When it comes to card fraud, the criminals aren’t slowing down. And neither is Rippleshot. Every month, our proprietary fraud intelligence reports shed light on new tactics and seasonal trends that most institutions won’t detect until it's too late. But what truly sets Rippleshot’s insights apart isn’t just their accuracy or timeliness. It’s how we get them.

Our exclusive access to a consortium of over 5,000 financial institutions – analyzing more than 50 million debit and credit card transactions daily – means that Rippleshot sees more than almost anyone else in the industry. More fraud activity. More risk indicators. More high-risk merchant behaviors. And more opportunities to stop fraud before it strikes.

Seasonal Spending, Strategic Exploits

Take June 2025, for example. While account holders spent more on summer essentials like travel, entertainment, and home improvement, fraudsters were right there – embedding attacks into those very same transactions.

At Bicycle Shops, fraud skyrocketed by over 1,000%, even though legitimate spend only increased 21%. Fraud at Bars and Nightclubs more than doubled, outpacing the rise in social spending. Fuel Dispensers and Home Supply Warehouses also showed steep fraud increases relative to spend, pointing to a trend: fraudsters hiding in plain sight by targeting everyday purchases.

These are not anomalies. They're signals. And with Rippleshot’s data advantage, we detect and surface these signals months before they show up in traditional fraud monitoring systems.

Fraud That’s Preventable – If You Have the Right Data

Most fraud platforms rely on historical patterns or alert networks that lag behind actual activity. Rippleshot flips that model on its head.

Through our Rules Assist and Sonar solutions, we use predictive analytics powered by our consortium data to help financial institutions make better fraud decisions. Whether it's identifying which cards are actually at risk or knowing which merchants are driving the newest attack patterns, we arm fraud teams with intelligence they simply can’t get anywhere else.

Let’s be clear: our ability to flag niche categories or specific MCCs like Bicycle Shops or Department Stores before they become front-page problems isn’t just guesswork – it’s data science at scale. And only Rippleshot has access to this depth of transactional behavior across the financial services ecosystem.

The Competitive Advantage of Seeing What Others Can’t

With Rippleshot, you're not just reacting to fraud. You're staying ahead of it. You’re protecting account holders in smarter, less disruptive ways. You’re reducing operational drag and reputational risk. And most importantly, you’re doing it with confidence – because the decisions you're making are backed by the industry’s most complete view of card fraud behavior.

While others wait for alerts, Rippleshot clients are taking action. That’s the power of exclusive data.

Want the full picture?

Download the June 2025 Fraud Intelligence Report to dive into the data and recommendations that can elevate your fraud strategy.

Book a call with our team to see how Rippleshot’s real-time insights and predictive tools can help your institution fight fraud smarter.

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