
Fintech
Protect Every Digital Interaction in Fintech. From Onboarding to Account Security
Protect Every Digital Interaction in Fintech. From Onboarding to Account Security
Stop fraud before it starts. Darwinium empowers digital-first fintechs with adaptive, real-time fraud and risk decisioning across the entire customer lifecycle, without slowing down good users.
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Use Cases Darwinium Solves for Fintech
Darwinium is a cyberfraud prevention platform that helps fintechs to evaluate risk continuously across the entire customer lifecycle, from login to logout. By analyzing user behavior and customer intent signals, we help you make smarter, real-time decisions that protect your customers, and their accounts.
New Account Fraud
Detect and block fraudulent account creations from bots, identify behaviors indicative of synthetic identities and mule accounts. Harness browsing behaviors prior to account application to detect high-risk behaviors.
Account Takeover (ATO)
Continuously monitor user accounts for signs of compromised credentials, unusual behavior patterns, and changes in device or network context to prevent unauthorized account access in real-time.
Payment Fraud
Evaluate each transaction against behavioral and contextual baselines to identify anomalies, intercept fraudulent - or potential scam - transfers, and prevent downstream losses.
APP Scams
Detect authorized push payment (APP) fraud, even when initiated by the legitimate user, by identifying signs of coercion, social engineering, remote access, and anomalous payment behaviors.
Transaction Risk Analysis
Support compliance with PSD2 by assessing the risk of every transaction based on behavior, device, identity and network signals. Make precise, automated decisions on payments, transfers and account actions.
Ongoing Session Monitoring
Move beyond point-in-time checks with continuous session intelligence that flags mid-session threats, session hijacking, or behavioral drift throughout a user’s journey.
Behavioral Risk Analytics
Leverage deep behavioral analytics to distinguish between trusted customers and fraudsters by recognizing how users type, swipe, navigate, and interact with their device over time.
Bot and Automation Detection
Identify and block automated attacks, including credential stuffing, fake account creation, and scripted transactions, by analyzing patterns that deviate from genuine human behavior across channels.
Transform the Way You Detect and Prevent Fraud
Protect Vulnerabilities in Business Processes
While fintechs grew up digital-first, they have also developed new onboarding experiences and payment platforms that fraudsters exploit. Protect every touchpoint in the digital journey without the forklift install.
Streamline Onboarding Without Compromise
Isolate and block malicious automated bots and human click farms from developing fake accounts. Streamline the integration of third-party authentication and KYC checks for a slick onboarding experience.
Secure the Entire Customer Journey
Understand trusted user behavior from login, through change of details, adding new beneficiaries, making and receiving payments. Monitor interactions on a journey-level rather than at moments in time to detect unusual behaviors.
Tailor Unique Customer Experiences
Digital-first customers are looking for tailored user experiences that delight rather than insult. Prevent your best customers from jumping through unnecessary authentication hoops. Recognize loyalty to protect lifetime value.

Unify Intelligence and Analytics to Better Protect the Complete Customer Journey
Digital wallets, cryptocurrencies and neo-banks are key targets for fraudsters looking to exploit gaps in business processes, putting digital-first strategies to the test. Darwinium unites operational siloes and gaps in digital journeys to future-proof cyberfraud prevention.
Darwinium creates a single view of the customer that can be used by multiple business units. At the network level, security teams can make more context-aware risk decisions. Fraud team gain deeper visibility into user intent across each digital interaction. CRM and marketing teams can use behavioral insights to tailor experiences on a per customer basis to build loyalty and trust.

Harness browsing behaviors prior to new account application to detect high-risk / anomalous behaviors. Identify and block account creations from bots or fraud farms to ensure streamlined onboarding for legitimate customers. Integrate additional intelligence from plug-and-play third-party services, or any bespoke services via the Darwinium API.
Fintech Fraud Prevention Powered by Behavioral Intelligence
Darwinium’s edge-based architecture helps fintechs see the full context of user behavior, identifying coercion, compromised accounts, and fraudulent AI agents in real-time, empowering businesses to act instantly without compromising customer experience.
Since implementing Darwinium, we’ve seen a significant improvement in our ability to detect and respond to suspicious activities - particularly around account takeover, mule detection and payment fraud scenarios. The real-time alerts, device intelligence, and behavioral analysis have proven to be extremely effective in helping us safeguard our customer accounts.

D'fiama Pandiyan
Fraud Operations Lead at Boost

Casestudy
Fintech Case Study: Reducing Friction For Good Customers
Asaas, a Brazilian fintech specializing in business banking, was struggling to verify its online users’ authenticity. Discover how Darwinium improved customer trust and 94% of returning users received a positive trust score using Darwinium models
Dcwnload the Case study