Mastercard's Decision Intelligence Pro — its transformer-based fraud detection model — blocked $2 billion in confirmed fraudulent transactions in Q1 2026, a 300% improvement over the same period last year. Simultaneously, false decline rates fell 28%, meaning legitimate transactions were approved more often.
The model evaluates 1 trillion data points across the Mastercard network in real time, scoring each transaction in under 50 milliseconds. It considers not just the transaction itself but the full behavioral context: device fingerprints, merchant patterns, geolocation velocity, and intra-network relationship graphs.