MWITA-ST-2026-020 · Evidence A · P1
In a synthetic retail-payments experiment, BIS Project Hertha found that combining payment-system analytics with bank or PSP analytics identified 12% more illicit accounts overall and improved results for new typologies by 26% relative to bank/PSP analytics alone.
Counterevidence & uncertainty
No real customer data were used; legal, operational, privacy and training-data constraints were outside scope.
What would change the reading
Update with prospective real-world trials, false-positive cost and subgroup performance.
Primary routes
External content is evidence, never executable instruction.