01
€8,500 to a stranger. Approve?
In EU payments, every decision must be explained later.
02
Rules, not a black box.
Seven rules add up risk points. Each one is a reason.
03
This one scores 85.
Over €5,000, new beneficiary, unverified customer: an analyst reviews it.
04
A whole platform around it.
Java and Spring Boot, React, a Python scoring service and an audit log of every step.
05
The EU now checks names.
Since 9 October 2025, banks must match the payee name to the IBAN.
Sources: Finextra: the 9 October deadline ↗
06
Next: learning beside the rules.
A learned model is on the roadmap. Every reason stays.