxito del 99,98% y procesa transacciones en solo 4 milisegundos.
Por estos logros, YKB ganó un 2025 FICO® Decision Award por la gestión de fraudes. El banco se adaptó con éxito a nuevos canales de pago, incluidos los transferencias de criptomonedas y la banca abierta.
야프ı 크레디 (YKB), 터키 은행이자 FICO® Falcon® Fraud Manager를 이용한 사기 방지에서 놀라운 성공을 거두었습니다. 7년 동안 사기 손실을 98.7% 감소시켰습니다. 이 은행은 터키에서 최저 카드 사기 비율을 유지하고 있으며, 동종 업계보다 50% 낮은 수치를 기록하고 있습니다. 매일 4천만 건의 거래를 처리하며 약 500건의 잠재적인 사기 사례를 탐지하고 있습니다.
이 은행은 1,000개 이상의 사기 탐지 규칙과 맞춤형 머신러닝 모델을 구현하여 사기 탐지 능력을 강화하였고, 이전의 30:1에서 크게 개선된 10:1의 거짓 긍정 비율을 달성하였습니다. 시스템은 99.98%의 성공률로 작동하며, 단 4밀리초 만에 거래를 처리합니다.
이러한 성과로 YKB는 사기 관리 부문에서 2025 FICO® Decision Award를 수상했습니다. 이 은행은 암호화폐 송금 및 오픈 뱅킹을 포함한 새로운 결제 채널에 맞게 사기 방지 시스템을 성공적으로 조정했습니다.
Yapı Kredi (YKB), une banque turque, a réussi à prévenir les fraudes de manière remarquable grâce à FICO® Falcon® Fraud Manager, réduisant ainsi les pertes dues aux fraudes de 98,7% sur sept ans. La banque maintient le ratio de fraude par carte le plus bas de Turquie, 50% inférieur à ses concurrents, tout en traitant 40 millions de transactions quotidiennes et en détectant environ 500 cas de fraude potentiels.
La banque a amélioré ses capacités de détection des fraudes en mettant en œuvre plus de 1.000 règles de détection des fraudes et des modèles d'apprentissage automatique personnalisés, atteignant un taux de faux positifs de 10:1, considérablement amélioré par rapport au précédent 30:1. Le système fonctionne avec un taux de succès de 99,98% et traite les transactions en seulement 4 millisecondes.
Pour ces réalisations, YKB a remporté un 2025 FICO® Decision Award pour la gestion des fraudes. La banque a réussi à adapter son système de prévention des fraudes à de nouveaux canaux de paiement, y compris les transferts de cryptomonnaies et la banque ouverte.
Yapı Kredi (YKB), eine türkische Bank, hat bemerkenswerte Erfolge bei der Betrugsprävention durch den Einsatz des FICO® Falcon® Fraud Manager erzielt und die Betrugsverluste in sieben Jahren um 98,7% reduziert. Die Bank hält das niedrigste Risiko für Kartenbetrug in der Türkei, das 50% niedriger ist als bei ihren Mitbewerbern, und verarbeitet täglich 40 Millionen Transaktionen, wobei etwa 500 potenzielle Betrugsfälle erkannt werden.
Die Bank hat ihre Betrugserkennungsfähigkeiten verbessert, indem sie über 1.000 Betrugserkennungsregeln und maßgeschneiderte Machine Learning-Modelle implementiert hat. Dadurch wurde die Rate für falsche Alarme von zuvor 30:1 auf 10:1 signifikant verbessert. Das System arbeitet mit einer Erfolgsquote von 99,98% und verarbeitet Transaktionen in nur 4 Millisekunden.
Für diese Leistungen erhielt YKB den 2025 FICO® Decision Award für Betrugsmanagement. Die Bank hat ihr Betrugspräventionssystem erfolgreich an neue Zahlungskanäle angepasst, einschließlich Kryptowährungsüberweisungen und Open Banking.
- Reduced fraud losses by 98.7% over seven years
- Maintains lowest card fraud ratio in Turkey (50% lower than peers)
- Improved false positive ratio from 30:1 to 10:1
- System operates with 99.98% success rate
- Processes 40 million daily transactions in 4 milliseconds
- None.
Insights
This implementation success at Yapı Kredi represents a significant validation of FICO's AI-driven fraud prevention technology, particularly in challenging emerging markets. The achievement of processing 40 million daily transactions with just 4 milliseconds response time demonstrates exceptional scalability that could drive FICO's expansion in high-growth markets.
The reduction in false positives from 200:1 to 10:1 is particularly noteworthy as it addresses one of the banking industry's most costly operational challenges. This 20x improvement in accuracy translates to substantial cost savings and enhanced customer satisfaction, making FICO's solution increasingly attractive to other large financial institutions.
The system's demonstrated ability to adapt to new payment channels, including cryptocurrency transfers and open banking, positions FICO advantageously in the rapidly evolving fintech landscape. With 50% of Turkey's adult population investing in cryptocurrencies, this successful adaptation to emerging payment technologies strengthens FICO's competitive moat and market leadership in fraud prevention.
The integration of custom data and machine learning models showcases FICO's platform flexibility and technological sophistication. This success story in Turkey, especially during economic challenges and natural disasters, serves as a powerful reference case for other emerging markets, potentially accelerating FICO's international expansion and revenue growth.
Turkish lender achieves one of the best fraud ratios among Turkish banks by incorporating custom machine learning scores with FICO® Falcon® Fraud Manager
Highlights:
-
Yapı Kredi reduced fraud losses by
98.7% over seven years, using FICO® Falcon® Fraud Manager. -
The bank maintains Turkiye’s lowest card fraud basis point ratio—
50% lower than peers. - Yapı Kredi analyzes 40 million transactions each day, detecting 500 potential fraud cases.
