Payment platforms face a complex challenge of balancing transaction approvals to increase merchant revenue while implementing robust fraud prevention measures. The reliance on AI-powered fraud detection has exposed vulnerabilities due to the use of inconsistent and siloed data, leading to costly false declines and enabling sophisticated fraudsters to evade detection. Regulatory pressure has intensified with stricter Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements, compounding the friction for legitimate customers while failing to effectively address synthetic identities. To mitigate these issues, platforms must integrate richer, real-time signals across all transaction touchpoints, enabling AI models to efficiently discern between legitimate and fraudulent activities. Device intelligence emerges as a crucial tool, providing persistent and granular signals that enhance fraud detection and compliance without compromising the user experience. Platforms like Fingerprint offer solutions by connecting activities across channels, reducing false declines, and maintaining compliance standards, ultimately fostering a safer and more economic environment for merchants.