Case Study - Go Tyme Bank

“We chose Darwinium as our strategic partner due to their ability to provide protection throughout the customer journey and the ease of integration compared to our incumbent provider.”
— Aaron Foo, Chief Product Officer, GoTyme Bank


Proactive Protection at Scale: How GoTyme Bank Strengthened Fraud Defenses with Darwinium

Safeguarding Millions of Banking Interactions in Real Time

Discover how GoTyme Bank, one of the fastest-growing digital banks in the Philippines, partnered with Darwinium to proactively stop fraud, protect customers, and achieve regulatory compliance—without sacrificing user experience.

Key Results at a Glance

• 100M+ monthly interactions safeguarded across critical banking touchpoints
• Thousands of fraudulent logins blocked before harm could occur
• High-risk accounts closed proactively to prevent misuse
• Significant drop in Suspicious Activity Reports (SARs) from partner institutions
• Ongoing compliance with Anti-Financial Account Scamming Act (Republic Act No. 12010)

About GoTyme Bank

A collaboration between the Gokongwei Group and Tyme, GoTyme Bank is transforming digital banking for Filipinos through simplicity, security, and beauty. Since launching in 2022, the bank has:

• Onboarded 7+ million customers
• Reached 130+ countries
• Achieved an industry-leading +78 NPS (Forrester, 2023)

The Challenge: Evolving Fraud Tactics in a Rapidly Growing Bank

As GoTyme scaled, so did the sophistication of fraud threats targeting its ecosystem. Traditional transaction-based detection could no longer keep pace. The bank needed a holistic, AI-driven approach to prevent emerging risks—without disrupting trusted customers.

The Solution: Continuous, Real-Time Protection with Darwinium

GoTyme Bank chose Darwinium for its unique ability to deliver fraud prevention across the entire customer journey—from account origination to fund transfer.

Darwinium’s cloud-native platform was deployed seamlessly, enabling GoTyme to:

• Protect multiple digital touchpoints with no-code configuration
• Combine device and behavioral intelligence into a unified fraud defense
• Adapt rapidly to new threats with minimal engineering effort
• Maintain regulatory compliance through enhanced visibility and auditability

Strategic Outcomes

1. Proactive Threat Mitigation

• Thousands of fraudulent login attempts intercepted monthly
• High-risk accounts flagged and closed before exploitation
• Behavioral analytics used to identify mule activity and anomalous behavior

2. Regional Fraud Reduction

• Reduced Suspicious Activity Reports (SARs) from partner institutions
• Enhanced trust and collaboration across the financial ecosystem

3. Operational Efficiency

• Fraud teams freed from repetitive review tasks
• AI-driven analytics surfaced new fraud patterns for faster investigation

4. Seamless Customer Experience

• Real-time protection that doesn’t add friction
• Continuous monitoring without interrupting trusted users

Why Leading Banks Choose Darwinium

Darwinium enables financial institutions to detect, prevent, and respond to fraud in real time—at scale.

• Edge-based deployment ensures faster decisions and less latency
• Behavioral biometrics + device intelligence deliver unparalleled accuracy
• No-code orchestration simplifies protection across multiple channels
• Compliant, flexible, and scalable for fast-growing digital banks

The Future of Proactive Protection

With Darwinium embedded across key journeys, GoTyme Bank continues to evolve its defenses against next-generation AI-powered fraud—proving that security and user experience can thrive together.

Together, GoTyme Bank and Darwinium are redefining fraud prevention for the modern digital economy.

See How Darwinium Can Protect Your Business

Experience the same proactive, real-time fraud defense trusted by leading digital banks worldwide.