The Extract, Transformation and Load (ETL) process that cleans up the data and ensures data integrity, the data warehouse that acts as a scalable and reliable repository for data derived from many sources, and some form of search acceleration for large data volumes are all still needed, and an enlightened IT group is needed to install and maintain them.
Capabilities in the form of best practices, community-derived intelligence and other unique features or services that allow members of the community to gather intelligence and make more informed decisions.
Such software evaluates many parameters associated with each credit-card transaction, including specific details of the items being purchased (derived from their bar codes), to evaluate the likelihood of foul play in the form of a numerical risk score.