Arvato Financial Solutions (AFS) represents the professional outsourcing of financial services and integrated commercial management. In the business unit Risk Management AFS supports all risk- and profit-oriented decisions along the customer lifecycle. risk solution services (rss) represents a holistic risk management solution. This e-commerce industry solution allows an evaluation of the profitability of your customer relationships through an early identification of credit and fraud risks. With an active payment method selection you can offer your customer only appropriate payment methods according to their risk profile – online and in real time.