# Why 42% of Companies Use Layered AI Stacks for Fraud Prevention

> 42% of companies deploy AI layers to stop payment fraud, boosting security without slowing transactions.
- Title: Why 42% of Companies Use Layered AI Stacks for Fraud…
- Summary: 42% of companies deploy AI layers to stop payment fraud, boosting security without slowing transactions. Forty-two percent of corporate finance departments…
- Keywords: pymnts, fraud prevention, ai tools, corporate finance, payments security, layered defense stacks, payment fraud, business, finance, Companies, Use, Layered
- Source: Pymnts — https://pymnts.com/cybersecurity/fraud-prevention/2026/why-42percent-companies-layered-defense-stacks-combat-payments-fraud
- Author: PYMNTS
- Published: 2026-10-12T19:35:43+00:00
- Read time: 1 min
- Topics: pymnts, fraud prevention, ai tools, corporate finance, payments security, layered defense stacks, payment fraud, business, finance
## 42% of Companies Use AI Layers
Forty-two percent of corporate finance departments deploy a stack of three or more artificial intelligence tools to secure outgoing payments.
## Layered Defense Boosts Security
Companies pair automated risk scoring with multi-person approval workflows to catch suspicious wire transfers before unauthorized funds leave corporate bank accounts.
## 35% Still Face Check Fraud
Thirty-five percent of businesses encounter traditional check fraud despite using layered defense stacks.
## 78% Struggle with Manual Reconciliation
Seventy-eight percent of companies face tedious manual reconciliation tasks when managing payments.
## 58% Plan New Tools in 12 Months
Fifty-eight percent of non-adopting firms plan to implement new detection tools within 12 months to improve payment security.
## Key takeaway

Forty-two percent of corporate finance departments use layered AI tools to secure payments and reduce fraud.