Darwinium continuously analyzes user interactions across complete customer journeys, looking at behavioral patterns, device intelligence, network data and identity information to detect anomalies and signs of compromised accounts in real time. This helps to identify returning customer with pinpoint accuracy, while medium and high-risk interactions can be flagged for additional authentication checks, or blocked.

Yes, Darwinium is designed to look beyond traditional identity data, to pose questions about user intent. This helps banks to understand whether customer interactions are consistent with previous patterns of trusted behavior, or are displaying signs that have been linked to known scam payments. These might include indicators about remote access software, unusual login patterns or velocities, unusual session timings, live call detection, and unusual payment volumes or velocities.

Many mule herders use app cloning to run multiple mule accounts from a single device, cloning the app to bypass basic controls and scale their operations undetected. We’ve observed this MO across multiple customers and are actively partnering with them to detect and block cloned app activity at the perimeter, reducing downstream manual reviews and minimizing the volume of Suspicious Activity Reports (SARs).

No - Darwinium can run risk decisions at the perimeter edge, minimizing latency and ensuring a seamless experience for trusted users while helping you to apply appropriate friction only where necessary.

Yes, Darwinium offers native SDKs for Android and iOS, enabling rich behavioral and device profiling within mobile banking experiences.