By Pragati Awasthi
Publication Date: 2026-05-26 12:43:00
Imagine you are standing at the supermarket checkout. Your shopping cart is full. The line behind you is long. You tap your card. Rejected.
You try again. Rejected.
You didn’t overspend. You didn’t do anything suspicious. But somewhere in your bank’s computer systems, a machine made a decision about you in less time than the blink of an eye—and made a mistake.
What just happened? And why does it keep happening to people who have done nothing wrong?
This is not a rare mistake but something that happens to millions of people every day. And most of us have no idea why it happens or what we can do about it. The answer lies in an AI-based fraud detection system.
As a data science lecturer and former financial services data scientist, I understand how this system works and can explain why it sometimes fails the very customers it is designed to protect. Equally important, I can help you figure out what you need to know and what you can do if you or your…
