{"id":130360,"date":"2026-07-13T17:05:16","date_gmt":"2026-07-13T15:05:16","guid":{"rendered":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/"},"modified":"2026-07-13T17:05:16","modified_gmt":"2026-07-13T15:05:16","slug":"ai-lowers-barrier-sophisticated-fraud-solverde-igaming","status":"publish","type":"post","link":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/","title":{"rendered":"AI Lowers Barrier to Sophisticated Fraud, Solverde Manager Warns"},"content":{"rendered":"<p>AI Has Lowered the Barrier to Sophisticated Fraud \u2013 Solverde Fraud Manager Highlights Compliance and Onboarding Challenges for Gaming Operators<\/p>\n\n<span class=\"anchor\" id=\"key-takeaways\" title=\"Key Takeaways\"><\/span><h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n<ul class=\"wp-block-list\"><li>AI has significantly lowered the barrier to sophisticated fraud, according to Solverde.pt Fraud and Risk Manager M\u00e1rio Cardoso.<\/li><li>Operators are expected to prepare for stronger continuous monitoring, sanctions screening, and auditability under the upcoming EU AML package.<\/li><li>Biometric technologies such as liveness detection and facial recognition are becoming key tools in preventing account takeover and synthetic identity fraud.<\/li><li>Automated risk scoring systems combine multiple signals to reduce false positives while improving fraud detection.<\/li><\/ul>\n\n<span class=\"anchor\" id=\"ai-expands-both-fraud-prevention-and-fraud-capabilities\" title=\"AI Expands Both Fraud Prevention and Fraud Capabilities\"><\/span><h2 class=\"wp-block-heading\">AI Expands Both Fraud Prevention and Fraud Capabilities<\/h2>\n\n<p>Artificial intelligence is reshaping identity verification and fraud detection in the online gaming sector. According to M\u00e1rio Cardoso, Fraud and Risk Manager at Solverde.pt, AI has fundamentally changed both how operators detect fraud and how criminals attempt to bypass controls.<\/p>\n\n<p>On the operator side, AI supports document analysis, behavioural modelling, automated decision making, and large scale fraud detection. These tools allow companies to process identity checks and monitor activity at a scale that was not possible a few years ago.<\/p>\n\n<p>At the same time, fraudsters are using the same technology. Cardoso points to AI generated identity documents, increasingly realistic deepfakes, automated account creation, and more sophisticated synthetic identities. As a result, fraud prevention has become what he describes as a constant technological arms race.<\/p>\n\n<p>For operators in regulated markets, the challenge is not only deploying AI systems but ensuring that they remain explainable, properly governed, and continuously monitored. In highly regulated environments, decisions must be auditable and supported by human oversight.<\/p>\n\n<span class=\"anchor\" id=\"risk-based-kyc-as-a-balance-between-compliance-and-user-experience\" title=\"Risk Based KYC as a Balance Between Compliance and User Experience\"><\/span><h2 class=\"wp-block-heading\">Risk Based KYC as a Balance Between Compliance and User Experience<\/h2>\n\n<p>Cardoso rejects the idea that strict compliance and smooth onboarding are conflicting objectives. He argues that both can coexist when operators apply a genuine risk based approach to know your customer procedures.<\/p>\n\n<p>Instead of treating every player as high risk, operators should allow most legitimate users to complete registration within seconds using automated document verification, biometric liveness checks, and trusted data sources. Additional controls should only be introduced when specific risk indicators appear.<\/p>\n\n<p>Examples of such indicators include inconsistencies in identity data, high risk jurisdictions, unusual payment behaviour, or device anomalies. These factors should trigger enhanced due diligence rather than applying the same level of friction to all customers.<\/p>\n\n<p>According to Cardoso, success in compliance is not measured by the number of documents collected, but by how accurately risk is identified while legitimate customers can access services without unnecessary delays.<\/p>\n\n<span class=\"anchor\" id=\"eu-aml-reform-increases-focus-on-monitoring-and-governance\" title=\"EU AML Reform Increases Focus on Monitoring and Governance\"><\/span><h2 class=\"wp-block-heading\">EU AML Reform Increases Focus on Monitoring and Governance<\/h2>\n\n<p>Looking ahead, Cardoso highlights the upcoming EU anti money laundering package and the creation of a new Anti Money Laundering Authority as key developments for EU based operators.<\/p>\n\n<p>Many companies currently operate across multiple jurisdictions with differing KYC standards, reporting obligations, and due diligence requirements. Greater harmonisation may simplify compliance in the long term, but the transition phase will require significant investment in technology, governance, and operational processes.