IDENTIKEY Risk Manager delivers strong and dynamic protection against fraudulent activities through sophisticated, real-time risk analysis - Identifying risk at critical steps, predicting risk levels, and taking immediate action when fraud patterns are identified.
The multi-channel risk analysis capabilities of IDENTIKEY Risk Manager accurately detect fraud across any application or channel, enabling quick response to evolving fraud patterns. IDENTIKEY Risk Manager can also efficiently analyze channels like ATM transactions inside and outside the network and credit/debit card operations.
Banks can leverage the enhanced risk detection capabilities of IDENTIKEY Risk Manager even further through integration with our DIGIPASS for Apps product. This powerful combination ensures that bank applications will be protected from reverse engineering, malicious code injection and benefit from enhanced data protection via end-to-end secure channel encryption and an in-app integrity check.
Seamlessly boosts current fraud platform performance
Leading risk intelligence and customization provides a more holistic solution
Integrated server-side protection and multi-channel analysis address all common applications
Improves the ability to meet strict compliance requirements
AI technology automates fraud processes, reduces manual intervention and related costs
Online Banking Solution - Features & Benefits
Account Takeover Prevention
IDENTIKEY Risk Manager prevents account takeover with real-time advanced analysis of hundreds of disparate data points. IDENTIKEY Risk Manager provides broad and integrated authentication options that enable “step up” security through additional user authentication methods based on the level of risk.
IDENTIKEY Risk Manager uses advanced decision analytics and expert driven machine learning to efficiently analyze high volume transactions and accurately detect fraud.
When potential fraud is detected, real-time alerts are sent to fraud managers who review and ultimately accept or challenge the transaction. Step up or out of band authentication can be initiated as needed. Additionally, devices, users and payment recipients can easily be “whitelisted” or “blacklisted” based on results of the fraud analysis.
Payment Recipient Management
IDENTIKEY Risk Manager monitors the creation and updating process of payment recipients at all times and enables you to respond with different predefined actions to best fit your bank’s policy./p>
User Profile Management
Changing any of the user attributes such as address, email, phone number is a critical operation as fraudsters can take advantage of this to redirect funds, goods, or authentication information and impersonate a legitimate user.
IDENTIKEY Risk Manager protects against such scenarios through analysis of all user profile changes.
Interactions between the end-user, his/her device and the application are regularly analyzed, resulting in highly accurate modeling of device and customer behavior.
Fraud monitoring and prevention in this case is a continuous function that ensures a reliable channel to operate with legitimate users.
Detection of Phishing & Trojan Attacks
IDENTIKEY Risk Manager leverages server-side analytics, behavioral analysis and review of external patterns to detect and prevent phishing attacks.
Mobile Banking Solutions - Features & Benefits
IDENTIKEY Risk Manager for mobile banking incorporates a predefined set of rules and scenarios that accurately establish the level of trust for each device. Performance against preset rules can increase or decrease the level of trust resulting in automatic blacklisting of a device in the event that fraud is detected. Data points used to determine trust can include the presence of a hooking framework, jailbreak or rooted device, repackaged application (sign of reverse engineering attack), untrusted touch/keyboards subsystems and geolocation.
IDENTIKEY Risk Manager for mobile banking combines customer and device contextual patterns with server side analytics and sophisticated AI to achieve continuous and accurate fraud detection.