David DeCorte, Content Manager at Chargebacks911, recently authored a guest article for Fleximize entitled AI-Enabled Fraud Detection: 2026 Merchant’s Guide, in which he explains how artificial intelligence is evolving in its role to help merchants detect and prevent fraud.
Fleximize is a UK-based business finance platform that supports SMEs with flexible funding. They also maintain a Knowledge Hub of articles offering practical insights on technology, strategy and business growth. Their content is widely used by business owners, retail and eCommerce managers, and technology professionals navigating fast-moving industry dynamics.
“The ‘killer app’ here is machine learning. Once the AI understands how ‘normal’ buyers behave, it can watch for unusual buyer behavior,” the article explains. “The tool will then try to identify any transaction that deviates from the norm. One can configure the system to block those transactions. Or, to flag and forward them to human fraud analysts for manual review.”
The pieceoutlines how AI-powered systems can flag unusual behaviours, reduce false positives, and learn over time, enabling merchants to move beyond static rule-based fraud filters. It also highlights that, while AI offers powerful advantages, it brings its own challenges, such as data integrity issues, costs of integration, and the need for human oversight.
“AI is far more than a whimsical, consumer-facing generative toolkit. For merchants, machine learning techniques represent a proven method for anomaly detection. It can help fraud analysts check more transactions. It can enable merchants to make split-second decisions, all while improving over time. That's only when deployed correctly, though.”
