Alternatives to RiskSeal

Peach Finance is an API-first lending technology platform that helps fintechs and financial institutions quickly launch and easily migrate lending programs. Peach provides a loan management system with more than 250 configuration variables, giving lenders the ability to stay nimble and adapt—even at scale. Peach also offers end-to-end, fully-integrated loan servicing capabilities. This includes payment processing, a white label borrower portal and a lending-specific CRM. Also included are omnichannel communications, data and insights, first-party collection tools, and Compliance Guard™. Peach's integrated suite of cloud-native products can be used to support virtually any asset class, including BNPL, credit cards, cash advances, personal loans (installments or lines of credit), retail installment agreements, business loans and novel constructs. Peach was founded by leaders from top fintechs like Avant, Affirm, and Prosper.

Fraud.com's aiReflex is a digital risk and trust solution designed to simplify your fraud defences, making life easier for you and safer and fairer for your customers. aiReflex determines which transactions are legitimate in real-time using a multi-layer defence coupled with explainable AI to fight fraud and improve customer trust. Everything you need to eliminate transactional and application fraud, including: - Transactional Orchestration - Adaptive Rule Engine - AI Engine (Supervised and Unsupervised Machine Learning) - Simulation Engine - Dynamic and static lists - Journey-Time Orchestration - OmniChannel Case Management - Centralised Fraud Reporting Contact us at fraud.com on how we can help you improve your fraud defence while reducing costs and improving customer experiences.

SEON gives you insights into every interaction, order, account, transaction, opportunity. Stop fraud before it happens with unbeatable speed, scale, depth, and breadth. Uniquely combining open data from digital and social media, phone, email, IP, and device lookups in real-time. Giving you accuracy and a true picture of what a real person looks like today. Intelligent risk scoring with AI and machine learning adapt to how different businesses evaluate risk. You get full visibility and complete control of how AI decisions are made, try SEON with low risk and high rewards. SEON provides a comprehensive end-to-end fraud prevention solution, including Anti-Money Laundering (AML). Make it hard for fraudsters to beat. Uncover fraud patterns and discover revenue opportunities.

Instant Bank Verification is a real-time, user-permissioned service that enables lenders to verify their financial data and aggregation. What can you do with IBV Verify identities of users and reduce fraud. Verify account balances in real-time. Verify employment and understand income. Access transaction history. You can verify the assets of borrowers right from the source. Flexible pricing allows you to only pay for the services you use, making IBV a great choice for loan originations. IBV is ideal for short term lending, retail loan origination, auto financing, property rentals, and other purposes. IBV is powered via an easy-to-integrate web portal that can be added to your existing website or a fully document API. Check out our demo to learn more about IBV.

TurnKey Lender, a one-stop lending platform, is used by creditors from 50+ countries to automate their entire operation. The platform allows lenders to grow their business profitably while reducing operational costs and risk. It's an AI-driven SaaS which automates 90% of all lending process and gives B2C andB2B lenders a competitive advantage. TurnKey Lender Platform offers several pre-configured solution packages, including Commercial, Consumer Pay Later, Auto Leasing, Mortgage, Factoring, Leasing and Mortgage. TurnKey Lender was developed in constant collaboration with lenders around the world. It is a sophisticated solution that addresses real-world digital lending challenges.

All your customer management needs can be met with a fast and flexible decision engine. Paris is easy to use and adopt due to its intuitive user interface. Paris is a highly configurable and flexible decision engine system that allows for maximum flexibility and growth. You can implement models, both machine learning and traditional, across multiple products and decision science applications. These include marketing, credit scoring, customer management, collections, and marketing. It can be audited with all input, derived, and output variables available to any reporting suite. Software that is flexible and business-oriented Visualization and interaction with decision trees Analysis and design of an 'open box strategy'. Continuous improvement and strategy testing Route planning and decision making that is reliable and accurate. Multi-bureau and open bank support.

