Q2 account takeover protection received a major upgrade as Q2 Holdings, Inc. introduced two new fraud prevention tools. The company launched User Activity Monitoring and Restricted Entitlements Mode. These tools use AI detection and real-time response to help banks stop fraud faster. Q2 said the new tools work with its current fraud solutions. As a result, financial institutions can improve Q2 account takeover protection across the full digital banking journey.
Account takeover fraud has become more complex. Criminals now target login sessions, account settings, and transactions. Therefore, many banks need stronger fraud prevention systems. Traditional fraud tools often act at one stage only. However, Q2 uses a continuous protection model. Its AI system reviews user behavior, risky account actions, and transactions in real time. This helps institutions spot threats early and react quickly.
“Fraud no longer happens at a single point; it unfolds across the entire digital session,” said Q2 Managing Director, Fraud Intelligence Jeff Scott. “With this continuous approach to account takeover protection, we’re embedding intelligence directly into digital banking session workflows to help institutions shift from reactive detection to taking immediate, dynamic action before fraud occurs. Threats get stopped earlier, reducing both fraud losses and operational burden.”
New Fraud Detection Features
User Activity Monitoring (UAM) uses AI-assisted behavior analysis. It studies user signals during live banking sessions. It also combines rules with future machine learning support. Restricted Entitlements Mode (REM) acts as an enforcement layer. It limits access, changes permissions, or controls compromised accounts when risk appears. These new tools also build on Q2 Patrol and Q2 Sentinel. Together, they create a connected fraud defense system. The system detects, reviews, blocks, and contains attacks.
“In just a few months of testing, we’ve seen strong signal quality from User Activity Monitoring, with more than a third of alerts aligning to confirmed fraud and a meaningful portion identifying risk we hadn’t detected elsewhere,” said First Bank VP and Digital Banking Lead John Schulte. “It’s helping us uncover high-risk activity earlier, refine our fraud strategies proactively, and collaborate more closely with Q2 to continuously improve detection accuracy. We’re especially encouraged by how this will evolve—bringing together richer data and better visibility across User Activity Monitoring and Sentinel to further strengthen our fraud monitoring capabilities.”
“What is notable about Q2’s approach is the combination of behavioral signal detection with direct control over enforcement,” said IDC Research Director for Risk, Compliance and Financial Crime Sam Abadir. “By connecting User Activity Monitoring with real-time action through Restricted Entitlements Mode, Q2 is addressing one of the more persistent challenges in fraud operations: the lag between identifying a threat and acting on it. Closing that gap within a single session, without requiring manual intervention, is what makes this model worth attention.”
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Source: Businesswire
