Two partners with Komplett on AI risk-as-a-service

By Vriti Gothi

Two, a B2B payments technology, has partnered with Komplett to introduce a Risk-as-a-Service (RaaS) platform. With this launch, Komplett becomes the first enterprise in the Nordics to deploy real-time, AI-driven credit and fraud decisioning across its B2B operations in Norway, Sweden and Denmark.

The initiative comes amid a sharp rise in B2B e-commerce fraud, which is growing in both scale and sophistication. According to the 2025 AFP Payments Fraud and Control Survey, 79% of organisations reported attempted or actual fraud in 2024, while global e-commerce fraud losses are expected to more than double by 2029. High-value sectors such as electronics remain especially vulnerable due to large order volumes, extended payment terms and legacy risk controls.

Komplett’s adoption of Two’s RaaS platform represents a decisive response to these challenges. Built on an AI-powered, API-first architecture, the solution integrates fraud detection, credit scoring, identity verification and configurable risk policies into a single framework. This enables instant decisioning at checkout, creating a secure yet frictionless experience for buyers while safeguarding the retailer against financial losses.

Andreas Mjelde, CEO and co-founder of Two, said, “B2B fraud has evolved rapidly. What was once rare and opportunistic is now systematic, frequent and increasingly clever. With order values often exceeding €5,000, B2B payments have become a prime target. Our work with Komplett shows how AI-powered, real-time decisioning can strike the right balance between control and conversion – all without adding friction.”

The deployment also marks Two’s first enterprise rollout of its RaaS product, signalling its expansion into a market projected to reach $52.7 billion by 2031.

Anne Mari Huseby Le, Head of Credit at Komplett, said,  “The implementation process with Two has been seamless from start to finish. Together, we’ve built a robust, flexible solution that protects our business and delivers a smoother experience for our customers across the Nordics.”

By uniting payments, credit, fraud protection and risk management into a single digital infrastructure, Two and Komplett are redefining how B2B retailers in Europe safeguard growth in an increasingly complex fraud landscape.