Finnish S-Bank taps Worldline’s fraud management suite amid rise of online fraud

Rick Steves

“The successful integration of the Fraud Management Suite at S-Bank, a major player in the Finnish market, underlines our increasing footprint in the Nordic region.”

Finnish bank S-Bank, locally known as S-Pankki, has deployed Worldline’s Fraud Management Suite into its issuing platform for extensive real-time fraud detection for debit and credit cards whilst increasing the efficiency of its card fraud and risk management.

S-Bank caters to 3.1 million customers in Finland and is taking measures to develop new services and reshape the banking industry by offering superior ease and benefits.

Online fraud now represents 94% of overall fraud

Worldline’s Fraud Management Suite will enable the bank to react to payments fraud in real time at a time where online fraud now represents 94% of overall fraud, with counterfeit fraud and face-to-face interactions decreasing.

Online fraud is forcing financial institutions to take innovative action to detect and respond to fraud in real-time and Worldline’s fraud detection and reaction platform will help S-Bank tackle fraudulent payments before they are even processed.

The solution, also known by its acronym FRAMS, covers all aspects of card fraud detection and prevention, incorporating artificial intelligence and rules modelling management, investigations, and fraud case handling.

Three tools developed by Worldline and adapted to S-Bank processing have been implemented:

  • Worldline Pay Online Watcher: a real-time rules engine for front-office authorization declines.
  • Extended Watcher: providing artificial intelligence and big data analysis including clearing and confirmed fraud cases, as well as for sending card blocking instructions to the back-office.
  • Fraud Case Management tool: for case handling, investigations and call centre for cardholder interactions.

Wordline increases footprint in the Nordic region

Marketta Lundell, Head of Cards at S-Bank: “During the implementation process, we found common working methods and are pleased with the current co-operation with Worldline. We recognize that by implementing this Worldline FRAMS solution on top of our existing platform, we’re benefiting from the expertise and software that was developed in-house by Worldline, that is also used by financial institutions across the entire continent.”

Michael Steinbach, Managing Director of Financial Services business at Worldline: “The successful integration of the Fraud Management Suite at S-Bank, a major player in the Finnish market, underlines our increasing footprint in the Nordic region. With our solution, S-Bank can scale up without hesitation, at any given time. We’re proud to welcome them as one of our partners in Finland, and this partnership demonstrates an amazing possibility for growth.”

Read this next


BlockDAG’s Impressive 30,000x ROI Potential and Moon-Based Keynote Captivate Solana And Bitcoin Cash Crypto Investors

Discover BlockDAG’s impressive moon keynote launch and its promise of a 30,000x ROI that is drawing investors from Solana and Bitcoin Cash.

Market News

This is it, the USD Strength has Come to an End

In the aftermath of Israel’s retaliatory strikes in Iran, the currency markets have entered a phase of heightened volatility, reflecting the intricate interplay between geopolitical tensions and economic fundamentals.


BlockDAG Leads DeFi Innovation with $19M Presale, Overshadowing Cardano and Binance Coin With 30,000x ROI and DAG Structure

Learn about BlockDAG’s growth in its presale, surpassing $19M, and its impact on the DeFi landscape, overshadowing movements in Cardano and Binance Coin (BNB).


BlockDAG Offering a Fresh Take on Meme Coin Development Amid Solana’s Challenges and Floki Inu’s Price Fluctuations With 30,000x ROI

Dive into how BlockDAG’s innovative presale, low-code platforms, and potential 30,000x ROI, outperform Solana’s technical hurdles and Floki Inu’s market predictions.


BlockDAG Excels With $2.2M In Miner Sales And Moonshot Teaser, Overshadowing Litecoin’s Rally And Dogwifhat’s Market Highs

Explore how BlockDAG’s $2 million Miner Sales & Moonshot Teaser eclipse the Litecoin price recovery and the Dogwifhat all-time high.


BlockDAG Leads Top 6 Cryptocurrencies to Buy in 2024 with a Potential Price Surge to $10 Leaving Cosmos, BNB, and Ethereum Behind

Discover the top six cryptocurrencies in 2024, including BDAG’s remarkable growth potential, BNB’s durability, Cosmos’ connectivity, and ETH’s eco-friendly advances.

Retail FX

Weekly Roundup: Prop firm arbitrarily accounts, Interactive Brokers’ CFDs in Japan

FX, Fintech and cryptocurrency markets have been bustling with activity over the past week, as is often the case. Keep yourself informed and ahead of the curve with a curated selection of crucial stories and developments that are most relevant to those engaged in the markets.


BlockDAG Redefines Crypto Mining as Presale Tops $18.5M, Outshining Ethereum ETF & Dogecoin Dynamics

The recent approval of the first Ethereum ETF in Hong Kong underscores a significant advancement in the cryptocurrency’s mainstream acceptance. While Ethereum continues to attract institutional attention, the Dogecoin price prediction suggests a possible resurgence, despite its current undervaluation from past highs.

Digital Assets

Bitcoin halving is done: ViaBTC mines historic block 840K

The Bitcoin network has confirmed its fourth-ever halving block, mined by the cryptocurrency pool ViaBTC, according to data from This significant event in the Bitcoin ecosystem reduced the mining reward by half, a deflationary measure occurring approximately every four years to control the issuance of new bitcoins and curb inflation.