Fraud Detection & Transaction Risk

Shufti sells identity verification, business verification, anti money laundering screening and fraud prevention through one application programming interface to banks, fintechs, crypto firms, payment providers, gaming and travel platforms, from offices in London, Helsingborg and Dubai. Document checks, face matching, chip reads and liveness run on its own AI engine across more than 240 countries and territories, and banks can run the stack on premises or in a private cloud. Clients choose how much human review a check gets, from fully automated decisions in 10 to 15 seconds to Shufti experts reviewing low confidence steps, every result, or the whole check live. A backoffice assistant, Shufti AI, answers plain language questions over a client's own verification and billing data and Shufti's documentation. Founded in 2017, Shufti states more than 2,000 clients and publishes per verification pricing, with a free tier and an Essentials plan at $1.50 a check.

IDnow sells identity verification, fraud prevention and electronic signatures to banks, lenders, insurers, crypto firms, telecoms and gaming operators from its base in Munich, with offices in Berlin, Dusseldorf, London and Rennes and more than 500 staff. AutoIdent checks a document and a live selfie automatically with AI, VideoIdent puts a trained specialist on a video call, and IDCheck serves the French market. Risk Intelligence adds device, email, phone and behavioral signals against deepfakes, synthetic identities and account takeover, and an anti money laundering (AML) screening service matches customers against sanctions, politically exposed person and adverse media lists at onboarding and afterward. The Trust Platform ties these together behind one interface. A rules engine decides when to approve automatically, when to step up a check and when to route a case to manual review, and a case viewer shows what passed, failed or raised a warning at each step and why. IDnow Trust Services AB issues qualified electronic signatures and seals under the European eIDAS rules, and in October 2026 added qualified preservation and qualified electronic archiving, so a bank can keep onboarding records with one qualified provider for their full retention period. The company states more than 600 enterprise customers, TF Bank, Younited, Hanseatic Bank and AIB among them, and Corsair Capital is its majority owner.

Narmi sells a digital banking platform to community banks and credit unions, founded by two people who had run a community financial institution as its chief executive and technology chief. Its Narmi One suite covers consumer and business banking, account opening, instant payments over FedNow, fraud prevention, lending and a back office for staff, with integrations to cores including Corelation Keystone, Symitar, Fiserv DNA and Jack Henry Silverlake. Account opening results are published by name: Arrowhead Credit Union raised its completion rate from 40 to about 75 percent, and FOCUS Bank went live 62 days after kickoff. Narmi AI runs inside that platform at no additional cost. Staff get an AI assistant in secure messages that summarizes, drafts and translates replies, AI built audiences for promotions, an AI search bar, and DecisionAssist, which turns identity verification data into plain language recommendations for each account opening review. Business customers can connect Claude, ChatGPT or another assistant to their accounts through a read only Model Context Protocol server. Staff facing features run on Anthropic's Claude through AWS Bedrock, and every agentic workflow waits for staff approval before it acts. Customers include First Citizens' Federal Credit Union, Grasshopper Bank, Greater Alliance Federal Credit Union, Beacon Bank, Meridian Trust Federal Credit Union and FOCUS Bank.

Candescent sells digital banking software to more than 1,300 US banks and credit unions, whose platforms serve over 30 million registered users. Based in Atlanta, it combines four businesses with long histories in the market: Digital Insight and D3 Banking Technology for online and mobile banking, Terafina for account opening, and Channel Services for branch and assisted banking. A lending and credit module adds digital applications and automated decisioning, with rules and data services guiding approvals, declines and conditions. Its AI sits in the platform's security and engagement layers. Behavioral and device signals score risk in real time and call for extra verification only when the score warrants it, and an intelligence layer turns an institution's data into next best actions and offers inside digital banking. Votiv, a conversational experience built on Google's Gemini and unveiled at Candescent's client conference in 2026, summarizes a member's finances, flags problems such as a bill the balance cannot quite cover and acts on requests. It is rolling out from the second half of 2026, with PSECU, a $10 billion credit union, its first new client. The Federal Financial Institutions Examination Council examines Candescent as a technology service provider, and a SOC 2 Type II attestation covers all of its products. Apple Bank and Fidelity Bank are recent account opening clients, and Eko's embedded investing became available on the platform in October 2026.