<\/p>\n\n<p>He expects regulators to place stronger emphasis on continuous customer monitoring rather than one off verification. Operators should also prepare for stronger sanctions and politically exposed person screening, improved documentation of risk based decisions, enhanced auditability of automated systems, and higher standards for data quality and record keeping.<\/p>\n\n<p>Compliance assessments are likely to focus not only on whether controls exist, but whether operators can demonstrate that these controls are effective and proportionate.<\/p>\n\n<span class=\"anchor\" id=\"biometrics-and-multi-signal-detection-in-fraud-prevention\" title=\"Biometrics and Multi Signal Detection in Fraud Prevention\"><\/span><h2 class=\"wp-block-heading\">Biometrics and Multi Signal Detection in Fraud Prevention<\/h2>\n\n<p>Biometric technologies are becoming central components in fraud prevention strategies. Traditional document verification confirms whether a document appears genuine. Biometric liveness checks confirm that the person presenting the document is physically present and not using a photograph, video replay, or AI generated deepfake.<\/p>\n\n<p>Cardoso identifies biometric tools as particularly valuable in preventing synthetic identity fraud, account opening using stolen documents, account takeover, and identity sharing between individuals.<\/p>\n\n<p>However, he stresses that biometrics are not a standalone solution. Their value increases when combined with device intelligence, behavioural analytics, transaction monitoring, and continuous risk assessment. Modern fraud prevention relies on multiple independent signals rather than a single technology.<\/p>\n\n<p>Automated risk scoring systems allow operators to combine hundreds of data points, including identity verification results, payment behaviour, device reputation, gameplay patterns, geolocation, transaction history, and previous investigations. Instead of fixed rules, these systems generate dynamic risk scores that evolve throughout the customer lifecycle.<\/p>\n\n<p>The objective is not to detect every anomaly, but to identify meaningful combinations of signals that indicate elevated risk. This approach helps reduce false positives, which can increase operational costs and negatively affect user experience, while still limiting fraud losses.<\/p>\n\n<span class=\"anchor\" id=\"onboarding-speed-as-a-competitive-factor-against-the-black-market\" title=\"Onboarding Speed as a Competitive Factor Against the Black Market\"><\/span><h2 class=\"wp-block-heading\">Onboarding Speed as a Competitive Factor Against the Black Market<\/h2>\n\n<p>Cardoso also links fraud prevention and onboarding efficiency to market competition. He notes that unlicensed platforms often offer fast registration with minimal verification, allowing players to begin gambling immediately.<\/p>\n\n<p>Licensed operators cannot reduce compliance standards to compete. Instead, they must rely on technology to complete identity verification in under a minute while maintaining robust fraud controls. In this context, effective onboarding becomes both a compliance requirement and a competitive advantage for the regulated sector.<\/p>\n\n<p>He adds that fraud is no longer an individual operator issue but an ecosystem challenge. Criminal networks share knowledge, technology evolves globally, and regulation continues to change. He highlights the importance of collaboration between operators, suppliers, regulators, and law enforcement, as well as industry events where stakeholders exchange experiences and establish common standards.<\/p>\n\n<span class=\"anchor\" id=\"our-assessment\" title=\"Our Assessment\"><\/span><h2 class=\"wp-block-heading\">Our Assessment<\/h2>\n\n<p>The statements from Solverde.pt\u2019s Fraud and Risk Manager underline how AI is simultaneously strengthening and challenging fraud controls in regulated gaming. Operators face increasing expectations around continuous monitoring, governance, and auditability, particularly in light of upcoming EU AML reforms. At the same time, rapid and low friction onboarding is positioned as essential for maintaining competitiveness against unlicensed platforms. The combination of biometric verification, automated risk scoring, and multi signal monitoring emerges as a central framework for balancing regulatory compliance, fraud prevention, and user experience.<\/p>\n\n<div class=\"gambling-disclaimer\">\n\t<p>\n\t\tWe have imposed strict editorial guidelines on ourselves and explain our testing methods openly and comprehensively. We also communicate transparently how our work is financed. This site may contain tracking links, but this does not influence our objective view in any way.\t<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Solverde.pt Fraud and Risk Manager M\u00e1rio Cardoso says AI has lowered the barrier to sophisticated fraud and calls for risk based KYC and continuous monitoring. He highlights EU AML reforms and biometric tools as key compliance factors.