Episode 97 of Quantum Computing Business dives into a specific fraud-detection use case: how a European retail bank used a quantum-classical hybrid system to catch fraudulent credit-card transactions in under 50 milliseconds. Lucas explains the technical architecture — a quantum annealing processor from D-Wave that solves a combinatorial optimization problem each time a card is swiped — and Luna presses on the real-world results: a 23 percent improvement in true positive rate with no increase in false positives. They also discuss the hardware bottleneck (2000 qubit limit) and why the bank went hybrid rather than pure quantum. A clear, grounded look at where quantum meets the payment rails today, not in ten years.

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