Visa has introduced an upgraded version of its A2A Protect solution, aimed at helping financial institutions identify account-to-account fraud before customer funds are transferred out.
The update includes a new unified fraud score. This marks the first in-market product to integrate technology from Featurespace since Visa acquired the company.
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The unified score is designed to give banks clearer and faster signals for spotting fraudulent transactions. It also aims to cut down on false alerts.
Alongside the enhanced A2A Protect, Visa is building a separate capability called Visa Graph IQ.
According to the payments major, this tool uses graph-based, agentic technology to support deeper fraud investigations. It is designed to help institutions map out fraud networks, spot money mule activity, flag emerging threats, and speed up investigation timelines.
A2A Protect relies on AI and transfer learning techniques to give banks access to global risk insights on A2A transactions. Visa says this approach lets institutions see “results and value from day one,” rather than waiting months to train models on their own data.
Banks that choose to participate can also tap into additional network-level signals. These are intended to help detect threats that span across the broader payments ecosystem.
Visa Asia Pacific Value-Added Services head Serene Gay said: “As account-to-account payments continue to accelerate across Asia Pacific, financial institutions are looking for ways to grow digital payments with confidence while maintaining a seamless experience for consumers and businesses.
“The latest enhancements to A2A Protect combine Visa’s network intelligence with advanced AI capabilities to help our clients detect fraud earlier, respond faster to emerging threats, and strengthen trust in the digital payments ecosystem.”
A2A Protect connects to a financial institution’s existing systems through a single API, shortening implementation timelines and reducing technical complexity.
Each fraud alert generated by the system comes with a plain-language explanation for why the transaction was flagged. Visa said this feature helps fraud teams make faster decisions without creating friction for legitimate customers.
