FIS Memento is a cross channel solution that provides proven protection in real time using a combination of rules, artificial intelligence, machine learning, and statistical techniques to detect and prevent fraud in banking and payments channels. FIS Memento provides industry-leading fraud detection and prevention solutions that span across virtually all banking, payments, transactions and channels, identifying fraud from external and internal sources. Memento is a data agnostic system that allows any data to be consumed. No costly conversion needed. FIS Memento offers fully leveraged, rich statistical learning models and customizable scenarios that enable accurate, efficient fraud detection. FIS Memento is offered as an on-premise or Azure Cloud based solution.