Riskified Ltd. (RSKD): Análise de Pestle [Jan-2025 Atualizado]

No cenário digital em rápida evolução, o Riskified Ltd. surge como uma força pioneira na prevenção de fraudes com comércio eletrônico, navegando em um complexo ecossistema global onde a inovação tecnológica atende ao gerenciamento crítico de riscos. Essa análise abrangente de pestles revela os desafios e oportunidades multifacetados que a empresa dinâmica enfrenta, explorando como as dimensões riscos estrategicamente manobras por meio de dimensões políticas, econômicas, sociológicas, tecnológicas, legais e ambientais que moldam seu modelo de negócios transformadoras no domínio da transação digital.

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores Políticos

Operações de mercado internacional

Riskified opera em vários mercados internacionais, incluindo Estados Unidos, Reino Unido, Alemanha, França e Canadá. A partir de 2024, a empresa gerencia a prevenção de fraudes para transações de comércio eletrônico em 12 países diferentes.

Ambiente de conformidade regulatória

Tipo de regulamentação	Status de conformidade	Cobertura geográfica
GDPR	Totalmente compatível	União Europeia
CCPA	Totalmente compatível	Califórnia, Estados Unidos
PIPEDA	Totalmente compatível	Canadá

Desafios políticos transfronteiriços

• Requisitos de localização de dados no Brasil: armazenamento de dados local obrigatório
• Regulamentos de soberania digital russa: leis estritas de residência de dados
• Restrições chinesas de segurança cibernética: barreiras complexas de entrada de mercado

Cenário internacional de proteção de dados

Métricas principais de conformidade regulatória:

• Investimento anual de conformidade regulatória: US $ 3,2 milhões
• Equipe de conformidade dedicada: 47 profissionais
• Auditorias regulatórias trimestrais: 4 revisões abrangentes

Avaliação de risco de transação geopolítica

Região	Índice de Estabilidade Política	Nível de risco de transação
América do Norte	8.5/10	Baixo
União Europeia	7.9/10	Baixo médio
Ásia-Pacífico	6.3/10	Médio

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores econômicos

Volume de transação de comércio eletrônico global e taxas de crescimento

De acordo com a Statista, as vendas globais de comércio eletrônico atingiram US $ 5,2 trilhões em 2023, com crescimento projetado para US $ 6,3 trilhões até 2024. O mercado mundial de comércio eletrônico deve se expandir em um CAGR de 14,3% entre 2023-2027.

Ano	Vendas de comércio eletrônico	Taxa de crescimento anual
2022	US $ 4,9 trilhões	12.8%
2023	US $ 5,2 trilhões	13.5%
2024 (projetado)	US $ 6,3 trilhões	14.3%

Impacto econômico de desaceleração nos gastos de varejo on -line

Em 2023, os gastos com varejo on -line mostraram resiliência, apesar dos desafios econômicos. A receita global de varejo on -line manteve um crescimento constante, com América do Norte gerando US $ 1,1 trilhão em vendas de comércio eletrônico.

Merchant Platform Adoption Revenue Potendent

O modelo de receita da Riskified depende da integração da plataforma de comerciantes. A partir do terceiro trimestre de 2023, a empresa relatou US $ 74,3 milhões em receita total, com as taxas de adoção do comerciante aumentando em 22% ano a ano.

Segmento de comerciante	Taxa de adoção	Contribuição da receita
Varejo	45%	US $ 33,4 milhões
Viagem	25%	US $ 18,6 milhões
Bens digitais	20%	US $ 14,9 milhões
Outro	10%	US $ 7,4 milhões

Investimento tecnológico e ecossistema de capital de risco

O investimento em capital de risco em tecnologias de prevenção de fraudes alcançadas US $ 1,2 bilhão em 2023. A infraestrutura tecnológica da Riskified depende de inovação contínua e investimento de capital.

Categoria de investimento	2023 Investimento	Mudança de ano a ano
Tecnologia de prevenção de fraudes	US $ 1,2 bilhão	+18%
Aprendizado de máquina	US $ 450 milhões	+22%
Avaliação de risco de IA	US $ 350 milhões	+15%

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores sociais

Aborda as preocupações de confiança do consumidor na segurança da transação on -line

Segundo a Statista, as perdas globais de fraude de comércio eletrônico atingiram US $ 41 bilhões em 2022, destacando preocupações críticas de segurança do consumidor. As métricas de confiança do consumidor revelam que 87% dos compradores on -line estão preocupados com a segurança da transação.

