Business account security in 2025: The new era of fraud prevention and compliance
As digital transactions grow more complex, businesses in 2025 face evolving threats and stricter regulations. Fraudsters are leveraging sophisticated tactics, making robust security measures a necessity rather than an option.
AI-driven fraud detection and automated compliance
Artificial intelligence has become a key player in fraud prevention, identifying suspicious activity in real time. Machine learning models analyze transaction patterns, flagging anomalies before they escalate into financial losses. Additionally, automated compliance tools help businesses keep up with regulatory requirements, reducing human error and ensuring adherence to evolving policies.
Cybersecurity risks and protecting business funds
Cybercriminals are targeting businesses with advanced phishing schemes, ransomware, and credential theft. To counter these threats, companies are implementing multi-factor authentication (MFA), end-to-end encryption, and biometric verification. Regular security audits and employee training programs are also crucial in minimizing vulnerabilities.
Blockchain’s role in securing transactions
Blockchain technology is enhancing transaction security by providing transparency and tamper-proof records. Businesses adopting decentralized ledgers benefit from reduced fraud risks and improved traceability, particularly in high-value transactions and supply chain operations.
Regulatory shifts: PSD3 and beyond
New regulations like the Payment Services Directive 3 (PSD3) and the Payment Services Regulation (PSR) are boosting financial security by tightening authentication requirements and increasing liability for institutions that fail to protect customer funds. Businesses must stay ahead by adapting to these changes, ensuring compliance to avoid penalties and legal risks.
With AI-driven fraud detection, enhanced cybersecurity strategies, and regulatory adaptation, businesses can secure their accounts against modern threats. In 2025, proactive protection isn’t just advisable—it’s essential.
Satchel account and transaction security
At Satchel, a new client’s biometric data verification is required when opening an account. Our clients’ funds are kept in a segregated account in the Bank of Lithuania, assuring their enhanced protection from risks (the so-called prohibition of commingling requirement). We assure transaction safety by applying two-factor authentication (2FA) and 3D Secure (3DS) measures. Satchel decentralized security protocols ensure the full protection of user data from potential threats.
