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In this episode of Tech Talks Daily, I have a conversation with Cleber Martins, Head of Payments Intelligence & Risk Solutions at ACI Worldwide, about the increasing challenges of fraud prevention as real-time payments become more widespread. With payments now happening instantly, the window for detecting fraud is shrinking, and financial institutions need new methods to stay ahead. Cleber explains how fraudsters are using advanced AI techniques to exploit these fast transactions, employing everything from voice mimicry to sophisticated social engineering attacks that trick consumers into initiating transactions. Cleber also highlights how financial institutions are using AI to fight back. From tracking behavioral biometrics to analyzing patterns in real time, banks are employing cutting-edge AI tools to detect fraud at the very moment it occurs. However, this shift isn't without its challenges. Cleber discusses the difficulties financial institutions face, such as the high costs of implementing AI syste