2025 has been a defining year for XTN Cognitive Security. We expanded our presence across a growing number of global studies on digital fraud and strengthened our positioning in new technological domains and industry sectors. These milestones reflect years of consistent product development, close and deliberate engagement with analysts, and the continuous evolution of our platform. Let’s take a closer look at the year’s most crucial milestones.
The FRAML Shift
This year marked a milestone with our inclusion in Gartner’s Market Guide for Anti-Money Laundering. The emergence of FRAML, an approach combining fraud prevention and AML, enabled XTN to demonstrate our capabilities in this space. Our solution is ready to converge these two worlds, reducing the operational load for teams and enhancing risk detection. Being recognized as a representative vendor confirms that our platform can manage AML processes, integrating AI Aand GenAI to enhance detection, orchestration, and operational efficiency for banks. This leadership is further confirmed by Gartner’s Tool: Fraud Prevention, KYC & AML Use-Case Library for Banking, a practical guide for banks navigating real-world cases, which includes XTN with two highlighted deployments, a cooperative bank and a neobank, and by Datos Insights’ Fraud & AML Fintech Spotlight: Q3 2025, which showcases our unified platform to tackle complex fraud across multiple channels.
Banking and Finance
For the second consecutive year, Gartner’s Market Guide for Fraud Detection in Banking Payments names XTN as a key vendor, confirming our influence in banking fraud prevention. This recognition is reinforced by KuppingerCole’s Leadership Compass on Fraud Reduction Intelligence Platforms – Finance, which highlights our sophisticated use of behavioral analytics, device intelligence, and generative AI for FIs, and by Fincrime Fighters paper by The Banking Scene, which underscores our role as a strategic innovator for banks, fintechs, and digital-first companies navigating an increasingly complex fraud landscape.
Generative AI in Fraud Prevention
In 2025, XTN was also cited in five Gartner Hype Cycles across diverse sectors: Banking, Fraud and Financial Crime, Trade Finance, Government, and Lending. Gartner Hype Cycles are strategic documents that map the maturity, adoption, and expectations of specific technologies or trends, showing which innovations are overhyped, which are growing, and which are ready for widespread adoption. They are visualized as a curve with technologies positioned across five stages of evolution. Across all these contexts, our platform consistently stands out for two elements: Generative AI and Self-Supervised Learning. These technologies form the core of our approach, transforming complex data into actionable insights and enabling financial institutions to scale AI-driven fraud prevention from pilots to fully integrated solutions. Being mentioned across multiple Hype Cycles confirms our credibility and influence, showing that wherever AI is applied to fight fraud and manage risk, XTN is part of the conversation.
Proven Behavioral Intelligence Across Channels
XTN’s position as a global leader is reflected in the SPARK Matrix Behavioral Biometrics & Device Intelligence 2025 by Quadrant Knowledge Solutions, where we rank among the seven top vendors for the second consecutive year. The report highlights our Cognitive Security Platform® for its ability to profile user behavior, detect anomalies, and prevent account takeover, card-not-present (CNP) fraud, buy-now-pay-later (BNPL) fraud, and synthetic identity attacks. By combining behavioral biometrics, device intelligence, and bot detection across multiple channels, XTN enables institutions to protect users and transactions in real-time while maintaining a seamless customer experience.
First-Party Fraud & Emerging Fraud Patterns
First-party fraud, where a client misuses their own identity, is emerging as a critical risk, particularly in the U.S. XTN’s AI-driven platform, combining analytics and behavioral insights, is recognized for detecting these complex patterns across banking, fintech, and digital payments. In the report Mitigating First-Party Fraud: A Guide to Market Solutions by Datos Insights, XTN is cited as a leading solution, confirming that our platform is ready to tackle emerging fraud types from the outset.
Breaking into Cross-Sector Fraud Prevention
Another major highlight of 2025 is XTN’s expansion into new sectors, exemplified by our inclusion as a reference vendor in KuppingerCole’s Leadership Compass on Fraud Reduction Intelligence Platforms – eCommerce. This recognition signals a strong start for 2026, as we continue to deepen our cross-sector focus across gambling, telco, healthcare, insurance, and eCommerce.
Setting the Tone for 2026
A particularly meaningful conclusion to the year was our inclusion in the Italy AI Landscape Spotlight 2025, a report offering a comprehensive overview of the Italian AI ecosystem and emerging technologies, with a focus on innovation, industrial applications, and digital transformation. This recognition highlights how XTN sits at a unique intersection: we are not just a fraud prevention company, we are AI experts, leveraging the most advanced technologies to anticipate threats, protect users, and enhance digital experiences. It underscores that effective fraud prevention today requires the same sophistication and forward-thinking mindset that drives innovation across AI and emerging tech.
Looking ahead to 2026, adopting advanced fraud, AML, and cybersecurity solutions is no longer just about defending against risk, it is a strategic lever for competitiveness and growth, enabling businesses to innovate, gain customer trust, and scale confidently in an increasingly digital world.
2025 has shown that XTN is more than a fraud prevention platform: our AI-driven approach turns risk into insight, enabling businesses to stay secure, stay compliant, and grow with confidence. Looking to 2026, we will continue to push the boundaries of cross-sector fraud prevention, leveraging AI and advanced analytics to help companies anticipate threats, seize opportunities, and thrive in an increasingly complex digital world.