ebankIT sells an omnichannel digital banking platform to banks and credit unions, running web, mobile and branch channels for retail, small business and commercial customers on one stack. Founded in Porto in 2014, it licenses the platform to institutions in 13 countries and has offices in London, Atlanta, Vancouver and Berlin. In Switzerland it runs on the Finstar core used by Hypothekarbank Lenzburg and its partner banks, and in Canada it connects to Central 1's payment services for credit unions. Its AI sits in four places. An anti fraud layer reads behavioral signals, such as typing rhythm, mouse movement and navigation, and adds machine learning risk scores to catch account takeover even when the right credentials are used. Digital onboarding pairs AI validation with business rules. A Digital Concierge in the mobile app sends personal notifications and financial suggestions matched to each customer's preferences. And an AI banking assistant, unveiled at FinovateFall in September 2025 and built on Azure OpenAI GPT-4.1 and Azure AI Speech, carries out tasks such as reviewing subscriptions or freezing a card at the account holder's direction, though no institution is yet named as running it. Customers include Coast Capital, Servus Credit Union, Alterna, Home Trust, Caisse Alliance, African Bank, Hypothekarbank Lenzburg, Kuwait International Bank and Metropolitan Commercial Bank.

Salv sells anti money laundering and fraud software to banks, fintechs and payment service providers, used by more than 130 institutions across 30 jurisdictions. Its screening checks customers and payments for sanctions, politically exposed persons and adverse media against Dow Jones lists that Salv refreshes several times a day, around 96 million transactions a month. Real time transaction monitoring runs on a rules engine each institution configures itself, beside weighted customer risk scoring and alert and case management. Data comes in through a documented interface with webhooks and a sandbox, or by CSV upload. Salv Bridge adds intelligence sharing between institutions: cross bank fraud cases, joint screening of new customers against a shared pool and bank to bank sanctions clearance, with 110 institutions live on the network since 2021. LHV Bank in Estonia releases 40 percent of payments automatically at any hour and processes requests for information 2.5 times faster on it. AI plays a deliberately limited role. AI Powered Insights reviews a name match and explains its reasoning, but it is informational only and never closes an alert or decides. Salv runs on Amazon Web Services in Frankfurt, with private cloud and on premises deployment also available.

Clari5 sells a real time platform that brings enterprise fraud management, anti money laundering, compliance and investigations together for banks. It is deployed at 60 banks in 30 countries, processes more than 10 billion transactions across more than a billion accounts, and runs on IBM LinuxONE, IBM Power10 and Red Hat Enterprise Linux. Fraud products cover cross channel and core banking transaction monitoring, online banking, payment card and employee fraud, with machine learning scoring models packaged by channel and product. Digital TrustArmour joins transaction monitoring, device intelligence and behavioral biometrics into one risk profile per customer against authorized push payment fraud, mule accounts and account takeover. Anti money laundering covers watch list filtering with real time blocking, customer due diligence and regulatory reporting built to the goAML standard of the United Nations Office on Drugs and Crime. Clari5 Genie adds generative and agentic AI to investigations: it summarizes alerts and transaction history, explains in plain language why an alert fired, finds transactions that resemble past fraud and answers questions about fraud data without a query language, which Clari5 says cuts investigation time by up to 70 percent. Maestro transcribes and scores every recorded customer call for fraud signals and compliance in English and 11 Indian languages, on a bank's premises or as a managed service, and Graph Intelligence maps links between customers, accounts and transactions. In India, its cybercrime complaint solution automates complaints from the National Cybercrime Reporting Portal, from account identification to lien marking, at Punjab National Bank among others. Customers named include Khan Bank, XacBank, Mashreq Bank and Ujjivan Small Finance Bank. Clari5 was acquired by Perfios and is still sold under its own name.

Alkami sells a digital sales and service platform to regional and community banks and credit unions, with 24.4 million registered users. MANTL, which Alkami bought in March 2025, opens retail accounts in a median of about five minutes and connects to 25 core systems. Digital banking serves retail, small business and commercial account holders, and a software development kit lets institutions and certified partners build their own features. Data and marketing tools use predictive models to tag account holders by likely loan adoption, deposit growth and attrition risk, and fraud tools add behavioral biometrics, anomaly detection and mule account monitoring, with BioCatch as a named partner. Alkami is listed on Nasdaq, based in Plano, Texas, and runs the platform on AWS.

