In-Session Behaviour Monitoring for Financial Services

With digital products and services, your customer may not always be who they claim. Fraudsters take advantage of the anonymity of digital channels to commit fraud which rules-based fraud systems cannot accurately detect.

Data breaches are on the rise, and phishing, vishing and social engineering attacks are a constant concern for financial institutions trying to protect their customers. 

By analysing each customer’s behaviour in real-time with Adaptive Behavioural Analytics, organisations can quickly and accurately detect the subtle anomalies that indicate someone is acting out of character.

ARIC Fraud Hub uses In-session Behaviour Monitoring to capture a rich behavioural profile, via ARIC’s Javascript and Mobile SDK collectors, to quickly and accurately profile individual customer behaviour and prevent complex, multi-channel fraud attacks.

Benefits of In-Session Behaviour Monitoring

  • Build accurate behavioural profiles of each customer
Understand each customer’s behaviour and accurately detect the anomalies that indicate fraud, from on-boarding and throughout the customer journey
  • Quickly identify unusual behaviour upstream from transactions
Detect victims of identity theft by analysing customer behaviour in real-time and flagging suspicious behaviour. Go beyond transaction authentication to stop phishing, malware, and data breaches the moment they occur, and spot social engineering attacks when a customer may be acting under duress
  • Improve customer experience: optimise authentication
Optimise interventions from third-party services for each individual customer based on their risk score, and reduce unnecessary interruptions

Features of In-Session Behaviour Monitoring

  • Effortless integration with existing counter-fraud measures
ARIC works from in-session behavioural data already captured by your platform, and is deployed onto your website with just a few lines of code. 
  • Capture complex behavioural data
Accurately update and enrich individual behavioural profiles throughout each customer’s lifecycle.
  • Optimise interventions from third-party services
Reduce costs of authentication by automatically selecting additional security measures for each individual customer based on their risk score.
  • Cross-device data capture
Capture user behaviour via browser-delivered content on both desktop and mobile devices. Mobile SDKs track activity in native apps.
  • Open Model Manager
Import and manage your PMML data science models in the ARIC Fraud Hub for even more powerful analysis of customer data.
  • Unprecedented insight from customer data
Analyse a wide range of behaviour – from the way a user is behaving on-site, to how the user is holding and interacting with their device.
  • Self-learning models with zero degradation
Real-time models automatically self-learn from customer and merchant data to defeat vishing and phishing with minimal manual intervention.

ARIC In-Session Behaviour Monitoring supports the following:

  • Android
  • iOS
  • JavaScript
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