Fraud Prevention Is a Latency Game

The report explains why latency is the critical constraint in real-time online fraud prevention, emphasizing a 50–100 ms decision window and advocating layered models, rapid feature retrieval, and consistent sub-millisecond performance to maintain accuracy at scale. It highlights the trade-offs between speed, model depth, and cost; the organizational need for latency SLAs; and how infrastructure optimizations (e.g., reducing data access time) enable deeper analysis and better fraud detection outcomes as adversaries adopt automation and AI.