Moments of Trust

The DECIDE Framework for Fraud Decisioning in Digital Banking

A practitioner's guide for fraud and risk leaders in banking. DECIDE gives leaders a structured way to handle the six moments of trust in onboarding: Define the moment, Establish confidence, Contextualize behavior, Integrate signals, Decide explicitly, and Evolve. The result is a discipline that catches more fraud, reduces friction for genuine customers, and stands up to internal and regulatory scrutiny.

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Format

Paperback

Published

1 January 2026, independently published

For

Fraud, risk and digital banking leaders

The six moments

D · Define the moment

E · Establish confidence

C · Contextualize behavior

I · Integrate signals