Your borrower's rent payment history may be used to unlock homeownership eligibility for the first time. Get more opportunities with our verification of asset report (VOA), which includes 12 months rent payment history at no additional charge. The pioneer in digital asset verification. AccountChek has been helping borrowers avoid the paper chase in obtaining loans for over 10 years. Direct-source financial data is sent directly to lenders by borrowers in an easy-to-understand format that reduces errors, delays, and fraud risk. Real-time information about borrowers' assets and income allows for better credit decisions and promotes inclusion by offering lenders an alternative to traditional credit scoring. Real-time data allows for better credit decisioning, reduces underwriting and processing times, and promotes financial inclusion.

Our solutions adapt machine learning to your business. The digital marketplace has made it easier for consumers to shop for new or used vehicles. Auto lenders and financiers are under pressure to lower prices and take on more risk in order to increase originations. Businesses in automotive finance need to be able to offer compelling offers to customers in order to succeed in this highly competitive market. Online banks are disrupting the banking industry by offering innovative financial products without the overhead costs associated with physical locations. Banks must digitally transform their operations to reduce new risks like synthetic fraud and expand into the near-prime market in order to remain competitive in this environment.

Wiserfunding is dedicated to helping you navigate through the complex world of SME Credit Risk Management. Our mission is to empower lenders in the UK and EU with accurate and fast lending decisions. Access the latest management information, details of company structure, and insights into corporate governance. Financial data from the last decade is available, along with trend graphs and instant financial ratios. Use macroeconomic indicators specific to a region, such as GDP growth, default rate, inflation, bank rates and unemployment rates, to create a more accurate and forward-looking risk assessment. Automated tools can help you find, screen and evaluate new business using current data, rather than just filed accounts.

Digital Platform, Information, Transformation Services, Outsourcing & Processing, Credit Reporting Agency Services, Personal Solutions. CRIF.Digital provides solutions that will allow your company to improve and speed up digital transformation, increase customer experience online, and boost business growth. Credit Bureau and Data Pool, Business Information and Big Data, Identification and Antifraud Services and Property Information, Insurance Services, Information Bureau Platforms. International-level experts and professionals have the know-how, expertise, regulatory compliance, and analytical capabilities. They also have the latest IT knowledge and technologies. Comprehensive solutions that include big data analytics, risk management consulting, and an end-to-end credit management system.

Covalent is a cloud-based loan-originating system that offers digital onboarding for consumers, commercial and mortgage requests, automated underwriting, credit structure, compliance management including HMDA data collection, adverse actions letter management, fully integrated early disclosure, closing documents, including TRID and core import/export. Our system is so intuitive, your associates will be able to use it almost immediately. Your users can be trained in just a few minutes. Your analyst is your guide! You can modify the loan origination automation process to reflect changes in your lending policy without having to involve software developers. C2 Covalent's ease-of-use, predefined product types, and modules are a big hit with lenders. Spend less time training and more on customer relationships. Flexibility in reporting, increased customer share of wallet and significant time savings for your analyst.

TruValidate™, which links proprietary data, personal data and online behavior, provides a complete and accurate view of each consumer. Our global network of fraud reporting and advanced insights help businesses identify anomalies, assess risk, and confidently identify good customers. This allows you to protect your company and instead focus on providing frictionless, personalized and effective experiences. To expose fraud risks, verify user identities against robust, global data sets. With customized solutions that are appropriate for each transaction's risk level, you can secure every step of the consumer journey. Reduce operational costs by identifying fraudulent transactions and risky transactions in real-time.

To better serve 3 billion consumers who are underbanked, we offer AI-powered credit risk, identification, and acquisition solutions to the lending sector. Our powerful suite of Big Data, AI credit score, and fraud score allows us to rethink financial products, and tap into the underserved segments. You can digitally onboard customers anytime, anywhere. You can detect fraud and enable secure transactions using advanced facial recognition, AI fraud detection, and ID crossing-validation. With a frictionless digital lending experience, you can target millions of creditworthy but underserved customers. You will get 10x higher disbursal rate and a frictionless digital lending experience. All data is kept and processed in the partner's data centre. All data inputs and outgoings are under the control of the partner. Only anonymized, aggregated, and mask data is processed by us. We do not use any personal information about data subjects. We adapt and implement processes and systems in compliance with GDPR and other local laws regarding data security and privacy protection.

