European businesses are seeking tools that combine transaction speed, regulatory compliance, and proactive fraud protection. That’s why young fintech platforms are gaining traction in the B2B space. A standout example is the UK-based Sends, which in 2025 received two honours from the International Business Magazine Awards: Best Alternative Banking Platform and Leading Financial Services Provider UK.
The key to the company’s growth lies not only in its technology, but also in its strategic positioning. Sends is an active participant in leading industry events — from PAY360 in London to Crypto Expo Dubai — where its CEO Alyona Shevtsova consistently advocates for transparency, ethical use of AI, and compliance as the foundation of financial trust.
Security as a Core Value
On June 6, Sends announced full support for the 3DS2 protocol across all payment streams. “Our enhanced 3DS integration ensures that partners can trust the integrity of every transaction without unnecessary complexity,”
explains founder Alyona Shevtsova. Thanks to contextual analysis of devices, geolocation, and behavioral patterns, the solution enables automatic streamlining of authentication for low-risk operations, while requiring additional verification steps for suspicious payments.
The enhanced authentication system operates in real time — a critical feature in the B2B segment, where speed and continuity are paramount. For cross-border transactions and mobile operations, Sends’ implementation of 3DS2 provides an elevated level of protection, minimizing fraud-related losses without compromising user experience.
3DS2 is just one part of the company’s broader security strategy, which includes AI-powered risk analytics, fraud prediction, and compliance with European PSD2 requirements. This approach allows Sends not just to meet regulatory standards, but to exceed market expectations. “Security is not a separate feature — it’s the fundamental architecture of our entire platform,”
Shevtsova emphasizes.
From Reactive Defense to Risk Forecasting
At the PAY360 forum in London, CEO Alyona Shevtsova emphasized that the combination of AI algorithms and human oversight is becoming the cornerstone of financial security: “At Sends, we strive to detect emerging patterns and anticipate fraudulent actions before they occur.”This predictive capability offers a key advantage to B2B clients: the system detects anomalies in real time and minimizes losses from fake invoices or compromised accounts. At the Dubai FinTech Summit, Shevtsova expanded on this point: “Responsible AI is the future of finance. Clear regulation allows us to protect the market while encouraging innovation.”
Throughout her public appearances, Shevtsova has repeatedly stressed the importance of a hybrid approach, where AI does not replace human decision-making but rather enhances it. In high-risk cases or instances of atypical behavior, the system can trigger a manual review — preserving the balance between automation and ethical oversight. This is especially relevant for companies operating in high-risk industries or tightly regulated markets.
Sends’ AI not only identifies threats but also adapts to new fraud tactics. By analyzing behavioral patterns, geographic anomalies, and shifts in transactional activity, the system continuously learns from real-time data streams. This dynamic form of protection is essential for B2B clients, who often deal with a vast network of partners, currencies, and payment channels.
Instant Payments and Real-Time Expense Control
Regulators increasingly emphasize the need to lower the cost of cross-border payments — even a 3% fee is now viewed as excessive.
With multi-currency IBAN accounts in GBP, EUR, and USD opened within 48 hours, businesses can settle payments with partners and contractors quickly and transparently across Europe. A built-in monitoring dashboard allows CFOs to track all financial flows within a single interface.
Crucially, Sends is not just tailored to the needs of large enterprises — it also addresses the realities of small and medium-sized businesses, which often operate with limited budgets and face high service costs at traditional banks. Through flexible payment management tools and simple integration with internal systems, Sends offers real-time expense control and supports financial discipline in an increasingly volatile global market.
The Trust Factor: Regulatory Compliance and Industry Recognition
Sends’ status as an FCA-authorized Electronic Money Institution (EMI) and its dual win at the International Business Magazine Awards are clear indicators of the platform’s maturity and its ability to meet high compliance standards. The awards jury highlighted Sends’ robust encryption protocols, tokenization practices, and the use of AI tools to prevent fraud — all critical for the corporate segment.
“This recognition reaffirms our commitment to security, technological advancement, and a service model tailored to customer needs,”
summarizes CEO Alyona Shevtsova.
Sends demonstrates a systemic approach to security and compliance: the enhanced 3DS2 protocol, combined with AI-based screening, enables deep real-time transaction checks and creates a “zero-tolerance” model for financial fraud. This not only protects operations but also reduces the burden on clients by automating checks without compromising transaction speed.
Thanks to instant payment solutions such as SEPA Instant and Faster Payments, and a transparent pricing model, Sends significantly lowers the barriers to international settlements. This is especially valuable for small and medium-sized enterprises, which often face high fees in the traditional banking system.
In a rapidly evolving B2B landscape, flexible and technologically advanced fintech solutions like Sends are setting a new standard. Payment infrastructure is no longer just a utility — it’s a strategic asset that drives growth, ensures stability, and meets the rising demands of global business.
