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Small businesses have long treated cash flow management as an afterthought, tallying expenses after the money is gone. Now, financial platforms are folding payments, payroll, credit and lending into one system that can see money moving both ways — and predict where it is headed.

Incognia, a leader in cross-device risk intelligence, has introduced Real-Time Scam Prevention, an AI-powered solution designed to help financial institutions identify and prevent payment scams, including authorized-payment fraud and social-engineering attacks. The solution combines Physical Social Graph intelligence with multiple risk signals to detect suspicious transactions before funds are transferred.