As digital payments make up a growing share of money movement, payments fraud is becoming more frequent and complex, requiring a broader range of ever-more-powerful security tools. SardineAI seeks to meet that need with an AI-powered fraud prevention and compliance platform that uses device intelligence, behavior-based analytics, and machine learning to protect financial services, fintech, and e-commerce businesses.

In this episode, SardineAI cofounder and CEO Soups Ranjan speaks with McKinsey partner and payments industry expert Roshan Varadarajan about Ranjan’s experience leading financial crime prevention at Revolut and Coinbase before starting Sardine; the future of payment fraud prevention, given the emergence of agentic commerce; and the growth of the payments security industry.

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The 2025 McKinsey Global Payments Report: Competing systems, contested outcomes
Guardrails for growth: Building a resilient payments system
The stable door opens: How tokenized cash enables next-gen payments
Global Banking Annual Review 2025: Why precision, not heft, defines the future of banking
After the surge: Tien‑Tsin Huang on the future of payments
The future of the payments industry: How managing risk can drive growth

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As digital payments make up a growing share of money movement, payments fraud is becoming more frequent and complex, requiring a broader range of ever-more-powerful security tools. SardineAI seeks to meet that need with an AI-powered fraud prevention and compliance platform that uses device intelligence, behavior-based analytics, and machine learning to protect financial services, fintech, and e-commerce businesses.
In this episode, SardineAI cofounder and CEO Soups Ranjan speaks with McKinsey partner and payments industry expert <a href="https://www.mckinsey.com/our-people/roshan-varadarajan">Roshan Varadarajan</a> about Ranjan&rsquo;s experience leading financial crime prevention at Revolut and Coinbase before starting Sardine; the future of payment fraud prevention, given the emergence of agentic commerce; and the growth of the payments security industry.
Related insights
<a href="https://www.mckinsey.com/industries/financial-services/our-insights/global-payments-report">The 2025 McKinsey Global Payments Report: Competing systems, contested outcomes</a> <a href="https://www.mckinsey.com/industries/financial-services/our-insights/guardrails-for-growth-building-a-resilient-payments-system">Guardrails for growth: Building a resilient payments system</a> <a href="https://www.mckinsey.com/industries/financial-services/our-insights/the-stable-door-opens-how-tokenized-cash-enables-next-gen-payments">The stable door opens: How tokenized cash enables next-gen payments</a> <a href="https://www.mckinsey.com/industries/financial-services/our-insights/global-banking-annual-review">Global Banking Annual Review 2025: Why precision, not heft, defines the future of banking</a> <a href="https://www.mckinsey.com/industries/financial-services/our-insights/after-the-surge-tien-tsin-huang-on-the-future-of-payments">After the surge: Tien‑Tsin Huang on the future of payments</a> <a href="https://www.mckinsey.com/capabilities/risk-and-resilience/our-insights/the-future-of-the-payments-industry-how-managing-risk-can-drive-growth">The future of the payments industry: How managing risk can drive growth</a>
Follow our banking and payments sector insights: <a href="https://www.mckinsey.com/industries/financial-services/our-insights/talking-banking-matters">Talking Banking Matters</a>
Read our Financial services blog: <a href="https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters">Banking &amp; Securities Matters</a>
Discover our latest insights with our LinkedIn community of 9,000+ financial services professionals: <a href="https://www.linkedin.com/showcase/mckinseyfinancialservices/posts/?feedView=all">McKinsey Financial Services</a>
Find all of our Financial Services insights on <a href="https://www.mckinsey.com/industries/financial-services/how-we-help-clients">McKinsey.com</a>
See <a href="http://www.mckinsey.com/privacy-policy">www.mckinsey.com/privacy-policy</a> for privacy information

Hear conversations covering the full spectrum of today's global financial services industry with industry leaders including payments, fintech, retail banking, and beyond. Get insight from peers who are tackling top-of-mind business challenges to lead their companies’ growth and transformation. 

Hear conversations covering the full spectrum of today's global financial services industry with industry leaders including payments, fintech, retail banking, and beyond. Get insight from peers who are tackling top-of-mind business challenges to lead their companies’ growth and transformation.