Fraud Intelligence Radar

01 Overview

02 Spending

03 Channels

04 Events

05 Intelligence

06 Awareness

01 —

Fraud Intelligence Overview

Active

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Global Risk Index

Elevated

6.8

Risk Score / 10

↑ +1.2 vs last month

⚡ Intelligence

Risk elevated ahead of White Friday. E-commerce and CNP channels require immediate heightened monitoring.

POS Spending

SAMA

+18%

Month-over-Month

↑ SAR 4.2Bn increase vs Sep

📊 Implication

POS up 18%. Ensure card-present fraud rules are active and anomaly thresholds are calibrated.

E-Commerce Spend

Critical

+31%

Month-over-Month

↑ White Friday surge incoming

🚨 Action Required

CNP fraud risk critical. Strengthen 3DS authentication and monitor new merchant activity immediately.

Top Active Vector

Critical

OTP
SCAM

Primary Fraud Vector

🛑 Alert

OTP social engineering calls spiking. Customers coerced to share codes. Awareness push urgent.

Active Intelligence Alerts

5 Active

Spending vs Risk Index — 6 Months

Trend

02 —

Consumer Spending Intelligence

SAMA Data

POS Spending Trend (SAR Bn)

Monthly

📊 Intel

POS volume surged 18% MoM. Retail and grocery leading. Stress-test card-present rules.

E-Commerce Spending (SAR Bn)

Surge

🚨 Risk

31% spike driven by White Friday pre-shopping. Tighten CNP velocity rules now.

Digital Wallets vs ATM (SAR Bn)

Shift

💡 Shift

Mada Pay / Apple Pay up 24%. ATM down 8%. Monitor wallet enrollment fraud.

Sector Distribution Q4 2025

Breakdown

Weekly Spending Changes — Oct / Nov 2025

W-o-W

03 —

Channel Risk Monitoring

Heatmap

Channel Risk Heatmap

Real-Time

Fraud Cases by Channel

Last 30 Days

Channel Intelligence — Actionable Insights

Recommended Actions

04 —

Event Impact Radar

Forward-Looking

Fraud Impact Calendar — Q4 2025 → Q1 2026

Forecast

Event Fraud Risk vs Spending Impact

Radar

📅 Seasonal

White Friday and Ramadan drive highest annual fraud spikes. Begin control adjustments 2 weeks prior.

05 —

Fraud Intelligence Feed

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