- Yapı Kredi has won a 2025 FICO® Decision Award for Fraud Management.
Turkiye’s Yapı Kredi (YKB) has harnessed the power of FICO’s advanced fraud detection technologies including FICO® Falcon® Fraud Manager to achieve a remarkable
More information: https://www.fico.com/en/products/fico-falcon-fraud-manager
“The global economic slowdown and Turkiye's recent earthquake significantly increased transaction volumes and fraud risks,” said Halis Köseoğlu, fraud prevention director at Yapı Kredi. “We expanded our analytics team, developed new fraud detection rules, and leveraged FICO Falcon Fraud Manager’s capabilities to deliver real-time fraud prevention with exceptional accuracy and efficiency.”
Adapting Fraud Prevention to Emerging Payment Channels
The biggest challenge Yapı Kredi faced in evolving its fraud system was monitoring anomalies across existing and new service channels, including cryptocurrency transfers, open banking, card-to-card transfers, and request-to-pay. With
YKB’s new analytics, driven by both machine learning algorithms and precalculated enriched data, underpin more than 1,000 fraud detection rules in FICO Falcon Fraud Manager, which protects Yapı Kredi’s demand deposit accounts, credit cards, debit cards and merchants. Every day, more than 40 million monetary and non-monetary transactions are processed, with FICO Falcon Fraud Manager detecting approximately 500 potentially fraudulent activities daily. Each transaction is analyzed with remarkable efficiency, boasting an average response time of just 4 milliseconds.
Smarter Analytics, Faster Detection
“It is crucial that our systems scale effectively to meet increasing demand,” said Köseoğlu. “FICO Falcon Fraud Manager can handle our volume growth, and now processes more than 40 million transactions daily. Our overall fraud system operates with a
Since implementing FICO Falcon Fraud Manager in 2017, YKB’s approach has resulted in a false positive ratio of approximately 10:1— a substantial enhancement compared to the previous ratio of 30:1 and the pre-Falcon ratio of over 200:1.
According to data from the Turkish Interbank Card Centre, Yapı Kredi has one of Turkiye’s best card fraud basis point ratios, standing at less than 0.6.
“A key factor in these successes is our ability to detect and block
Yapı Kredi leverages FICO Falcon Fraud Manager to streamline fraud management across channels, including phone (IVR), SMS, email, push notifications, and mobile banking. “These integrations allow us to quickly confirm transactions based on their risk level, ensuring real-time fraud prevention and seamless customer communication,” added Köseoğlu.
For its achievements, Yapı Kredi won the 2025 FICO® Decision Award for Fraud Management.
“Criminals worldwide have accelerated the evolution of their technology to commit fraud at an unprecedented scale,” said Nikhil Behl, executive vice president for software at FICO. “Yapı Kredi sets a global benchmark for financial institutions with their leadership in synthesizing FICO Falcon Fraud Manager with models, custom data, and advanced analytics.”
“Yapı Kredi’s achievement goes beyond fighting fraud—it’s about creating a banking environment where security enhances trust and convenience for customers," said risk analytics senior manager Regan Goble at Westpac NZ, one of the FICO Decision Awards judges and one of last year’s winners. "Their innovative use of AI and data-driven insights shows how fraud prevention can evolve into a competitive advantage."
FICO® Falcon® Fraud Manager is the world’s leading payments fraud solution, protecting some 4 billion payment accounts worldwide. It was the first fraud system to deploy AI and has evolved through dozens of patents in machine learning and other technologies.
To see the full list of 2025 FICO Decisions Awards winners, check out: https://www.fico.com/en/decisionawards
About Yapı Kredi
Yapı Kredi has been sustainably strengthening its market positioning in the sector since its establishment in 1944, through a customer-centric approach and focus on innovation. Yapı Kredi achieved total assets worth TL 2.5 trillion as of the first nine months of 2024. Constantly seeking to increase its contribution to the financing of the Turkish economy with its customer-centric approach, Yapı Kredi enlarged the volume of its total cash and non-cash loans by
Learn more at https://www.yapikredi.com.tr/.
About the FICO® Decisions Awards
The FICO Decisions Awards recognize organizations that are achieving remarkable success using FICO solutions. A panel of independent judges with deep industry expertise evaluates nominations based upon measurable improvement in key metrics; demonstrated use of best practices; project scale, depth and breadth; and innovative uses of technology. The 2025 judges are:
- Regan Goble, risk analytics senior manager at Westpac NZ (Previous Winner)
- Megha Kumar, research vice president at IDC
- Joe McKendrick, analyst and senior contributor at Forbes
- Luiz Pacete, technology and marketing industry influencer
- Ali Paterson, founder and editor-in-chief at Fintech Finance
-
Mike Roberts, head of unsecured retail risk at HSBC
UK bank (Previous Winner) - Erin Stillwell, head of strategic partnerships and engagements at TSYS (Previous Winner)
- Allan Tan, group editor-in-chief at Cxociety
The winners of the FICO Decisions Awards will be spotlighted at and win tickets to FICO® World 2025, May 6-9, 2025, at the Diplomat Hotel in
About FICO
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by
Learn more at https://www.fico.com
FICO and Falcon are registered trademarks of Fair Isaac Corporation in the
View source version on businesswire.com: https://www.businesswire.com/news/home/20250130240001/en/
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Source: FICO
FAQ
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