Our financial software solutions provide a fully integrated wholesale banking approach while focusing on the institution side of banks. While wholesale banking accounts account for more than half of a bank’s income, most processes are manual and customer service is poor. Decisions can also take a while to make. Our AI-enabled solution covers all aspects of commercial lending and turns your bank into a Fintech. Digitize your entire SME lending process to make smarter and faster credit decisions. Our AI-powered credit management platform digitizes your entire SME lending process, from initial onboarding, scoring, credit bureau integration, disbursements, and ongoing servicing. This allows you to save time, enhance your customers' banking experience, and make smarter financial decisions through AI-driven prioritisation.

We make it easier to protect your company from financial fraud and digital identity risks. We are former in-house risk managers and fraud specialists and we know the complex threats your company faces every day. We have the best platform to address your digital risks. Do you take a proactive approach to fraud prevention? Do you feel like you are always behind? You can identify online fraud threats and take control of your fraud management options with our comprehensive portfolio. Our award-winning technology analyzes the risk of every transaction and returns a real-time assessment. It uses criteria such as location data, device intelligence, behavior analysis and customer attributes. We also use payment information and information about purchase and related transactions. We then use state-of the-art machine learning models and established guidelines to identify good customers, reduce manual reviews, and highlight potentially risky transactions.

Every business relationship has risks. Every phase of the customer's lifecycle is your responsibility. The GUARDEAN riskSuite is a modular platform that allows you to automatically manage all risk-relevant customer processes. This includes the application decision and the calculation of the collection probability for receivables management. Even with high volumes of applications, you can make quick, transparent and profitable credit decisions. We provide a quick, simple, and cost-effective solution to your information requests. The GUARDEAN riskSuite supports all legal guidelines and regulations, as well as those that are based on KYC, CDD and AML, as well as terror lists and sanctions (e.g. PEP The Fraud Check detects common fraud patterns automatically and reduces collection costs and defaults.

Fraudsters exploit operational silos and point-in time solutions, leveraging AI tooling and the latest AI technology without the burden of regulation and release cycles. Darwinium is the latest innovation in digital security. It shifts the balance in favor of business. Access the best data at the right moment, with the correct context and the tools to remediate. Combining fraud analytics and journey orchestration allows you to take action in real-time on evolving threats. Real-time and historical customer intelligence across all your digital assets. Capture user behavior, intelligence, and network data related to devices, locations, and identities over complete journeys and not just moments in time. Conditionally enrich your risk decisions by adding any additional data based on cost, risk and effectiveness. Use our proprietary digital signatures for comparing elements of the current user journey with past behavior. Orchestrate seamlessly any third-party APIs.

The future where errors and inaccuracies can be eliminated using cutting-edge artificial intelligence, go-to market is faster and easier, customer acquisition is faster with tailored lending products, elevated experiences, and this is called Lentra. Lentra, a brand-new domain-native platform, was built from the ground up. It was designed and developed to meet all the needs of any financial institution. Ready-to-use, with quick deployment and curated journeys. Microservices architecture that allows for custom customer journeys. No CapEx with pay-per-user/transaction SaaS model. With dedicated data centers, it is always-on. In-built industry-grade secure infrastructure. API-driven for rapid 3rd party integrations. Horizontal scaling allows for growth. Lentra offers a range of solutions that cover all aspects of a financial institution's lending needs, including personal loans and credit cards.

Bad actors are highly interested in user credentials. Verosint helps companies deliver trusted online experiences by detecting and preventing account theft, new account fraud and account sharing attempts. Your digital business is at stake if account security is not properly strengthened. Interact with customers confidently, no matter what device or platform they use. Verosint allows your customers to enjoy a low-friction, seamless transaction path. It also stops suspicious users from creating a new account or logging in. Our patent-pending technology uses machine learning to analyze millions of data points and turn them into actionable insights. Verosint is cloud-native, built for scale, and works in the background, assessing risk and orchestrating account security and fraud control so quickly that you won't even know we are there.

