Brighterion’s unique Smart Agents capability is the only technology that can overcome limitations of legacy machine learning technologies by allowing personalization, adaptability and self-learning. In the payment industry, for example, a smart-agent is associated with each individual cardholder, merchant, or terminal. The smart agents associated to an entity (such as a card or merchant) learns in real-time from every transaction made and builds their specific and unique behaviors overtime. This one-to-one analysis provides unprecedented behavioral insights, from the spending behavior of customers to the constantly evolving tactics used by fraudsters.