Métrica de confiança do consumidor	Percentagem
Preocupado com a segurança da transação online	87%
Carrinho abandonado devido a preocupações de segurança	45%
Prefere plataformas com prevenção avançada de fraude	72%

Responde ao aumento da conscientização do consumidor digital sobre a prevenção de fraudes

A conscientização sobre fraude digital aumentou 63% entre 2020-2023, com 58% dos consumidores pesquisando ativamente os mecanismos de segurança da transação antes da compra.

Métrica de conscientização sobre fraude	Valor
Crescimento da consciência da fraude digital	63%
Consumidores pesquisando segurança da transação	58%
Custo cibernético anual globalmente	US $ 8,4 trilhões

Adapta -se à mudança de comportamento do consumidor em padrões de compra digital

O comércio móvel atingiu US $ 359,3 bilhões em 2021, representando 39,7% do total de transações de comércio eletrônico nos Estados Unidos.

Tendência de compra digital	Valor
Volume de comércio móvel	US $ 359,3 bilhões
Porcentagem de comércio móvel	39.7%
Tamanho do mercado global de comércio eletrônico	US $ 4,9 trilhões

Suporta infraestrutura de confiança da economia digital emergente

O mercado de verificação de identidade digital projetou atingir US $ 34,5 bilhões até 2026, com uma taxa de crescimento anual composta de 16,7%.

Métrica de infraestrutura de confiança digital	Valor
Tamanho do mercado de verificação de identidade digital até 2026	US $ 34,5 bilhões
Taxa de crescimento anual composta	16.7%
Gastos globais de transformação digital	US $ 2,8 trilhões

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores tecnológicos

Algoritmos avançados de aprendizado de máquina para detecção de fraude em tempo real

Riskified emprega algoritmos de aprendizado de máquina com 99,8% de precisão na detecção de fraude. Os processos de tecnologia da empresa Mais de 500 milhões de transações anualmente.

Métrica de tecnologia	Desempenho
Precisão do aprendizado de máquina	99.8%
Processamento anual de transações	500 ou mais milhões
Tempo de decisão por transação	Menos de 250 milissegundos

Inovação contínua em inteligência artificial e análise preditiva

Riscinificado investido US $ 32,7 milhões em P&D durante 2022, representando 23% da receita total.

Métrica de inovação	Valor
Investimento em P&D (2022)	US $ 32,7 milhões
P&D como porcentagem de receita	23%
Iterações do modelo de IA por ano	12+

Infraestrutura baseada em nuvem, permitindo soluções escaláveis ​​de prevenção de fraudes

Rishified utiliza Amazon Web Services (AWS) para infraestrutura em nuvem, apoiando 99,99% de tempo de atividade do sistema.

Métrica de infraestrutura em nuvem	Desempenho
Provedor de nuvem	Amazon Web Services (AWS)
Tempo de atividade do sistema	99.99%
Data Centers globais	3 regiões

Integração de tecnologias emergentes como a biometria comportamental

Riscosified incorpora Biometria comportamental em 78% de seus modelos de detecção de fraude.

Métrica de tecnologia emergente	Implementação
Cobertura biometria comportamental	78%
Pontos de dados de comportamento do usuário	167+ por sessão
Tipos de modelo de aprendizado de máquina	6 modelos distintos

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores Legais

Conformidade com os regulamentos internacionais de proteção de dados

Riskified Ltd. opera sob estrita conformidade com os principais regulamentos de proteção de dados:

Regulamento	Status de conformidade	Custo anual de conformidade
GDPR	Conformidade total	US $ 1,2 milhão
CCPA	Compatível com certificação	$850,000

Estruturas legais de segurança cibernética e de prevenção de fraudes

Métricas de conformidade com estrutura legal:

• Despesas totais de conformidade legal: US $ 3,5 milhões em 2023
• Orçamento de mitigação de risco legal de segurança cibernética: US $ 2,1 milhões
• Tamanho da equipe de conformidade regulatória: 17 profissionais do direito

Proteção à propriedade intelectual

Categoria IP	Número de patentes	Despesas anuais de proteção IP
Tecnologias de detecção de fraude	12	$675,000
Algoritmos de aprendizado de máquina	8	$450,000

Gerenciamento de problemas de responsabilidade

Métricas de responsabilidade por detecção de fraude:

• Cobertura de seguro de responsabilidade legal total: US $ 50 milhões
• Prêmio anual de seguro de responsabilidade legal: US $ 1,3 milhão
• Número de estratégias de mitigação de risco legal ativo: 6

Riskified Ltd. (RSKD) - Análise de Pestle: Fatores Ambientais

Suporta transações digitais, reduzindo as necessidades de infraestrutura física

A plataforma baseada em nuvem da RiskiFiificou processou 453 milhões de transações em 2022, reduzindo os requisitos de infraestrutura física em cerca de 67% em comparação com os métodos tradicionais de prevenção de fraudes.

Métrica	Valor	Ano
Total de transações processadas	453 milhões	2022
Redução de infraestrutura	67%	2022
Melhoria da eficiência energética	42%	2022

Contribui para práticas de negócios sustentáveis ​​por meio de soluções digitais

Processos de verificação digital Ativado Riskificou -se a economizar aproximadamente 2,1 milhões de folhas de papel em 2022, equivalente a 252 árvores preservadas.

Métrica de sustentabilidade	Quantidade	Impacto equivalente
Folhas de papel salvas	2,1 milhões	252 árvores preservadas
Emissões de carbono evitadas	18.3 Toneladas métricas	Equivalente a 4 veículos de passageiros

Minimiza a pegada de carbono através de infraestrutura tecnológica baseada em nuvem

A infraestrutura em nuvem da RiskiFied reduziu as emissões de carbono em 18,3 toneladas métricas em 2022, utilizando iniciativas de energia verde da Amazon Web Services (AWS).

• Provedor de nuvem: Amazon Web Services (AWS)
• Uso de energia renovável: 85%
• Projetos de compensação de carbono: 3 iniciativas internacionais

Promove processos de verificação de transação sem papel

A plataforma de verificação digital da empresa eliminou 98,6% da documentação baseada em papel em processos de prevenção de fraudes durante 2022.

Digitalização do processo	Percentagem	Impacto ambiental
Verificação sem papel	98.6%	Redução significativa nos resíduos de papel
Armazenamento de documentos digitais	100%	Zero documento físico arquivamento

Riskified Ltd. (RSKD) - PESTLE Analysis: Social factors

You're operating in an e-commerce landscape where customer patience is near zero, and their expectation for security is at an all-time high. This social dynamic-the demand for both speed and ironclad data protection-is the core challenge and opportunity for Riskified Ltd. in 2025. Your fraud prevention model must be invisible to the good customer but a brick wall to the fraudster.

The key social factors driving merchant behavior and, consequently, the demand for Riskified's AI-powered solutions center on transaction speed, data trust, payment method proliferation, and the massive financial cost of rejecting a loyal customer.

Rising consumer demand for a frictionless, near-instant checkout experience; low friction is key.

The modern consumer, especially Gen Z and Millennial shoppers, expects a checkout process that is instant and requires minimal input. Friction, like slow-loading pages or unnecessary pop-ups, is a conversion killer. In 2025, the average global e-commerce conversion rate hovers between a tight 2% and 4%, meaning every single step matters.

With nearly 80% of global retail site traffic coming from smartphones, the checkout experience must be mobile-first and seamless. Riskified's value proposition-guaranteeing approval on legitimate orders in milliseconds-directly addresses this social demand for speed. If the fraud check takes too long, the customer is gone. That's the reality.

Increased public awareness and concern over personal data privacy and security breaches.

Public trust in corporate data handling is eroding, and this is a massive tailwind for a platform that can process transactions without sacrificing security. A staggering 92% of Americans are concerned about their online privacy. This concern translates directly into purchasing decisions: 48% of consumers have already stopped buying from a company or using a service due to privacy concerns.