Open finance platforms that scale to your specific needs will help you strengthen your market position. Our end-to-end SaaS software will help you modernize and enhance your automotive finance operations. It will also allow you to offer high-quality customer services. Is it possible to create a loan origination process that nurtures customer relationships and automates manual tasks for you team? Are you a lender who is drawn to products that do more for customers? Create a better financing experience for your customers and grow your business with the support of our software-as-a-service (SaaS) lease and loan origination software (formerly known as Rapport and CALMS). Solifi's Originations software automates the entire process from the first customer interaction to quoting, credit decisioning and documentation. You can quickly access your data and assess, report and respond to customer risks.

Provenir's AI-Powered Data and Decisioning Platform is an industry leader. It combines real-time data access, embedded AI, and world-class decisioning technologies to create an industry-leading platform. This creates a cohesive risk ecosystem that allows smarter decisions throughout the customer's lifecycle. It includes diverse data to provide deeper insights, auto-optimized decision making, and continuous feedback loop to improve both onboarding and when assessing fraud risk.

Use a single platform to gain access to unified consumer data from multiple sources including international credit bureaus and bank data aggregators. Access consumer-permitted financial data that is trusted to unlock new segments of consumers while maintaining your risk profile. Utilize data from multiple sources including credit bureaus and banks, payroll systems and documents, to optimize latency and increase coverage. Improve risk assessments and prevent fraud by using data from multiple sources. Automate income verification with more data sources in order to increase coverage, improve completion rate, and reduce fraud.

A self-learning solution that uses data modeling and machine learning to improve fraud prevention across multiple digital channels can help you reduce fraud. You can reduce threats such as account takeover, new account fraud and mobile fraud in real-time. Intelligent automation and precise risk scoring will reduce manual reviews and operational expenses. Real-time monitoring of transaction risk allows you to address PSD2 requirements. Protect your bank account and mobile accounts from digital fraud. OneSpan Risk Analytics can modernize your existing fraud solution. Risk Analytics analyzes large amounts of transaction, mobile, and application data in real-time to detect fraud in the online or mobile banking channels.

Resecurity Risk is a dedicated threat monitoring platform for brands and their subsidiaries, assets, executives, and employees. In less than 24 hours, you can import your unique digital identifiers to get instant updates of more than 1 Petabytes of actionable intelligence that is directly impacting you. If all active threat vectors can be ingested within our platform, and are from verified sources with accurate risk scores, security information and event management tools (SIEM), can help you identify and highlight critical events. Resecurity Risk is an omni-directional threat product that would normally require multiple vendors to resolve. To maximize the risk score of an enterprise footprint, integrate security solutions. Context™ powered by your data. A holistic approach to counterfeit monitoring and piracy for different industry verticals. Use actionable intelligence to prevent illicit distribution and misuse of your products.

Credit Pulse automates and digitizes the credit process. It reduces manual effort for credit approvals and continuously monitors portfolios for credit risk. Automated bank and trade references can reduce the time it takes to obtain references from weeks to minutes. Optimize credit allocation across all customers. Credit can be extended and restricted as the risk changes to reduce bad debts by 20%. Notify you of any changes, such as NSFs (non-sufficient funds), bankruptcies (bankruptcy), liens on bank accounts, and changes in credit scores. Manage your entire credit operations, from applications to approvals. You can also monitor your portfolio continuously for credit risk. Credit Pulse offers a streamlined application for credit with pre-filled business information, eliminating the usual 'back and forward'. Save over 1000 hours per year of manual work. The days of manually sourcing data from third parties are over. Credit Pulse centralizes 15+ reliable sources of data, including credit bureau reports. Credit Managers will feel more confident in making decisions, especially for SMBs.

