Fintech

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

Frequently Asked Questions (FAQs)

Darwinium combines real-time analytics, with the ability to proactively decision and act on intelligence as users transact. By integrating on the perimeter edge, fintechs gain visibility of complete user behavior across every interaction, helping to identify and isolate unusual patterns of behavior, bot attacks, fraudulent account creations, account takeover attempts, scams payments and abuse of business logic as it happens.

Darwinium does data classification, encryption and anonymization at the perimeter edge, better protecting businesses, their end users, and their personal data.

The advantages of this approach are:

By encrypting data on the edge, in front of web traffic, businesses are better protected from the risk of exposing unencrypted data.
Given that data is encrypted on the edge, via third-party CDNs, Darwinium has no access to logs or debugging tools that would permit us to access personal data.
CDNs by their very nature, have a network of servers and data centers that are geographically located nearer to an end user. This means that encrypted data can remain within that user’s geographical jurisdiction and directed to a designated local data server or sent to the business’s own S3 bucket.
Only the business that owns this personal data has the appropriate keys to decrypt it.
Darwinium uses a fully anonymized version of this data that can be processed globally for security and fraud prevention purposes. The original data is not recoverable.

In summary, by encrypting PII on the edge, the businesses we serve can better protect the security of their end users’ personal data, while complying with data residency regulations.

Darwinium helps financial institutions identify fraud across the entire customer journey, from detecting fraudulent new accounts at onboarding (created by bots or fraud farms), accounts using stolen or spoofed credentials, money mule activity, account takeovers, payment fraud, and potential authorized push payment (APP) fraud scenarios, all with contextual and intent-based insights to drive informed decisions.

Deployment is fast and flexible via a CDN deployment (Cloudflare, AWS CloudFront, Akamai), and mobile SDKs. We also offer a more traditional JavaScript tags-based implementation for single-page applications or single touchpoints. Fintechs can be live in days, not months. With a CDN-based deployment, fintechs can proactively configure new touchpoints from within the Darwinium portal, removing reliance on engineering resource.

The platform includes dashboards, investigation views, and historical journey logs. Analysts can visualize, label, and respond to risk with full transparency and audit trails. Darwinium also has an incident management capability that has been designed to provide additional context and visibility of customer interactions to both security and fraud teams while speeding up the triage, investigation and remediation of threats. With AI-by-design features it enables a 360 degree view of risk to elevate decisions from point-in-time to a true cyberfraud prevention workflow.