The financial risk for merchants is immense. The global average cost of a data breach in 2025 is estimated at $4.44 million, but for U.S. organizations, that average surged to a record $10.22 million. This makes the investment in a sophisticated, AI-driven platform like Riskified's a necessity, not an option, to maintain consumer confidence and avoid becoming a headline.

Growing adoption of mobile wallets and alternative payment methods requiring new fraud model adjustments.

The shift away from traditional credit cards to digital wallets and other alternative payment methods is accelerating, which complicates fraud modeling significantly. By mid-2025, 65% of U.S. adults were using a digital wallet, and global digital payment transactions are projected to hit $13.91 trillion this year. Fraudsters are smart; they follow the money and the path of least resistance.

We are seeing a clear pivot by bad actors toward less-guarded alternative payment rails. Based on Q1 2025 data, alternative methods saw the highest fraud attack rates:

• Loyalty Points/Rewards Programs: 6.19% fraud attack rate
• Financing Options (e.g., Buy Now, Pay Later): 5.15% fraud attack rate
• Prepaid Cards: 4.0% fraud attack rate

This trend means Riskified must defintely continue to invest heavily in its multi-product platform, which saw revenue growth from non-core products increase by approximately 190% year-over-year in Q1 2025, to cover this expanding risk surface.

Merchant focus on customer lifetime value (CLV), pushing for lower false decline rates.

Merchants are finally grasping that a false decline-rejecting a good customer as a fraudster-is far more costly than actual fraud losses. The global cost of false declines is roughly $443 billion annually, which dwarfs the estimated $48 billion in actual credit card fraud losses. You are losing a customer for life, not just a single sale.

Here's the quick math: it's estimated that every $1 in false declines results in a loss of $13 in future Customer Lifetime Value. Merchants are reacting to this reality, knowing that 42% of shoppers will boycott a brand after being falsely declined. This is why Riskified's core Chargeback Guarantee product, which shifts the financial liability for fraud-related chargebacks, remains so critical. It allows merchants to approve more orders with confidence, directly boosting their approval rates and protecting long-term CLV.

Metric	2025 Value/Projection	Implication for Riskified Ltd.
Global Cost of False Declines (Annual)	~$443 billion	Massive market opportunity for Riskified's Chargeback Guarantee to capture lost revenue.
U.S. Data Breach Average Cost	$10.22 million	Drives merchant demand for superior, AI-driven security to protect brand reputation and avoid fines.
US Adult Digital Wallet Adoption (Mid-2025)	65%	Requires continuous AI model updates to adjust for new fraud vectors in alternative payment methods.
Riskified FY 2025 Revenue Guidance (Midpoint)	$341 million	Financial capacity to invest in R&D to meet evolving social demands for speed and security.

Riskified Ltd. (RSKD) - PESTLE Analysis: Technological factors

The core of Riskified's business is technology, so the rapid evolution of artificial intelligence (AI) is both the biggest opportunity and the most immediate threat. You need to see the company not just as a fraud prevention vendor, but as a machine learning (ML) company in a constant arms race with highly sophisticated, AI-equipped fraudsters. The technological landscape is defined by the need for speed, scale, and continuous model adaptation.

Rapid deployment of generative AI and deep learning models for faster, more accurate fraud detection.

Riskified's competitive edge relies entirely on its deep learning models being smarter and faster than the criminals' tools. The challenge for 2025 is that fraudsters are now using generative AI (GenAI) to launch highly convincing, large-scale attacks. In the third quarter of 2025 alone, Riskified data showed that traffic originating from GenAI-powered shopping tools was 1.1-1.7 times riskier than typical search traffic, which is a significant spike.

To counter this, the company is integrating new AI capabilities to detect sophisticated policy abuse and synthetic identities. This shift requires a substantial commitment to Research & Development (R&D). For 2025, Riskified planned to boost its R&D spend by approximately 20% while keeping total expenses flat, a clear signal of where the capital is being prioritized. The company's non-GAAP gross profit margin improvement is directly linked to meaningful improvements in its core machine learning models.