ACTICO Platform is a powerful tool for intelligent automation and digital decisions. It combines human intelligence and artificial intelligence with automated technology. It is easy to quickly implement services and applications using a unified low-code platform. This allows you to adapt quickly to market changes. ACTICO Platform is easy to use and gives you more power for your business. The graphical development approach allows users to quickly build, implement, and adapt intelligent apps and services without the need for coding. ACTICO Platform is designed for agility. Companies can quickly launch new services and applications, and make all kinds of changes. They don't need IT support and don't have to wait for the next IT release. ACTICO Platform can meet even the most demanding performance requirements. The runtime components can seamlessly integrate into any IT architecture, whether it is legacy system, microservice architecture, or cloud environment.

FraudScore is an anti-fraud solution that was developed by a team made up of data scientists, digital marketers, and experts in ad fraud. FraudScore has been trusted by industry leaders since 2016. It works with both desktop and mobile traffic, providing protection against all forms of ad fraud. FraudScore uses a "fraud score" system to determine whether a decision is made. Every install, conversion, traffic source, offer, and other information is assigned a fraud score. This gives an evaluation of the likelihood and severity of fraud and a detailed explanation of fraud patterns. This unique approach allows clients to build strong fraud cases, explain their position for each incident, and also allows for negotiation. FraudScore is a full-stack platform that detects ad fraud at every stage of the ad funnel, from prebid requests, impressions, clicks analysis to installs and conversions scoring.

Kompliant provides end-to-end compliance through a platform that was developed in partnership with some of the most respected banks and payment processors around the globe. Kompliant's unique platform services make managing credit risk programs easier than ever. Kompliant Services can be used by finance, sales, and underwriting teams to create and implement their own compliance programs. Kompliant, Inc. is a leader in developing, launching, operating and maintaining innovative services for some of the most prominent card networks, banks, payments processors, retailers, and other financial institutions. Whitelabel services allow businesses to apply online for payment processing services using digital interfaces that are optimized for mobile, online, and other target environments.

Increase transparency and gain critical insight to reduce risk. This highly configurable solution allows you to easily replicate and automate your unique processes and procedures. Automated workflows support bureau and ERP integration, rule based workflows, tracking, monitoring, and ongoing monitoring. You can create unlimited online credit application templates to meet your business's unique needs. To ensure that critical data is collected and analyzed properly, you must create and delineate the required fields. Our process is connected with major credit bureaus, rating agencies, and other agencies to simplify decision-making. Your company's DSO can be reduced by improving the efficiency and productivity within the collections team. Our collections management software allows you to create and configure as many collections as you need and to manage disputes/deductions strategies to help you achieve your larger business goals.

Your customers expect a seamless experience. Our network intelligence and predictive fraud score scoring can help you create seamless user experiences. Emailage by LexisNexis®, is a powerful fraud risk scoring tool that uses email intelligence. Customers expect flexibility in how they can interact with you via multiple channels. They expect you to be able to identify them and give them quick, easy access to your system, regardless of whether they are using a smartphone or tablet, laptop, or another device. They also want to be sure that their personal information and account passwords are secure so that fraudsters can't take over their accounts. This is a difficult task. Your ability to assess the risk of digital elements is crucial with the increase in digital channels for consumers. This is especially true if you, or your organization, collects minimal personal information to speed up customer onboarding and reduce data exposure risk.

Ordinary check clearing options only verify legal and courtesy checks amount limits and return false positives. Kofax FraudOne®, a software that detects counterfeit checks, uses a unique fraud scoring engine. This engine can be combined with other verification engines to better detect complex fraud schemes. Flexible fraud detection methods can be used at the point-of capture and in-clearing to take advantage of new transaction options, such as mobile deposit. Reduce the time-consuming manual inspections required to identify valid and suspect items. Protect your customers from signature forgery and check alteration, as well as fraudster discrepancies. You can identify more suspect checks in a shorter time period and inspect all checks, not just high-value ones, with greater accuracy.

