The customer benefits from an easier, more convenient experience with their financial institution because online fraud detection is taking place in the background. It doesn’t interrupt the user experience unless necessary. From the customer’s perspective, transactions should be as frictionless as possible. Customers would prefer not to be bothered with authentication methods for low-risk transactions; however, the appropriate level of authentication will be introduced, if needed, to protect the user’s account. This seamless, frictionless experience working in the background helps build customer loyalty and trust.