Cards & Payment Intelligence on Databricks
Overview
zeb’s Cards & Payment Intelligence solution, powered by the Databricks Data Intelligence Platform, delivers a real-time, governed foundation for fraud prevention, dynamic authorization, and personalized card experiences. The solution unifies authorization and transaction data from card networks, POS systems, digital wallets, and fraud tools into a single Lakehouse architecture.
By enriching transactions with merchant profiles, cardholder context, and historical spend patterns, banks and networks gain the ability to score risk, adjust limits, and make authorization decisions in sub-millisecond time. Databricks SQL provides standardized dashboards, MLflow and Model Serving support real-time ML deployment, and Databricks AI/Genie enables conversational fraud analysis with full governance.
Key Offerings
Real-Time Fraud Scoring
Scores every transaction during authorization using historical cardholder behavior, merchant reputation, geographic context, and MCC patterns.
Dynamic Authorization & Personalized Limits
Adjusts limits and authorization friction based on live spend patterns and trusted merchant history.
Merchant Risk Intelligence
Delivers granular merchant risk profiles across acquirers, MCCs, and individual merchants.
Conversational Fraud Investigation
Enables natural-language exploration of fraud patterns using Databricks AI/Genie and Vector Search.
Deliverables
Pre-configured Streaming Ingestion Framework
Ready-to-deploy pipelines ingesting real-time authorization and transaction data into Bronze Delta tables.
Governed Silver & Gold Data Models
Cleaned, deduplicated, and enriched transaction, merchant, and cardholder models via Delta Live Tables and Unity Catalog.
Real-Time ML Models
MLflow-managed models deployed with Databricks Model Serving for sub-millisecond scoring.
Merchant Risk & Portfolio Dashboards
Databricks SQL dashboards for merchant risk, fraud trends, and authorization performance.
GenAI Investigation Interfaces
AI/Genie and Vector Search interfaces for conversational analysis.
Governance & Secure Access Control
Unity Catalog-driven lineage, access control, and auditability.
Documentation & Enablement
Implementation guides and operational runbooks.
Differentiator
1. Real-Time Intelligence Embedded in Authorization: Predictive fraud scoring and dynamic limits are executed directly within the live authorization flow with sub-millisecond latency, enabling instant, data-driven decisions rather than post-transaction analysis.
2. Unified Payments Data Foundation: Consolidates authorization, transaction, merchant, and cardholder data into a single Lakehouse instead of fragmented fraud, risk, and analytics systems.
3. Personalization Linked to Risk Controls: Uses the same governed feature set to support frictionless experiences for trusted transactions and precise controls for suspicious patterns.
4. Enterprise-Ready Cards & Payments Architecture: Designed for scale using Databricks-native services that support millions of daily authorizations and real-time ML scoring.
5. Conversational Fraud Insights with Built-In Governance: Databricks AI/Genie enables natural-language exploration of fraud and merchant risk patterns while maintaining lineage, access controls, and auditability.
6. Proven Databricks Expertise: Built and delivered by zeb’s Databricks-certified specialists with deep experience in real-time cards and payment intelligence platforms.