We empower banks and fintechs alike to harness the full power of technology. Wibmo's next-generation authentication platform will allow you to experience secure, frictionless payments. ACCOSA IIVS is a payment authentication platform that uses 3-D Secure 1.0 and EMV 3D Secure 2.X protocols to secure online payments. It provides seamless experiences thanks to its powerful Risk-Based Authentication engine. ACCOSA IVS is powered by the most advanced fraud prevention technology. It combines the power of EMV 3D secure protocol with a dynamic risk authentication engine to accurately calculate risks in real-time. Instantaneously detects and counters emerging threats. Implemented using scalable microservices architecture. It is designed to scale for high volume transactions. With intuitive analytics, it displays your growth story. The ACCOSA ID authentication platform combines all of our consumer identity verification mechanisms.

Score-based identity verification API to prevent fake identities, e-commerce fraud, and bad actors. - Top-Level Score - Phone Verification - Email Verification Address Verification - IP Verification

Every customer can be identified and trusted. Verify in a matter of seconds. Transact with confidence Identity verification solutions can help you increase conversion, fight fraud, and remain compliant. Location intelligence. The most accurate global location data enables address verification. Every customer deserves exceptional experiences, no matter where they are located. Verification of identity Identity verification without compromise. You can identify and onboard good customers. This will stop fraudsters from getting away with it and help you avoid fines. Fraud and compliance management. A customer-centric, multilayered defense against modern financial crimes that can help you stop losses in digital and traditional channels. There are solutions for every problem. It is difficult to do business when customer behavior changes, complex regulations and sophisticated fraud are involved. Our end-to-end solutions make this easy. Onboarding customers. Customers have higher expectations than ever. They expect intuitive and frictionless experiences

Enable a true one-tap login -- no OTPs, passwords, or magic links needed. We will securely verify your identity using KYC, OCR and AML and enrich the data to onboard high-quality users, while remaining compliant. Secure the entire checkout process with real-time approvals and monitoring of transactions, anomaly detection and fraud protection. Reduce risk, fraud and friction to convert potential customers into paying customers. Our ability to fight fraud increases with each interaction. Simple APIs speed up, protect and guarantee everything, from onboarding to checkout.

Moonsense helps customers detect sophisticated fraud schemes. It does this by providing immediate access and granular data to enhance fraud detection without adding additional friction for the user. User behavior and network intelligence are required to reveal a user's unique digital language, similar to a fingerprint. In a world of frequent data breaches, the digital body language of the user is uniquely able to detect the most challenging fraud types without adding friction to the user. Identity theft is a common type of fraud. During the account creation process, there is a pattern of behavior that is expected. By analyzing digital body language of the user, you can flag any accounts that are not normal. Moonsense's mission is to level the playing fields in the fight against fraud online. One integration gives you access to both user behavior as well as user network intelligence.

Cybercriminals thrive when there is no way to stop them. We share actionable information in real time and coordinate a global legal response to help victims of online fraud and scams. It is essential to increase cybercrime's cost and the risk for cybercriminals. Effective cooperation between companies and law enforcement is the only way to achieve this. Contact us today to be a part our fight against cybercrime. High-quality data that provides actionable intelligence on money mules. This includes Wallet Address, IBANs and email. Protect customers by improving rules, ML-models and additional insights. This will reduce false positives while still preventing fraud.

AuthSafe is an Account Takeover Prevention System. End-user trained risk-based authentication prevents cybercriminals from accessing compromised users and automates the account recovery process. Authsafe's Command Control Center. The company's AuthSafe dashboard is the command control center. The dashboard interface allows you to view information about the risk scores, threat signals and processed traffic of users' devices. API Device management: API AuthSafe provides APIs details to list the login device names. Customers can either create or use a pre-developed interface to list their devices. The user's intelligence will help secure devices by allowing them to be listed. Device analysis: End users can access digital services from multiple devices. AuthSafe conducts a cognitive analysis on the devices used to identify suspicious ones. Webhooks, APIs and Real-Time Alerts: The AuthSafe solution offers webhooks or APIs to communicate with customers.