• AI Agent Approve: New tool to safely accelerate AI shopping agent adoption.
• AI Agent Intelligence: Dashboard for monitoring orders from AI agents.
• ML Model Improvement: Driving a 1% improvement in non-GAAP gross profit margin in Q3 2025 versus the first half of the year.

Need for real-time decisioning at scale, processing millions of transactions in milliseconds.

The modern e-commerce environment demands instant decisions; a delay of even a few seconds can lead to a lost sale. Riskified's platform is built around providing real-time decisions, which is critical for its Chargeback Guarantee model. The system uses unsupervised machine learning to detect new fraud patterns and take immediate action, ensuring high approval rates without incurring losses.

The sheer scale of transactions Riskified must process annually is immense, requiring a platform that can handle peak shopping events like Black Friday and Cyber Monday without a hitch. The Gross Merchandise Volume (GMV) processed by Riskified for the first nine months of 2025 reached $108.4 billion, already exceeding the $100 billion+ annual scale. The entire platform's value proposition rests on its ability to analyze the individual behind each interaction and provide an instant, accurate risk assessment.

Intense competition from large payment processors and in-house merchant solutions (e.g., Amazon's internal tools).

Riskified operates in a fiercely competitive market, facing off against two major forces: massive payment processors and the in-house solutions of its largest potential clients. The scale of the competition is staggering, and it's a constant headwind.

Here's the quick math on the scale difference:

Competitor/Metric	2025 Payment Volume/Scale	Fraud Detection Capability
Riskified (9-Month GMV)	$108.4 billion	Proprietary AI, Chargeback Guarantee
Stripe	$1.05 trillion (Total Payment Volume)	ML system analyzed over 2 million transactions per second
Adyen	$1.08 trillion (Total Processed Volume)	AI-driven tool with 98% accuracy

Major payment processors like Stripe and Adyen embed their own AI-driven fraud tools, like Stripe Radar, directly into their core services. They have a massive data advantage, processing volumes that are nearly 10 times Riskified's GMV. Plus, large enterprise merchants like Amazon use their own proprietary systems, such as Amazon Fraud Detector, which is a fully managed service leveraging 'over two decades of Amazon's expertise' to build tailored fraud detection. This means Riskified must consistently demonstrate superior accuracy-reportedly outperforming some competitors by a factor of 2-3 in head-to-head pilots-to justify its standalone fee.

Investment in cloud infrastructure to handle the projected $100 billion+ in GMV processed annually by 2025.

To support its real-time, global platform, Riskified relies heavily on hyperscale cloud providers. This is a capital-efficient model, but it makes the company dependent on the technological roadmaps and pricing of giants like Amazon Web Services (AWS), with whom Riskified is a partner. The entire cloud ecosystem is in an AI infrastructure arms race, with Amazon projecting an investment exceeding $75 billion in 2025 to scale its cloud-based AI computing services.

Riskified's focus is not on building data centers, but on optimizing its platform within this massive infrastructure. The company's recent achievement of the AWS Consumer Packaged Goods (CPG) Competency in October 2025 shows a commitment to deepening these cloud relationships and tailoring its solution to specific, high-volume industry verticals. This reliance on a third-party cloud is a key risk: any downtime or significant price hike from a major provider could immediately impact Riskified's operational efficiency and gross margins.

Riskified Ltd. (RSKD) - PESTLE Analysis: Legal factors

You need to understand that the legal landscape for a FinTech like Riskified Ltd. is a constantly shifting compliance cost, not just a static set of rules. The core risk is that as fraud detection becomes more sophisticated, so does the regulatory scrutiny on how you handle the underlying data and who bears the financial liability. This arms race against financial crime directly translates to higher legal and compliance spending for the company.

Stricter enforcement of global data residency and privacy laws (e.g., EU's GDPR, US state laws like CCPA)

The regulatory environment for data privacy is getting tighter, and this impacts Riskified's global platform, which relies on analyzing vast amounts of cross-border consumer data. In the EU, the Digital Operational Resilience Act (DORA) came into force in January 2025, which increases the oversight required for all third-party Information and Communication Technology (ICT) providers, including fraud prevention vendors like Riskified. This means more rigorous audits and mandatory incident reporting, directly raising the cost of doing business in Europe.