SentiLink sells identity fraud scores that US banks, credit unions and fintechs run at the moment of application. The Synthetic Fraud Score flags identities stitched together from real and invented details, the ID Theft Score catches someone applying with another person's identity, and the First Party Fraud Score targets applicants who give accurate personal details but misleading financial information. Personally identifiable information (PII) risk scores rate a single phone, email, device or address, which lets an institution rate a contact change request before it opens the door to account takeover. Each score runs from 0 to 1000 with reason codes for the factors that raised or lowered it. The models learn from hundreds of thousands of labels assigned by SentiLink's Fraud Intelligence Team, whose analysts review a subset of each day's applications, and from account opening activity across a network of more than 300 institutions. Insights adds flags written for manual reviewers, such as mismatched names, birth dates or Social Security numbers, commercial addresses, risky virtual private network use, active duty alerts and minor applicants, and Facets hands the underlying attributes to an institution's own models and rules. Intercept is the analyst's workspace. It picks an identity's most likely Social Security number when records conflict, flags a phone number tied to many identities in a short period, and brings driver's license checks against state motor vehicle records, property and business records, and sanctions and politically exposed person screening into one view, on pricing that does not charge analysts for each extra lookup. For suspected synthetics and thin files, SentiLink pairs its score with eCBSV, the Social Security Administration's consent based check of name, birth date and number, which it was the first provider to offer; ID Complete fills in missing application data, and a free service checks payee names on US Treasury checks. Two early employees of the online lender Affirm launched SentiLink in 2017, and one of them, Naftali Harris, is chief executive. Headquartered in San Francisco, it counts 13 of the top 15 banks, 8 of the top 10 credit unions and more than 50 fintech unicorns among its clients and verifies more than 3 million identities a day; Citizens, Concora Credit, Current, Cardless and Cherry are quoted. Scores reach institutions through an API, a dashboard and partners including Alloy, Persona, FiVision, Lendflow and Scienaptic, from a platform on AWS in the United States whose trust center lists a SOC 2 Type 2 report, a payment card industry attestation and a penetration test report.

Complead, known until September 2026 as Sanction Scanner, sells an AML, KYC and fraud platform to banks, payment and electronic money firms, fintechs, insurers, crypto businesses and gaming operators. Its Fusion platform puts screening, customer risk rating, KYB, adverse media, transaction monitoring, payment screening and fraud on one customer record with one risk rating. Sanction Scanner lives on as the name of its client screening product, which starts at €990 a month for 100 screened entities. The company began with data. Complead says it collects sanctions, PEP and watchlists from the authorities that publish them, more than 3,000 lists from over 220 countries refreshed every 15 minutes. It keeps dated snapshots of every past state and built its own PEP dataset country by country. Fusion's AI agents now gather the evidence on an alert, compare it with the customer's history and write the reasoning. They close routine cases on confidence bands each customer sets, and Complead says they clear 77 percent of them. Decisions that change a customer relationship stay with a person, SAR drafts need an MLRO's approval, and every agent action is logged with its inputs and the policy or person that authorized it. Complead was started in 2020 in Istanbul, where most of its engineers still work, and is headquartered in London, with a US company registered in Delaware. It reports more than 800 customers in over 80 countries, including iyzico, Kuveyt Türk, Zurich, Generali and NN, and Chartis named it a Disruptor in the RiskTech100 for 2027. Customers choose EU, UK or Türkiye data residency, and Complead holds ISO 27001 and ISO 9001 certification, with a SOC 2 Type 2 report available under NDA.

IMTF is a Swiss software company. Its Siron One platform covers the main financial crime compliance jobs at a bank or insurer, from KYC and client lifecycle management to transaction monitoring, sanctions screening, fraud, trade based money laundering and tax compliance. Private banks, retail and corporate banks, insurers, payment providers and telecom operators buy it, and IMTF counts more than 1,000 customers in over 90 countries. Detection runs on what IMTF calls a hybrid approach. A rules engine with a scenario library and more than 300 behavioral profiles sits underneath. Machine learning ranks each alert by how likely it is to matter, clusters customers into dynamic peer groups and measures how far a customer or transaction strays from its group. In screening, models narrow name matches, and Babel Street supplies matching across more than 24 languages and scripts. Generative AI summarizes and classifies adverse media and prefills suspicious activity reports for compliance officers to edit, and the case manager resolves or parks low priority alerts on its own. Scenarios and thresholds change without code and can be simulated before use. Chartis named Siron One a category leader for AML transaction monitoring in 2026, and also for name and transaction screening and for adverse media monitoring. Forrester rated IMTF a Strong Performer in financial crime management in Q3 2026. Siron One connects to Avaloq, Finnova, FIS Kordoba and ERI's Olympic core banking systems and draws on Dow Jones, LSEG World Check, Moody's Orbis and LexisNexis data. IMTF was founded in 1989 and is based in Givisiez, Switzerland, with seven offices from Zurich and Luxembourg to Dubai, Singapore and Bengaluru. It sells Siron One for installation, as a managed service or as SaaS on AWS, and holds ISO 27001 certification.