RISK IDENT, a leader in software development, offers anti-fraud solutions for companies in the e-commerce and telecommunications sectors. We are experts in machine learning and data analytics. Our most important products are DEVICE IDENT Device Fingerprinting and FRIDA Fraud Manager. These include account takeovers, payment fraud, and fraud within loan applications. Our intelligent software products detect online fraudulent activity by automatically evaluating and interpreting data points. We provide real-time results that allow you to stop fraudulent attacks before they occur. Multiple awards, serious data security. The key to fraud prevention is the network and evaluation of all relevant data points at high speed. We deliver exactly that: Real-time identification of abnormalities.

Our merchants work closely with us to increase their revenue, improve their success rate, and avoid risk. 360-degree customer data analysis provides insight into the best payment methods for merchants. Customizable scoring uses payment rules, business rules and customer data to combine machine learning with payment rules to increase revenue, protect against fraud and avoid chargebacks. Analytics and data that are industry-leading to uncover actionable customer insights, drive revenue growth, increase conversion, and maintain long-term loyalty. Accept payments in 150 currencies and more than 220 payment methods across all channels, online, mobile and in-store. HiPay is a global payments platform. HiPay believes that payment is more than just transactions. We offer merchants a unique platform that allows them to get more out of their payment data across all channels. Increase conversion rates, increase revenue, and discover new opportunities.

ThreatMark leads in the fight against fraud by deploying behavioral intelligence to help financial institutions protect their customers from scams and social engineering fraud. ThreatMark detects attacks against the digital channel and defends against fraud before it happens. Other approaches to fraud detection are unable to do this. Not only does ThreatMark help our partners at financial institutions and fintechs combat fraud, it reduces false positives of existing fraud controls, lowers operational costs, and helps our partners from around the world retain customers and grow revenue. Traditional, transaction-based, fraud controls look at history. Authentication mechanisms look at what a user knows and what a user has. Both of these approaches are ineffective in defending against scam and social engineering. In scams, fraudulent payments are fully authorized by the legitimate customer, using their legitimate user id and password, typical device, and typical location. ThreatMark’s Behavioral Intelligence solution augments an institution’s fraud defenses by using largely untapped data from digital channel behavior and user + device interactions to detect transactions performed under stress or the influence of a fraudster.

minFraud, a data return service, helps businesses prevent online fraud. It provides risk scoring and data related to online transactions. Find out if minFraud is right for you. Based on machine learning models and human review, the riskScore is generated in less than half a second. The riskScore is generated from data containing over 3 billion online transactions, which the minFraud service screens annually on thousands of online businesses. An IP address is often all that is needed to evaluate certain types of online activity, such as account logins or affiliate or incentivized visitors or app installs. The IP Risk Score can be used to determine the IP risk and prevent bad activity. To improve IP risk scoring, we recommend that you use our device tracking functionality.

Digital identity verification, fraud detection, and regulatory compliance can be made more accurate by increasing location accuracy. Verify the user's location and compare it with compliance rules to make sure they are in the allowed area/zone. Increase user acceptance and stop fraud. To verify and validate the authenticity of a location, combine device, location, and identity intelligence. Analyzes all types of fraudulent activity, including jailbroken devices, emulators, and fake location apps. Protects against fraudulent activity such as account sharing, account jumping, and account takeover. Combines all geolocation signals, such as WiFi and GPS, with existing technology to increase the value of location data. It identifies sophisticated methods for location spoofing such as VPNs and data centers, anonymizers or proxies, and Tor exit nodes.

The combination of fraud-related theft and sophisticated cyber attacks is on the rise. It outsmarts legacy solutions more than 85% of time. Cyber fraud is not perpetrated by the same fraudulent actors as in the past. It is carried out by international criminal organizations that have significant resources and technical skills. FiVerity's machine learning layer enhances existing rule-based verification methods to identify these emerging threats. FiVerity's Cyber Fraud Network™ allows for secure communication of fraud intelligence between consumer lending organizations while protecting the privacy of individual consumer information. FiVerity allows financial institutions to collaborate in the fight against cyberfraud.

