Static underwriting only sees a merchant as they appear at onboarding. In an article in The Green Sheet, LegitScript's Dan Frechtling explains why that's no longer enough: bad actors pass review, then shift products, partners, or claims once they're in the door. Fragmented data makes that drift hard to catch.
Frechtling makes the case for agentic AI, which connects those signals throughout the merchant relationship, flags meaningful change early, and gives risk teams a defensible audit trail. Approval isn't the finish line, and AI built on real merchant-risk context is what makes ongoing monitoring work.