Eastnets sells compliance and payments software to banks, payment firms, exchange houses and insurers. Its financial crime line covers sanctions screening, transaction monitoring, customer due diligence, trade based money laundering and payment fraud, sold as separate SafeWatch, SafeTrade and PaymentGuard modules that stack together. The FinCrime Intelligence Platform, launched in June 2026, coordinates investigations across them. Eastnets also runs three SWIFT service bureaus, including ones for the Americas and Saudi Arabia. More than 270 institutions rely on it for outsourced SWIFT connectivity and compliance software. Machine learning is layered onto rules the company has sold for decades. SafeWatch Screening 5 matches names with AI. Its AI Detection Assistant gives each alert a risk evaluation and a recommended action with its reasoning. Institutions can test the assistant on past alerts and start it in advisory mode, while a four eyes module handles approvals. SafeWatch AML pairs a scenario library and rule builder with unsupervised models that raise account level risk alerts and tune detection thresholds. PaymentGuard rates payments in real time on device, location and malware signals. SafeTrade reads trade documents with OCR and language processing and uses generative AI to check prices. A built in module formats suspicious activity reports for goAML, the UNODC system many financial intelligence units use. Most named results come from screening. Zain Cash in Iraq cut false positives by 90 percent on SafeWatch Screening 5. Sohar International in Oman cut alerts from more than 312,000 to about 102,000 by refreshing list data, raising its match threshold and adding a good guys list. Permanent TSB in Ireland screens SEPA Instant payments inside a 10 second window. On monitoring, ZB Financial Holdings in Zimbabwe cut investigation time by 40 percent with SafeWatch AML. Eastnets traces its origin to Jordan in 1984, counts more than 800 institutions as users, including more than 20 central banks, and employs about 400 people in 13 countries. It renewed ISO 27001 in 2025 for a third three year cycle and reports a SOC 2 Type 2 audit, run from December 2024 to November 2025, with no deviations.

Mozn is a Riyadh enterprise AI company, founded in 2017, and FOCAL is its platform for financial institutions fighting money laundering and fraud. Banks, payment firms, wallets and digital lenders across Saudi Arabia and the Gulf use it to screen customers and payments, monitor transactions, rate customer risk and run fraud controls in one place. Mozn also builds AI for government and defense buyers, counts more than 150 customers across both, and took a strategic investment from HUMAIN in August 2026. Screening is the heart of the product. It runs on a bilingual transformer model that Mozn says it has patented, built to read Arabic names in all their spellings together with the context around each name. Mozn reports 85 percent fewer false positives and cases resolved 70 percent faster across its screening customers, and the model won the 2026 Datos Impact Award for sanctions and watchlist screening. Customers are screened against more than 1,300 sanctions, PEP and regulatory lists and rescreened whenever a list or a KYC record changes, while low risk matches clear automatically under each institution's own rules. Transaction monitoring combines a rules library and no code rule builder with anomaly detection, behavioral models and supervised models trained to cut false positives, and new rules can be simulated before they go live. An investigation agent works on top. It summarizes each alert, resolves name variants across Arabic and Latin scripts, attaches a confidence level and drafts a SAR ready narrative. Mozn says the analyst owns each decision and filing a SAR stays with a person, though the agent can also close low risk alerts on its own. Al Rajhi Bank and stc Bank signed agreements in 2025 to use FOCAL against fraud, and D360 Bank and Abdul Latif Jameel Finance are integrating it. HyperPay, a Riyadh payments firm, cut false positives by 45 percent and alert handling time by 35 percent after going live under SAMA's AML and CFT timelines. An unnamed Saudi bank cut fraud losses by 38 percent. FOCAL runs in the cloud, on premises or as a hybrid, and Mozn says the screening product can also be deployed in country. Mozn reports ISO 27001 certification and an EY audit against the Saudi National Cybersecurity Authority's Essential and Cloud Cybersecurity Controls. Its trust center releases policies, a penetration test and a data processing agreement on request.