<\/p>\n","protected":false},"author":8,"featured_media":130359,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"news_crypto_coin":[],"class_list":["post-130360","post","type-post","status-publish","format-standard","has-post-thumbnail"],"acf":{"faqs":null,"sort_number":999,"sort_number_no_override":false},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v27.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>AI and Fraud in iGaming - Solverde Insights<\/title>\n<meta name=\"description\" content=\"Solverde.pt fraud manager says AI lowers barriers to sophisticated fraud and urges risk based KYC, biometric checks, and continuous monitoring under EU AML reform.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kryptocasinos.com EN\" \/>\n<meta property=\"og:description\" content=\"Solverde.pt fraud manager says AI lowers barriers to sophisticated fraud and urges risk based KYC, biometric checks, and continuous monitoring under EU AML reform.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\" \/>\n<meta property=\"og:site_name\" content=\"Kryptocasinos.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kryptocasinoscomm\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-13T15:05:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1408\" \/>\n\t<meta property=\"og:image:height\" content=\"736\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Isabella Brown\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Isabella Brown\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\"},\"author\":{\"name\":\"Isabella Brown\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#\/schema\/person\/badee6a5ed8b6777da5bd380d112bcdc\"},\"headline\":\"AI Lowers Barrier to Sophisticated Fraud, Solverde Manager Warns\",\"datePublished\":\"2026-07-13T17:05:16+02:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\"},\"wordCount\":1000,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#respond\"]}],\"description\":\"\",\"isAccessibleForFree\":true,\"articleBody\":\"AI Has Lowered the Barrier to Sophisticated Fraud - Solverde Fraud Manager Highlights Compliance and Onboarding Challenges for Gaming Operators\\n\\nKey Takeaways\\n\\nAI has significantly lowered the barrier to sophisticated fraud, according to Solverde.pt Fraud and Risk Manager M\u00e1rio Cardoso.Operators are expected to prepare for stronger continuous monitoring, sanctions screening, and auditability under the upcoming EU AML package.Biometric technologies such as liveness detection and facial recognition are becoming key tools in preventing account takeover and synthetic identity fraud.Automated risk scoring systems combine multiple signals to reduce false positives while improving fraud detection.\\n\\nAI Expands Both Fraud Prevention and Fraud Capabilities\\n\\nArtificial intelligence is reshaping identity verification and fraud detection in the online gaming sector. According to M\u00e1rio Cardoso, Fraud and Risk Manager at Solverde.pt, AI has fundamentally changed both how operators detect fraud and how criminals attempt to bypass controls.\\n\\nOn the operator side, AI supports document analysis, behavioural modelling, automated decision making, and large scale fraud detection. These tools allow companies to process identity checks and monitor activity at a scale that was not possible a few years ago.\\n\\nAt the same time, fraudsters are using the same technology. Cardoso points to AI generated identity documents, increasingly realistic deepfakes, automated account creation, and more sophisticated synthetic identities. As a result, fraud prevention has become what he describes as a constant technological arms race.\\n\\nFor operators in regulated markets, the challenge is not only deploying AI systems but ensuring that they remain explainable, properly governed, and continuously monitored. In highly regulated environments, decisions must be auditable and supported by human oversight.\\n\\nRisk Based KYC as a Balance Between Compliance and User Experience\\n\\nCardoso rejects the idea that strict compliance and smooth onboarding are conflicting objectives. He argues that both can coexist when operators apply a genuine risk based approach to know your customer procedures.\\n\\nInstead of treating every player as high risk, operators should allow most legitimate users to complete registration within seconds using automated document verification, biometric liveness checks, and trusted data sources. Additional controls should only be introduced when specific risk indicators appear.\\n\\nExamples of such indicators include inconsistencies in identity data, high risk jurisdictions, unusual payment behaviour, or device anomalies. These factors should trigger enhanced due diligence rather than applying the same level of friction to all customers.\\n\\nAccording to Cardoso, success in compliance is not measured by the number of documents collected, but by how accurately risk is identified while legitimate customers can access services without unnecessary delays.