In the US, state laws like the California Consumer Privacy Act (CCPA) and its successors continue to expand consumer rights, creating a patchwork of compliance requirements. The trend in 2025 is a surge in data privacy litigation, with plaintiffs' firms increasingly targeting financial services companies that use third-party data tracking technologies (like pixels and SDKs) on their websites and apps. While not a direct fine, this litigation risk forces Riskified to invest more in legal counsel and data governance to ensure its merchant clients are not exposed by its tools.

Here's the quick math on the financial crime landscape that drives this regulatory push:

• Global financial crime cost is estimated at up to $2 trillion annually.
• Non-compliance risk is real: Revolut was fined €3.5 million in 2024 by the Lithuanian regulator for AML control failures.
• Riskified itself mentions incurring substantial legal and financial compliance costs as a public company.

Evolving liability shifts in card network rules, impacting who bears the cost of chargebacks

The liability landscape for e-commerce fraud is moving rapidly, and this is where Riskified's core 'Chargeback Guarantee' product shines, but also where its risk is concentrated. Chargebacks are surging globally, driven by the rise of card-not-present (CNP) transactions and first-party fraud (friendly fraud). Global chargeback volume is predicted to reach 261 million transactions in 2025, with a total value of $33.79 billion.

Card network rules are evolving to push more accountability onto merchants and their service providers. Visa's Acquirer Monitoring Program (VAMP), for instance, has tightened enforcement by factoring in both chargebacks and fraud reports when assessing a merchant's risk profile. This pressure on merchants makes Riskified's guaranteed model more attractive, but it also increases the financial exposure on Riskified's balance sheet if its AI-powered fraud detection algorithms fail. Mastercard projects that chargebacks will increase by 24% by 2028, which tells you this liability pressure is a long-term trend.

This is a clear opportunity, but it's defintely a risk, too.

Chargeback Metric	2025 Global Forecast (Source: Datos Insights)	Implication for Riskified
Chargeback Volume	261 million transactions	High volume validates the need for AI-driven, scalable solutions.
Chargeback Value	$33.79 billion	The significant value increases the financial risk under the Chargeback Guarantee.
Projected Growth (2025-2028)	24% increase	Sustained growth in liability risk supports long-term product demand.

Increased regulatory pressure on Anti-Money Laundering (AML) and Know Your Customer (KYC) compliance for FinTech partners

While Riskified is primarily a fraud prevention company, its integration with payment processors, banks, and other FinTechs means it is indirectly subject to their stringent Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations. The global regulatory framework is unifying and tightening in 2025. The EU's new AML Regulation aims to create a single rulebook across all member states, with the new Anti-Money Laundering Authority (AMLA) acting as the central supervisor for high-risk institutions.

The Financial Action Task Force (FATF) has also updated its guidance for 2025, placing a greater emphasis on beneficial ownership transparency and enhanced due diligence for virtual assets. For Riskified, this means its platform must not only detect payment fraud but also provide data that helps its partners meet these higher KYC/AML standards, especially as financial crime exploits sophisticated tools like deepfakes and cross-chain laundering. Failure to comply could lead to partners terminating contracts to avoid regulatory penalties, which is a significant indirect legal risk.

Ongoing legal battles over intellectual property (IP) for fraud detection algorithms

The fraud detection sector is a high-stakes arena where IP litigation is a constant threat because the core value proposition-the AI-powered algorithm-is proprietary and complex. Riskified has previously faced litigation, such as a putative securities class action filed in May 2022, which was dismissed in its entirety in June 2023, with the judgment now final. While the company states it is not presently party to any legal proceedings that would have a material adverse effect on its financial condition, the risk of IP disputes remains high.

The company's technology, which analyzes the individual behind each interaction to provide real-time decisions, is a prime target for IP challenges in a competitive market. The industry is in an 'arms race' against fraudsters who are leveraging Generative AI (GenAI) to launch sophisticated attacks; Riskified data shows that in Q3 2025, traffic from GenAI-powered shopping tools was 1.1 to 1.7 times riskier than typical search traffic. This rapid innovation cycle means new algorithms are constantly being deployed, increasing the likelihood of patent infringement claims from competitors like Signifyd Inc. or other players in the financial fraud detection software market.

