Identify and Remediate Against Authorized and Unauthorized Fraud in Real Time
Protect the Entire Customer Journey
As well as the standard high-risk touchpoints of onboarding, login and payment, secure additional touchpoints in the user journey including change of details, new beneficiary creation and new channel registrations.
Identify Behavior Indicative of Scams
Combine transaction intelligence such as unusual login patterns, remote access attempts, payment anomalies and beneficiary intelligence, with behavioral analytics and behavioral biometrics to detect signs of coercion.
Streamline Account Access for Returning Users
Recognize returning users even if they wipe their cookies or use private browsing, by matching their device and behavioral analytics profile. Reduce unnecessary authentication to improve account access on web and mobile.
Consolidate Multiple Sources of Intelligence
Orchestrate multiple data sources into a single source of truth, via pre-built integrations in the Darwinium Marketplace for additional authentication services, email intelligence, identity verification and case management.
Go Beyond Understanding Digital Identity, to Verifying User Intent
Despite robust authentication and fraud prevention protocols, fraudsters continue to target onboarding, login, and payment journeys, looking for new vulnerabilities as high-risk touchpoints are shored up. Increasingly this is the customer themselves, with authorized push payment (APP) fraud climbing globally. Darwinium helps retail banks uncover new patterns of behavior across the entire customer journey to detect subtle signs of coercion and social engineering.
The Darwinium Difference
Separate Trust and Risk with Darwinium Digital Signatures
Digital signatures for both devices and behavioral biometrics enable banks to gain new levels of insight and surety when validating online transactions and user journeys. These signatures can be compared with previous signatures to identify returning users or high-risk behaviors even when device or behavioral elements have changed from previous transactions.
Fine-Grained Fraud Intelligence With No Missing Data
Darwinium combines layered native profiling of the network, device and browser with the ability to call out to any third-party APIs to conditionally enrich risk decisions. Profiling is served with the page, so it can achieve 100% profiling availability, ensuring no ‘unknown sessions’ or missing data that can blight user recognition rates and impact fraud detection rates.
Integrate Multiple Data Sources with Ease
Pre-integrated third-party solutions are available through the Darwinium Marketplace, which enables banks to easily add new data sources, new services and internal capabilities from their own systems. Additional data sources can be ingested with no-code templates and custom-code options. Consolidate intelligence and remove unnecessary data siloes with ease.