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For a card-acquiring fintech (~12M authorizations/mo), Payment Cryptography + PCI-scoped account cut a modeled $18k/mo from the HSM rack lease, and fraud review queue p95 went from 2.4s to 380ms after an EventBridge Pipes idempotency fix.
Palaniappan PRules 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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