RBS WorldPay, the US-based payment processing division of the Royal Bank of Scotland Group, has selected GDS Link's flexible decisioning technology for portfolio segmentation, merchant fraud identification and to mitigate pre-mature risk.

According to the GDS Link, DataView360 solution enables RBS WorldPay to efficiently adapt and respond to changing trends in fraud. With DataView360, clients can implement and manage their fraud-based rules for several business functions, including screening for fraudulent transactions or generating knowledge-based questions and answers.

GDS Link said that with DataView360 RBS WorldPay can create and implement multiple risk and fraud thresholds based on several variables. The approach to identifying potential anomalies in merchant fraud activity is expected to improve the customer experience and increase the overall performance of service delivery that RBS WorldPay provides its merchants.

Billi Jo Wright, vice president of transaction risk and collections for RBS WorldPay, said: “With GDS Link’s configurable technology we can tailor the risk management processes that we deploy to our unique needs, meaning that we can further define rules for each vertical within our portfolio. Doing so enables us to reduce losses, react to fraud trends and gain new business as a result.”

Paul Greenwood, president of GDS Link, said: “DataView360 has enabled RBS WorldPay to implement and manage its own custom risk and fraud rules, resulting in more effective fraud mitigation. GDS Link works as the enabling technology for financial institutions to better understand the behavior patterns of the customer lifecycle in various demographics, and then implement and manage the policies that help drive customer behaviors.”