TrustDecision
TrustDecision is a Singapore-headquartered AI risk intelligence company founded in 2018 that provides fraud prevention, credit risk decisioning, and identity verification software to 1,000+ enterprise clients across banking, lending, payments, and digital commerce globally.
- Company typePrivate
- Founded2018
- HeadquartersKuala Lumpur, Malaysia
- Headcount5,001–10,000
- GTM typeB2B
- OfferingSoftware
What TrustDecision does
TrustDecision is a Singapore-incorporated private risk intelligence company founded in 2018 that builds AI-powered decisioning software for fraud prevention, credit risk management, and regulatory compliance. Its product portfolio centers on three proprietary platforms — ARGUS® Fraud Management Platform, PISTIS® Credit Management Platform, and ARCHER® Risk Decisioning OS — supported by modular products including Device Intelligence, Global Risk Persona, Credit Scoring, and Credit Data Insights. The underlying engine performs real-time risk decisioning within 20 milliseconds, using anomaly detection and predictive analytics to cover the full customer lifecycle from onboarding eKYC through transaction monitoring and credit underwriting.
The company serves enterprise customers across six verticals: retail banking, consumer lending, digital payments, retail/e-commerce, gaming/entertainment, and airline/travel. Named enterprise customers include RCBC (Philippines), Soneri Bank (Pakistan), and SHEIN (global e-commerce), with the company claiming 1,000+ global clients and 120 billion+ cumulative high-risk behaviors intercepted. TrustDecision distributes through direct enterprise field sales, an AWS Marketplace listing, and a partner ecosystem that includes Huawei Cloud, AWS, Mastercard (Ethoca), Visa (Verifi), 1LINK, and licensed credit bureaus.
Revenue comes from subscription and usage-based SaaS contracts with quote-based enterprise pricing that is not publicly disclosed. The company operates seven regional offices across Singapore (headquarters), Malaysia, Indonesia, the Philippines, the UAE, Saudi Arabia, and Mexico, and was recognized as a Leader in the 2025 Gartner Magic Quadrant for Identity Verification. TrustDecision was founded by Jackal Ma (Kui), who serves as Chairman and Group Director.
TrustDecision firmographics
Firmographics- Name
- TrustDecision
- Legal name
- TrustDecision Pte. Ltd.
- Website
- https://trustdecision.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- TrustDecision is a Singapore-headquartered AI risk intelligence company founded in 2018 that provides fraud prevention, credit risk decisioning, and identity verification software to 1,000+ enterprise clients across banking, lending, payments, and digital commerce globally.
- Ownership category
- akta.pro rank
TrustDecision industry classification
Industry- Product category
- Risk Management & Fraud Prevention Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Risk Scoring, Decisioning & Orchestration (FSAMALAB)
- akta.pro secondary industry
- Risk, Fraud & 3DS Orchestration for Payments (FSAGABAL)
Keywords
Where TrustDecision is headquartered
LocationHeadquarters
- HQ city
- Kuala Lumpur
- HQ country
- Malaysia
- HQ region
- Asia
Offices7 records
Markets served
TrustDecision business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- SaaS/Cloud-based Risk Decisioning Platform: TrustDecision provides cloud-native AI-powered risk decisioning as a service, offering fraud prevention, credit risk management, and compliance solutions on a subscription and usage-based model.
Go-to-market motion4 records
Distribution channels3 records
Marketing channels6 records
TrustDecision product offering
Product offeringCore offering
TrustDecision provides an AI-powered decision engine platform that delivers fraud prevention, credit risk decisioning, and regulatory compliance solutions for financial institutions and digital commerce companies. The platform encompasses three core offerings—ARGUS® for fraud management, PISTIS® for credit management, and ARCHER® as the risk decisioning operating system—along with supporting modules such as Device Intelligence, Global Risk Persona, Credit Scoring, and Credit Data Insights. Solutions cover the full customer lifecycle from onboarding identity verification (eKYC) and account login to real-time transaction monitoring, with sub-20ms response times.
Product overview
TrustDecision offers a unified AI-powered decision engine platform for fraud prevention, credit risk decisioning, and regulatory compliance. The core portfolio consists of three main platforms: ARGUS® Fraud Management Platform for comprehensive fraud detection and prevention, PISTIS® Credit Management Platform for end-to-end credit risk management, and ARCHER® Risk Decisioning OS as the intelligent operating system enabling real-time automated decision-making. These platforms are complemented by modular products including Device Intelligence for device fingerprinting, Global Risk Persona for risk profiling, Credit Scoring for alternative credit assessment, and Credit Data Insights for data enrichment. The architecture supports the full customer lifecycle from onboarding identity verification through real-time transaction monitoring to credit risk assessment, with low-code interfaces and real-time distributed high-performance computing enabling sub-20ms decisioning.
