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New enzaGuard Solution Embeds Real-Time Machine Learning to Combat Account Takeover, Bot Attacks, and Payment Scams for Banks and Fintechs.
As digital payments continue their explosive growth across Africa, so too do the sophisticated fraud schemes targeting them.
RELATED: AI-powered fraud to drain $27 billion from eCommerce via digital goods by 2030
In a move to protect financial institutions and their customers, enza, a leading provider of payment technology and financial services infrastructure, has announced a strategic partnership with Fraudio, an AI-powered fraud detection company, to strengthen fraud and financial-crime prevention across the continent.
The partnership integrates Fraudio’s advanced artificial intelligence and machine-learning capabilities directly into enza’s platform. It gives banks, payment companies, and financial institutions access to industry-leading fraud protection. This is delievered through enzaGuard as they develop and launch new payment products and services.
The Rise of Digital Payments—and Digital Fraud
Africa’s payment landscape is undergoing a profound transformation. From mobile money wallets in Kenya to instant bank transfers in Nigeria. From fintech startups in Ghana to established banks in South Africa. Digital payments have become the lifeblood of commerce. Yet this growth has attracted the attention of fraudsters who are increasingly sophisticated, organised, and relentless.
Account takeover attacks, bot networks, money mule schemes, and authorised push payment scams are no longer distant threats. They are now daily realities for financial institutions across the continent. The need for intelligent, real-time fraud detection has never been more urgent.
enzaGuard: AI-Powered Protection Built Into the Platform
At the centre of the partnership is enzaGuard, powered by Fraudio’s fraud intelligence and machine-learning technology. Fully integrated into the enza platform, enzaGuard provides a cloud-native, real-time fraud detection layer that can ingest signals across issuing, acquiring, transfers, wallets, and ATM activity.
The solution analyses transaction patterns, enriched attributes, peer-group behaviour, and transaction sequences to generate risk scores in milliseconds—scores that can be integrated seamlessly into existing authorisation, 3DS, and review workflows.
This pre-integration means enza customers can benefit from sophisticated fraud protection quickly and easily, without the complexity of sourcing, integrating, and managing a separate fraud solution. As customers roll out new products and services that enable consumers to make payments and businesses to accept them, enzaGuard provides protection built into the proposition from the outset.
Addressing Emerging Threats with Intelligent Technology
The solution is designed to address a wide spectrum of emerging threats, including account takeover, bot attacks, mule networks, and authorised push payment scams.
By improving detection capabilities, enzaGuard reduces false positives and minimises unnecessary friction for legitimate customers—a critical factor in maintaining a smooth user experience.
Beyond traditional fraud detection, enzaGuard also supports merchant-initiated fraud, mule detection, and suspicious movement of funds. This is helping organisations strengthen fraud and broader financial-crime controls through a single AI layer.
Executive Voices: A Shared Vision for Safer Payments
Hany Fekry, Chief Executive Officer of enza, emphasised the urgency of the partnership in the context of Africa’s rapidly evolving digital payments landscape.
Hany Fekry
“Fraud is evolving rapidly as digital payments scale across Africa. By integrating Fraudio’s AI capabilities directly into enzaGuard, we can give our customers sophisticated protection as part of the enza platform—quickly, easily, and without compromising the payment experience,” Fekry said.
Adding:
“It is another way we help our customers create richer, more compelling payment propositions backed by the capabilities they need to grow with confidence.”
João Moura, Founder and CEO of Fraudio, echoed this sentiment, highlighting the partnership’s role in transforming how fraud detection is delivered.
João Moura
“Our mission is to fight fraud smarter by decomplexifying and disrupting the fraud detection industry,” Moura said.
Adding:
“Working with enza allows our AI-powered technology to be embedded directly into the payment experience, helping financial institutions across Africa respond to increasingly sophisticated fraud challenges.”
Why This Matters: Trust as the Foundation of Digital Growth
For African financial institutions, the stakes could not be higher. Consumer trust is the currency of the digital economy, and fraud erodes that trust with every successful attack.
By embedding AI-powered fraud detection directly into the payment infrastructure, enza and Fraudio are not just providing a product—they are building the conditions for sustainable growth.
The partnership reflects a shared commitment to making digital payments safer, more trusted, and more resilient across Africa.
For enza customers, it represents another valuable capability to support innovation, growth, and customer trust—a foundation upon which the next generation of African fintech can be built.
The Road Ahead
As Africa’s digital economy continues to expand, the battle against fraud will intensify. Fraudsters will adopt new technologies, exploit new vulnerabilities, and target new markets.
But with partnerships like this one, financial institutions are gaining the tools they need to stay ahead.
enzaGuard represents more than a technological solution—it is a statement of intent. In a continent where digital payments are transforming lives and livelihoods, protecting those payments is not just a business imperative. It is a responsibility.