\\n\\nEU AML Reform Increases Focus on Monitoring and Governance\\n\\nLooking ahead, Cardoso highlights the upcoming EU anti money laundering package and the creation of a new Anti Money Laundering Authority as key developments for EU based operators.\\n\\nMany companies currently operate across multiple jurisdictions with differing KYC standards, reporting obligations, and due diligence requirements. Greater harmonisation may simplify compliance in the long term, but the transition phase will require significant investment in technology, governance, and operational processes.\\n\\nHe expects regulators to place stronger emphasis on continuous customer monitoring rather than one off verification. Operators should also prepare for stronger sanctions and politically exposed person screening, improved documentation of risk based decisions, enhanced auditability of automated systems, and higher standards for data quality and record keeping.\\n\\nCompliance assessments are likely to focus not only on whether controls exist, but whether operators can demonstrate that these controls are effective and proportionate.\\n\\nBiometrics and Multi Signal Detection in Fraud Prevention\\n\\nBiometric technologies are becoming central components in fraud prevention strategies. Traditional document verification confirms whether a document appears genuine. Biometric liveness checks confirm that the person presenting the document is physically present and not using a photograph, video replay, or AI generated deepfake.\\n\\nCardoso identifies biometric tools as particularly valuable in preventing synthetic identity fraud, account opening using stolen documents, account takeover, and identity sharing between individuals.\\n\\nHowever, he stresses that biometrics are not a standalone solution. Their value increases when combined with device intelligence, behavioural analytics, transaction monitoring, and continuous risk assessment. Modern fraud prevention relies on multiple independent signals rather than a single technology.\\n\\nAutomated risk scoring systems allow operators to combine hundreds of data points, including identity verification results, payment behaviour, device reputation, gameplay patterns, geolocation, transaction history, and previous investigations. Instead of fixed rules, these systems generate dynamic risk scores that evolve throughout the customer lifecycle.\\n\\nThe objective is not to detect every anomaly, but to identify meaningful combinations of signals that indicate elevated risk. This approach helps reduce false positives, which can increase operational costs and negatively affect user experience, while still limiting fraud losses.\\n\\nOnboarding Speed as a Competitive Factor Against the Black Market\\n\\nCardoso also links fraud prevention and onboarding efficiency to market competition. He notes that unlicensed platforms often offer fast registration with minimal verification, allowing players to begin gambling immediately.\\n\\nLicensed operators cannot reduce compliance standards to compete. Instead, they must rely on technology to complete identity verification in under a minute while maintaining robust fraud controls. In this context, effective onboarding becomes both a compliance requirement and a competitive advantage for the regulated sector.\\n\\nHe adds that fraud is no longer an individual operator issue but an ecosystem challenge. Criminal networks share knowledge, technology evolves globally, and regulation continues to change. He highlights the importance of collaboration between operators, suppliers, regulators, and law enforcement, as well as industry events where stakeholders exchange experiences and establish common standards.\\n\\nOur Assessment\\n\\nThe statements from Solverde.pt\u2019s Fraud and Risk Manager underline how AI is simultaneously strengthening and challenging fraud controls in regulated gaming. Operators face increasing expectations around continuous monitoring, governance, and auditability, particularly in light of upcoming EU AML reforms. At the same time, rapid and low friction onboarding is positioned as essential for maintaining competitiveness against unlicensed platforms. The combination of biometric verification, automated risk scoring, and multi signal monitoring emerges as a central framework for balancing regulatory compliance, fraud prevention, and user experience.\\n\\n\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\",\"url\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\",\"name\":\"AI and Fraud in iGaming - Solverde Insights\",\"isPartOf\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg\",\"datePublished\":\"2026-07-13T17:05:16+02:00\",\"description\":\"Solverde.pt fraud manager says AI lowers barriers to sophisticated fraud and urges risk based KYC, biometric checks, and continuous monitoring under EU AML reform.