Q2 Holdings has introduced new AI-powered capabilities designed to help financial institutions detect and prevent account takeover fraud in real time, reflecting a broader shift toward continuous, end-to-end security across digital banking environments. The company’s latest enhancements—User Activity Monitoring (UAM) and Restricted Entitlements Mode (REM) are built to work seamlessly within its existing fraud portfolio, offering a more coordinated approach to identifying and responding to threats as they unfold.
As account takeover attacks grow more complex, often spanning login activity, session behavior, account changes, and transactions, traditional point-in-time security measures are proving insufficient. Q2’s approach addresses this gap by analyzing behavioral signals and risk indicators continuously throughout the user journey, enabling earlier detection and faster intervention.
“Fraud no longer happens at a single point; it unfolds across the entire digital session,” said Q2 Managing Director, Fraud Intelligence Jeff Scott. “With this continuous approach to account takeover protection, we’re embedding intelligence directly into digital banking session workflows to help institutions shift from reactive detection to taking immediate, dynamic action before fraud occurs. Threats get stopped earlier, reducing both fraud losses and operational burden.”
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The User Activity Monitoring feature makes use of AI-driven behavior analysis to detect suspicious activity during active sessions, whereas the Restricted Entitlements Mode ensures enforcement in real time by restricting access or permissions based on detected risk. These features combined with existing features like Q2 Patrol and Q2 Sentinel constitute a complete solution that brings together detection, evaluation, and enforcement.
Initial findings are encouraging. Banks that have used the product to detect risk have seen significant improvement in the detection of risks that had gone unnoticed before. Industry experts highlight the ability of real-time detection coupled with real-time enforcement as a solution to one of the biggest problems that has faced financial institutions: the lag time from detection to mitigation.