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PostFinance uses FICO Falcon

Switzerland’s PostFinance selects FICO’s AI platform, Falcon ( to protect nearly 3 million debit cards and manage suspicious behaviour on customers’ accounts, including activity that may be the result of scams which have been ever increasing across Europe during the pandemic.

An estimated one-third of debit card transactions in Switzerland are made using PostFinance debit cards. PostFinance has also recently partnered with MasterCard to cobrand its debit cards, which can be used as MasterCard cards both internationally and domestically.

“Our goal is to be the leading digital bank in Switzerland,” explains Christoph Stettler, senior security officer at PostFinance.  “Trust is critical as we strive to give customers the best banking experience.  This is why we selected the FICO Falcon Platform, which is known worldwide as the gold standard in payments fraud protection.  Security is our main goal, but we also will ensure more frictionless transactions.”

“Debit cards in many countries lack the strong level of protection that credit cards have long had,” says Steve Hadaway, Vice President and General Manager of FICO in Europe, the Middle East and Africa.  “With the FICO Falcon Platform, PostFinance customers will enjoy the strongest protection possible, powered by more than 120 patents in the area of artificial intelligence for fraud detection.”

The FICO® Falcon® Platform is designed to adapt fraud defences in real time, across all channels and payment types, with each transaction.  Around two-thirds of the world’s card accounts are protected by the Falcon Platform, and more than 2.6 billion global payment accounts are in the FICO® Falcon® Intelligence Network.  FICO was named the Category Leader for enterprise fraud solutions in the 2021 Chartis Enterprise Fraud Report. 
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