\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage\",\"url\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg\",\"contentUrl\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg\",\"width\":1408,\"height\":736,\"caption\":\"Circuit-pattern shield beside an ID card with fingerprint checkmark and a server stack under a magnifying glass.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.kryptocasinos.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AI Lowers Barrier to Sophisticated Fraud, Solverde Manager Warns\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#website\",\"url\":\"https:\/\/www.kryptocasinos.com\/en\/\",\"name\":\"Kryptocasinos.com\",\"description\":\"\",\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#organization\",\"name\":\"Kryptocasinos.com\",\"url\":\"https:\/\/www.kryptocasinos.com\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2025\/06\/kryptocasinos-com-logo.svg\",\"contentUrl\":\"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2025\/06\/kryptocasinos-com-logo.svg\",\"width\":109,\"height\":34,\"caption\":\"Kryptocasinos.com\"},\"image\":{\"@id\":\"https:\/\/www.kryptocasinos.com\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/kryptocasinoscomm\/\"],\"description\":\"Explore the best crypto casinos for %%currentyear%%. 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According to M\u00e1rio Cardoso, Fraud and Risk Manager at Solverde.pt, AI has fundamentally changed both how operators detect fraud and how criminals attempt to bypass controls.\n\nOn the operator side, AI supports document analysis, behavioural modelling, automated decision making, and large scale fraud detection. These tools allow companies to process identity checks and monitor activity at a scale that was not possible a few years ago.\n\nAt the same time, fraudsters are using the same technology. Cardoso points to AI generated identity documents, increasingly realistic deepfakes, automated account creation, and more sophisticated synthetic identities. As a result, fraud prevention has become what he describes as a constant technological arms race.\n\nFor operators in regulated markets, the challenge is not only deploying AI systems but ensuring that they remain explainable, properly governed, and continuously monitored. In highly regulated environments, decisions must be auditable and supported by human oversight.\n\nRisk Based KYC as a Balance Between Compliance and User Experience\n\nCardoso rejects the idea that strict compliance and smooth onboarding are conflicting objectives. He argues that both can coexist when operators apply a genuine risk based approach to know your customer procedures.\n\nInstead of treating every player as high risk, operators should allow most legitimate users to complete registration within seconds using automated document verification, biometric liveness checks, and trusted data sources. Additional controls should only be introduced when specific risk indicators appear.\n\nExamples of such indicators include inconsistencies in identity data, high risk jurisdictions, unusual payment behaviour, or device anomalies. These factors should trigger enhanced due diligence rather than applying the same level of friction to all customers.\n\nAccording to Cardoso, success in compliance is not measured by the number of documents collected, but by how accurately risk is identified while legitimate customers can access services without unnecessary delays.\n\nEU AML Reform Increases Focus on Monitoring and Governance\n\nLooking ahead, Cardoso highlights the upcoming EU anti money laundering package and the creation of a new Anti Money Laundering Authority as key developments for EU based operators.\n\nMany companies currently operate across multiple jurisdictions with differing KYC standards, reporting obligations, and due diligence requirements. Greater harmonisation may simplify compliance in the long term, but the transition phase will require significant investment in technology, governance, and operational processes.\n\nHe expects regulators to place stronger emphasis on continuous customer monitoring rather than one off verification. Operators should also prepare for stronger sanctions and politically exposed person screening, improved documentation of risk based decisions, enhanced auditability of automated systems, and higher standards for data quality and record keeping.\n\nCompliance assessments are likely to focus not only on whether controls exist, but whether operators can demonstrate that these controls are effective and proportionate.\n\nBiometrics and Multi Signal Detection in Fraud Prevention\n\nBiometric technologies are becoming central components in fraud prevention strategies. Traditional document verification confirms whether a document appears genuine. Biometric liveness checks confirm that the person presenting the document is physically present and not using a photograph, video replay, or AI generated deepfake.\n\nCardoso identifies biometric tools as particularly valuable in preventing synthetic identity fraud, account opening using stolen documents, account takeover, and identity sharing between individuals.