Differentiator
Problem solved
Functional benefit
Brands
- ARGUS®: Fraud Management Platform for detecting and preventing fraud across the customer lifecycle
- PISTIS®
- ARCHER®
- Riskopedia
Products and services
- ARGUS® Fraud Management Platform An enterprise fraud management platform providing comprehensive fraud detection and prevention across the full customer lifecycle, delivering instant risk scores, labels, and decisioning within 20 ms for financial institutions and digital commerce companies.
- PISTIS® Credit Management Platform A credit management platform enabling end-to-end credit risk assessment and management with alternative credit data enrichment and comprehensive borrower profiling for lenders, fintechs, and financial institutions.
- ARCHER® Risk Decisioning OS A next-generation intelligent risk decisioning operating system with end-to-end AI-powered decisioning capabilities, featuring a low-code interface and a real-time distributed high-performance computing engine supporting customer lifecycle management from onboarding to real-time transaction monitoring.
- Device Intelligence A device fingerprinting and intelligence solution that identifies devices and detects device-based fraud signals to enable real-time risk control across payment methods.
- Global Risk Persona A global risk profiling solution that creates comprehensive risk profiles by aggregating and analyzing data across multiple dimensions for fraud prevention and credit risk assessment.
- Credit Scoring A credit scoring solution providing alternative credit data scoring and thin-file scoring capabilities to support credit risk decisioning for underserved borrowers and lenders.
- Credit Data Insights An alternative credit data enrichment service providing comprehensive borrower profiles through direct integration and joint modeling with licensed credit bureaus to enhance credit risk evaluation.
- Identity Verification (eKYC) An identity verification solution supporting eKYC for customer onboarding and account opening, helping financial institutions meet regulatory and compliance requirements.
Quantifiable outcome
- Over 120 billion high-risk behaviors intercepted globally
- +4 more outcomes
Companies that use TrustDecision
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles2 records
TrustDecision technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability5 records
Feature9 records
TrustDecision partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and major.
- HuaweicoreTrustDecision partners with Huawei for cloud infrastructure supporting secure, high-performance AI-powered risk decisioning at scale. The partnership accelerates market entry, enhances system resilience, and supports intelligent real-time risk control on a global scale through Huawei Cloud ecosystem integration.
- RCBC (Rizal Commercial Banking Corporation)majorRCBC partnered with TrustDecision to launch an AI-driven Fraud Risk Management and Anti Money Laundering platform, utilizing advanced analytics, machine learning, and AI for predictive capabilities to identify emerging fraud and money laundering risks before escalation.
- Huawei Cloud Singapore AI Pioneer Partner Ecosystem AlliancecoreTrustDecision joined Huawei Cloud's AI Pioneer Partner Ecosystem Alliance in Singapore, along with YITU Technology, Weaver Network International, Sunline, Udesk, iFLYTEK, Neuxnet, Sefonsoft, and AiMall, to accelerate AI adoption across Singapore's key industries including fintech, retail, education, transport, and enterprise sectors.
- Mastercard (Ethoca)coreTrustDecision and Mastercard collaborate to combine intelligent fraud prevention with simplified dispute management through Ethoca, providing more secure, faster, and more reliable digital transactions for merchants and consumers globally.
- CIBImajorTrustDecision collaborates with CIBI (Philippine credit bureau) to strengthen fraud prevention and credit analysis in the Philippines, working with licensed credit bureaus to enrich credit risk evaluation through direct integration and joint modeling.
- Verifi (Visa)majorVerifi partners with TrustDecision to enhance chargeback mitigation and dispute resolution. Through real-time monitoring and transparent workflows, the collaboration helps merchants reduce losses, protect revenue, and deliver safer, more reliable payment experiences.
- 1LINKmajorTrustDecision integrates with Pakistan's national payment infrastructure and switching networks through 1LINK, providing real-time risk control using device intelligence to prevent fraud across different payment methods, ensuring seamless interoperability and fraud monitoring aligned with local payment systems.
- AWScoreTrustDecision offers cloud-native anti-fraud services built on AWS, providing scalable fraud prevention covering device intelligence, marketing risk control, and payment security. The partnership enables cross-channel collaboration and real-time protection for seamless integration and rapid threat response.