By leveraging Open Finance and bank statement data, DirectID help lenders understand their customers throughout the credit risk lifecycle, from onboarding through to collections & recoveries. DirectID Solutions include: AFFORDABILITY Automated transaction categorisation, instant insights and income verification for any customer with a bank account, all allows for more informed affordability assessments. IDENTITY Perform bank account validation checks to confirm identity, and then go beyond basic checks through our financial insights. ONBOARDING Remove onboarding friction caused by paper documents. Get seamless onboarding, verify asserted income and gather bank transactions with instant analysis in seconds. COLLECTIONS Create more informed collections programmes and better customer experiences with direct data insights. CREDIT RISK Don't rely on aged credit data and self-asserted income. Our real-time data insights supplement credit bureau reports to enable smarter credit risk underwriting. OPERATIONAL EFFICIENCY Reduce time spent on the phones and assessing documents. Connect directly to customer bank data and get automatically categorised transactions in seconds, whilst also reducing fraud.

The RDC Platform combines expert human knowledge with AI capabilities to give financial institutions an edge in lending. Our tooling is embedded with AI ethical principles, ensuring compliance. It allows lenders to visualize the logic behind each AI predictive model and strategy. Utilize traditional, alternative and latent data, along with the latest AI techniques, to make accurate predictions and reach optimal decision outcomes. We understand the need to safely leverage AI. We have developed a unique way to meet your safety objectives with confidence and transparency. This is called the Self-describing Decision. In a single object of data, each element is explained. All model features, all predictions, all reference information, and all rules are triggered. A self-describing choice is a record of all information used to produce a decision. Governance and explainability are baked into the system. Every time.

FraudGuard®, the most intelligent tool on the market today, leverages advanced analytics, defect trending, and audit trails that are essential for a compliant loan origination. FraudGuard has the most comprehensive data source and capabilities of any automated solution. It is the only quality assurance platform that can match this level. FraudGuard can provide top-quality analytics, backed by experienced product support and development teams. Lenders can rely on FraudGuard. The FraudGuard platform combines public, private, and proprietary data sources to help lenders identify fraud risk and make mortgage applications more efficient. It also helps them comply with regulations. The enhanced reporting of findings and recommendations provides the necessary insight to support loan decisions.

Top European banks chose Fraud Manager to implement their risk management solutions and fight fraudulent activity in France and abroad. Fraud schemes can be multi-channel and complex. Real-time behavioral analysis is used to assess the risk and respond immediately to fraud schemes. Automate the most advanced ML algorithms to detect outliers on a large scale. Analyze your data deeply, build customer knowledge, and flag suspicious behavior instantly. Fraud Manager was created to allow data analysts and risk experts to create and cross all business units indicators for risk assessment. You can create your strategies to address threats using a drag-and-drop interface that doesn't require programming. Fraud Manager's real time technology and explainable Ai allows you to assess and refine the relevance of your threat response strategies. Keep track of all fraud stopped and their impact on customers.

The ACTICO Credit Decision Platform provides data acquisition, risk scoring, and credit decisioning all in one integrated solution. ACTICO Credit Decision Platform - designed to allow real-time credit decisions and full auditability. The platform is highly scalable and robust for automating credit decisioning and origination processes. The platform is based on a powerful graphical decision management system that allows for the testing, simulation, optimization, and implementation of any bank-internal service, including pricing, risk scoring, and credit decisioning strategies. The decision services can be invoked via any inbound channel and seamlessly integrate with external and internal data sources.

Axe Credit Portal, axefinance’s powerful integrated software for loan origination automation, is available as a locally hosted solution or as a SaaS solution (cloud). Axefinance was founded in 2004 and is a global provider of software that focuses on credit management automation for financial institutions (traditional, Islamic, etc.). Looking for a competitive edge in productivity and customer support for all client segments: corporate, retail, and SME. axefinance is a trusted financial partner to respected global financial institutions such as Societe Generale and Al Rajhi Bank, Banque Internationale de Luxembourg, First Abu Dhabi Bank, and Banque Internationale de Luxembourg. ACP users enjoy increased profitability, greater productivity, and customer satisfaction, while staying current with ever-changing compliance regulations