\n\nHowever, he stresses that biometrics are not a standalone solution. Their value increases when combined with device intelligence, behavioural analytics, transaction monitoring, and continuous risk assessment. Modern fraud prevention relies on multiple independent signals rather than a single technology.\n\nAutomated risk scoring systems allow operators to combine hundreds of data points, including identity verification results, payment behaviour, device reputation, gameplay patterns, geolocation, transaction history, and previous investigations. Instead of fixed rules, these systems generate dynamic risk scores that evolve throughout the customer lifecycle.\n\nThe objective is not to detect every anomaly, but to identify meaningful combinations of signals that indicate elevated risk. This approach helps reduce false positives, which can increase operational costs and negatively affect user experience, while still limiting fraud losses.\n\nOnboarding Speed as a Competitive Factor Against the Black Market\n\nCardoso also links fraud prevention and onboarding efficiency to market competition. He notes that unlicensed platforms often offer fast registration with minimal verification, allowing players to begin gambling immediately.\n\nLicensed operators cannot reduce compliance standards to compete. Instead, they must rely on technology to complete identity verification in under a minute while maintaining robust fraud controls. In this context, effective onboarding becomes both a compliance requirement and a competitive advantage for the regulated sector.\n\nHe adds that fraud is no longer an individual operator issue but an ecosystem challenge. Criminal networks share knowledge, technology evolves globally, and regulation continues to change. He highlights the importance of collaboration between operators, suppliers, regulators, and law enforcement, as well as industry events where stakeholders exchange experiences and establish common standards.\n\nOur Assessment\n\nThe statements from Solverde.pt\u2019s Fraud and Risk Manager underline how AI is simultaneously strengthening and challenging fraud controls in regulated gaming. Operators face increasing expectations around continuous monitoring, governance, and auditability, particularly in light of upcoming EU AML reforms. At the same time, rapid and low friction onboarding is positioned as essential for maintaining competitiveness against unlicensed platforms. The combination of biometric verification, automated risk scoring, and multi signal monitoring emerges as a central framework for balancing regulatory compliance, fraud prevention, and user experience.\n\n"},{"@type":"WebPage","@id":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/","url":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/","name":"AI and Fraud in iGaming - Solverde Insights","isPartOf":{"@id":"https:\/\/www.kryptocasinos.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage"},"image":{"@id":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage"},"thumbnailUrl":"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg","datePublished":"2026-07-13T17:05:16+02:00","description":"Solverde.pt fraud manager says AI lowers barriers to sophisticated fraud and urges risk based KYC, biometric checks, and continuous monitoring under EU AML reform.","inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#primaryimage","url":"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg","contentUrl":"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2026\/07\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming.jpg","width":1408,"height":736,"caption":"Circuit-pattern shield beside an ID card with fingerprint checkmark and a server stack under a magnifying glass."},{"@type":"BreadcrumbList","@id":"https:\/\/www.kryptocasinos.com\/en\/news\/ai-lowers-barrier-sophisticated-fraud-solverde-igaming\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.kryptocasinos.com\/en\/"},{"@type":"ListItem","position":2,"name":"AI Lowers Barrier to Sophisticated Fraud, Solverde Manager Warns"}]},{"@type":"WebSite","@id":"https:\/\/www.kryptocasinos.com\/en\/#website","url":"https:\/\/www.kryptocasinos.com\/en\/","name":"Kryptocasinos.com","description":"","inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.kryptocasinos.com\/en\/#organization","name":"Kryptocasinos.com","url":"https:\/\/www.kryptocasinos.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.kryptocasinos.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2025\/06\/kryptocasinos-com-logo.svg","contentUrl":"https:\/\/www.kryptocasinos.com\/wp-content\/uploads\/2025\/06\/kryptocasinos-com-logo.svg","width":109,"height":34,"caption":"Kryptocasinos.com"},"image":{"@id":"https:\/\/www.kryptocasinos.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/kryptocasinoscomm\/"],"description":"Explore the best crypto casinos for %%currentyear%%. 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