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For a card-acquiring fintech (~12M authorizations/mo), Payment Cryptography + PCI-scoped account cut HSM rack lease −$18k/mo — fraud review queue p95 2.4s → 380ms after EventBridge Pipes idempotency fix.
Rules engines miss fraud rings that mutate weekly. Graph + vector queries don't. A July 2026 production guide to Neptune Analytics — m-NCU sizing (including 32/64 pilots), pause-at-10% cost control, WCC fraud rings, and GraphRAG-ready vector indexes.
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