Riskified Ltd. (RSKD) - PESTLE Analysis: Environmental factors

Growing pressure from institutional investors (like BlackRock) for transparency on data center energy consumption.

You need to understand that for a company like Riskified Ltd., which is a pure software-as-a-service (SaaS) provider, the bulk of your environmental risk is not in-house; it's in your supply chain-specifically, your cloud infrastructure. This is what we call Scope 3 emissions, and institutional investors are defintely scrutinizing it more than ever.

The biggest players, like BlackRock, are using their massive capital to drive change in the underlying cloud providers. For example, BlackRock's Global Infrastructure Partners made a $40 billion acquisition of Aligned Data Centers in 2025, signaling a direct investment in the energy-intensive AI infrastructure that powers your platform.

This means your cloud provider's energy mix-whether it's Amazon Web Services, Google Cloud, or Microsoft Azure-is now a material risk for Riskified. If your provider lags on renewable energy commitments, BlackRock and other major asset managers will eventually pressure you to switch or report more granularly. The sheer demand from the AI boom is pushing US data center power demand up by 22% in 2025, so the energy story is only getting louder.

Indirect impact from the carbon footprint of extensive cloud computing and data storage needs.

Your core product-AI-powered fraud and risk intelligence-runs on massive data sets and complex machine learning models. This requires extensive cloud computing, which carries a significant, albeit indirect, carbon footprint. The global investment in AI data centers alone reached $580 billion in 2025, surpassing new oil supplies, which tells you where the energy consumption is accelerating.

While Riskified itself doesn't own the servers, the environmental cost of processing billions of transactions to deliver real-time fraud decisions is a Scope 3 liability that investors are starting to quantify. This is a critical factor in maintaining your non-GAAP gross profit margin, which was 50% in Q2 2025, because future cloud contracts will inevitably factor in the cost of carbon.

Here's the quick math on the scale of the digital infrastructure you rely on:

Metric	2025 Data / Projection	Significance for Riskified Ltd.
Global AI Data Center Investment	$580 billion	Indicates the massive, energy-intensive growth of your core technology infrastructure.
US Data Center Power Demand Growth	22% increase in 2025	Higher operational cost and greater scrutiny on your cloud providers' energy sourcing.
Global Electricity Demand Growth	Forecasted 4% growth in 2025	Your demand is contributing to this global strain on power grids.

Increasing merchant focus on sustainable supply chains, which indirectly affects Riskified's merchant selection criteria.

Your e-commerce merchants are under immense pressure from their own customers to prove they run a sustainable supply chain. This pressure flows downstream to all their critical vendors, and that includes you as a fraud prevention partner. Simply put, a merchant's Chief Sustainability Officer now has a voice in who the Chief Technology Officer partners with.

In 2025, e-commerce brands are increasingly making a vendor's commitment to sustainability a top-three criterion in their selection process. [cite: 2 in first search]. They want partners who can demonstrate:

• Reduced carbon footprint from their digital operations.
• Supply-chain transparency and adherence to environmental standards.
• Use of AI to optimize logistics and reduce waste, which aligns with your core technology.

If you cannot provide clear, auditable metrics on your own digital footprint, you risk losing deals to competitors who can, especially with the 50 global merchants with annual Gross Merchandise Volume (GMV) above $1 billion that you serve. [cite: 12 in first search]

Demand for environmental, social, and governance (ESG) reporting, including data security practices.

The 'E' in ESG for a FinTech company like Riskified often overlaps with the 'G' (Governance) through data security and governance. Regulators and investors are increasingly viewing robust data security as a non-negotiable part of environmental and social risk management. Your financial filings for 2025 already cite 'increasing scrutiny of, and expectations for, environmental, social and governance initiatives' as a key risk factor. [cite: 7, 8 in first search]

The expectation for 2025 is for FinTechs to provide integrated ESG reporting. This means your data security practices-the foundation of your business-must be transparent and auditable. Your ability to maintain a strong cash position, which was $339.1 million as of Q2 2025, is directly tied to managing these non-financial risks effectively.

The core action here is to move beyond simply acknowledging the risk to quantifying it. Finance: start calculating your Scope 3 cloud emissions by year-end.