Just like building your own house instead of purchasing one, building your own core banking system can bring along a host of surprises, not all of them good. Here’s why even the most digitally mature teams choose to buy instead of build.
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As fraud losses exceed Rp9 trillion, Indonesian financial institutions are discovering that AI-powered fraud detection systems not only reduce losses by up to 60% but also strengthen customer confidence in digital banking platforms.
Mayapada Group fintech company adopts Oradian’s modern core banking and loan management system to power MSME lending expansion, enhance business intelligence and lay the foundations for AI.
The Bangko Sentral ng Pilipinas (BSP) has made artificial intelligence governance a cornerstone of its regulatory framework. For Philippine financial institutions navigating this evolving landscape, understanding these guidelines isn't optional, it's foundational to remaining compliant and competitive.
Fraud in emerging markets just changed. Rule-based fraud detection systems are obsolete. Here's why: more than 50% of fraud now involves AI, but most detection systems can't adapt faster than fraudsters iterate.
The good news is that institutions using AI fraud detection can achieve 90-99% accuracy. But only if they solve data infrastructure first.
This playbook covers everything from deepfake-enabled account opening to fraud-as-a-service marketplaces. But the centrepiece is this: the same institutions that detect fraud in real-time are the ones whose cores process transactions as events, expose customer data through APIs, and let teams investigate without a vendor ticket.
Your fraud tools are only as good as your data layer. This guide shows you how to build it.
In the Philippines, a bad digital banking experience is not a private matter, and in 2026, fraud is the experience that costs you the most.
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