- Credit Bureau MalaysiamajorTrustDecision partners with Credit Bureau Malaysia to enhance financial literacy and credit risk evaluation, providing lenders with access to more comprehensive borrower profiles including alternative data and thin-file scoring.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
TrustDecision competitors and assessment
Company assessmentEmerging players
- ComplyAdvantage: ComplyAdvantage provides AI-driven AML and KYC solutions for financial institutions. It is comparable to TrustDecision's AML and compliance capabilities, particularly around real-time screening and risk decisioning.
Direct peers
- Onfido: Onfido provides AI-based identity verification and document checks for financial services and digital businesses. Comparable to TrustDecision's identity verification capabilities across the same customer lifecycle stages.
- Feedzai: Feedzai is a direct competitor offering AI-powered fraud prevention and AML for banks and payment providers. It is closely comparable to TrustDecision in target customers (financial institutions), risk decisioning focus, and OMNI-channel transaction monitoring.
- Jumio: Jumio is a leading identity verification and KYC platform with global enterprise reach. Comparable to TrustDecision across eKYC, AML, and digital onboarding use cases for financial institutions and digital commerce.
- Veriff: Veriff offers AI-powered identity verification and KYC, serving financial institutions and digital platforms. Directly comparable to TrustDecision's eKYC/identity verification offering which earned Gartner Magic Quadrant recognition.
- DataVisor: DataVisor is an AI-based fraud detection platform serving banks, fintechs, and digital commerce companies. Comparable to TrustDecision through its real-time fraud management and risk decisioning capabilities for similar enterprise segments.
- Sift: Sift provides digital trust and safety, fraud prevention, and account protection for digital commerce and fintech. Overlaps with TrustDecision's e-commerce fraud management, account protection, and payment fraud use cases.
- Featurespace: Featurespace provides adaptive behavioral analytics for fraud and risk management in banking and payments. Like TrustDecision, it focuses on real-time transaction monitoring and risk decisioning for financial institutions using AI/ML.
Broad incumbents
- NICE Actimize: NICE Actimize is a broad incumbent in financial crime, AML, and fraud management for the largest Tier-1 banks globally. It competes with TrustDecision across enterprise fraud management but as part of a much larger enterprise software portfolio.
- FICO: FICO is a broad incumbent in credit scoring, fraud detection, and financial risk analytics. Its Falcon fraud platform and credit bureau directly overlap with TrustDecision's PISTIS and ARGUS offerings.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
TrustDecision social profiles
Digital presenceTrustDecision financial estimates
Financial estimateRevenue estimate
Valuation estimate
TrustDecision leadership team
Management profileNumber of profiles
Profiles1 record
TrustDecision funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TrustDecision M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about TrustDecision
What does TrustDecision do?
TrustDecision provides an AI-powered decision engine platform that delivers fraud prevention, credit risk decisioning, and regulatory compliance solutions for financial institutions and digital commerce companies. The platform encompasses three core offerings—ARGUS® for fraud management, PISTIS® for credit management, and ARCHER® as the risk decisioning operating system—along with supporting modules such as Device Intelligence, Global Risk Persona, Credit Scoring, and Credit Data Insights. Solutions cover the full customer lifecycle from onboarding identity verification (eKYC) and account login to real-time transaction monitoring, with sub-20ms response times.
Is TrustDecision a public or private company?
TrustDecision is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was TrustDecision founded?
TrustDecision was founded in 2018. It employs 5,001 to 10,000 people.
Where is TrustDecision based?
TrustDecision is headquartered in Kuala Lumpur, Malaysia, in the Asia region.
How does TrustDecision make money?
One revenue line is on record: saaS/Cloud-based Risk Decisioning Platform.
Who are TrustDecision's main competitors?
ComplyAdvantage is listed as an emerging player. Direct peers are Onfido, Feedzai, Jumio, Veriff, DataVisor, Sift and Featurespace. Broad incumbents are NICE Actimize and FICO.
Does TrustDecision have an API?
Yes. TrustDecision offers a public API (v3.0) that processes personal data including contact information, identity verification data, payment transaction information, behavioral data, and device/connection data. The API is used by clients to send end user data through APIs and SDKs. Documentation is available in English and Chinese. Developer documentation is at en-doc.trustdecision.com.
What industry is TrustDecision in?
TrustDecision's product category is Risk Management & Fraud Prevention Software. Its primary akta.pro industry code is FSAMALAB, Risk Scoring, Decisioning & Orchestration, with a secondary code of FSAGABAL, Risk, Fraud & 3DS Orchestration for Payments. Its NAICS code is 522320 and its SIC code is 7370.