FICO sells credit scores and decisioning software to lenders. The FICO Score, sold in more than 40 countries, is the standard measure of US consumer credit risk. FICO Platform is its cloud decisioning platform, where lenders build origination, customer management and collections strategies with decision modeling, optimization and analytics tools, simulate them before they go live, and use FICO Assistant, a generative AI tool, to build decision components. Earlier products such as Blaze Advisor, TRIAD Customer Manager and Falcon Fraud Manager remain in use, and Falcon draws on a consortium of more than 10,000 institutions. In September 2025 FICO introduced its Focused Foundation Model for Financial Services, a pair of small language and sequence models that return a trust score with every output. FICO is listed on the New York Stock Exchange and based in Bozeman, Montana, with 92 percent of revenue from financial services and 87 percent from the Americas in fiscal 2025. Its Southeast Asian customers include UnionBank of the Philippines, which onboarded 50,000 new card and loan accounts a month at peak on FICO Platform, and Grab Finance, which built 22 decision workflows across six countries. FICO Platform launched in Indonesia in 2023, once AWS's arrival there met data sovereignty requirements, with Superbank as its first customer.

WorkFusion sells AI agents that do the Level 1 and Level 2 work of financial crime compliance, reviewing the alerts that screening and monitoring systems generate rather than generating more of them. Its argument is that banks have spent fifteen years tuning screening engines to suppress false positives, and that the more productive move is to have a machine review every alert and decide which ones need a person. UiPath, the automation software company, completed its acquisition of WorkFusion in February 2026. The product line continues as WorkFusion, a UiPath company, UiPath's documentation now lists its agents as UiPath financial crime compliance solutions, and it is being coupled with UiPath's orchestration platform for routing escalations and human review. The agents are personified and each owns a single process. Evelyn reviews name and politically exposed person screening alerts, Evan reviews adverse media, Tara adjudicates transaction sanctions screening alerts in near real time, Edward handles enhanced due diligence and high risk reviews, Isaac investigates transaction monitoring and fraud alerts, and Kayla supports KYC and perpetual KYC. They sit on top of the screening, monitoring and case management systems a bank already runs, named by WorkFusion as including NICE Actimize, Verafin, SAS, Oracle, Fiserv and FIS, draw enrichment data from LexisNexis, Thomson Reuters, Moody's, Dow Jones Factiva and World Check One, and write a narrative explanation of each decision back into the source system. A joint offering with Thomson Reuters pairs Evelyn with the CLEAR investigative data set. Deployment spans UiPath Automation Cloud, WorkFusion hosting on AWS or Google Cloud in a region agreed at onboarding, and installation inside the customer's firewall, and the company states that it never takes possession of an institution's data. Tara's design is published in useful detail: models interpret and enrich payment message fields, then a configurable rules engine decides how the alert is handled, and the agent records every data point and decision in an audit trail. UiPath documents Evan's design: sentiment, name matching, focal subject and age models feed a decision with a confidence score and written justification, and articles below the confidence threshold go to an analyst. As of March 2025 the agents were processing one million sanctions and adverse media alerts a day, which WorkFusion equates to the capacity of 5,052 Level 1 analysts, and it says it is trusted by 10 of the top 20 banks. Named customer stories include Scotiabank, Deutsche Bank, Standard Bank, Valley Bank, Carter Bank and Trust, Raymond James and Bank of Asia.

Cotribute sells a digital growth platform to credit unions and community banks that layers onto the core, loan origination and digital banking systems an institution already runs rather than replacing them. Its modules cover consumer and business account opening, consumer and business lending applications, fraud screening and decisioning with more than 70 configurable rules, and a back office portal with analytics. Accounts write back in real time to Jack Henry, Corelation and Fiserv cores, and account opening typically goes live in about 30 days. Since June 2025 three AI Growth Agents have run on top: one for acquisition targeting, one for cross sell during onboarding, and one that re engages single product members using credit and income data. Every agent recommendation needs staff approval before it reaches a member. A read only connector lets staff query origination data from the AI assistants they already use.

Q2 Holdings sells a digital banking platform to banks, credit unions, alternative finance companies and fintechs, covering retail, small business and commercial banking along with account opening, fraud and lending tools. More than 1,200 institutions and 28.5 million registered users run on it. Its 2026 AI products are Q2 Assistant, a staff facing assistant whose agents carry out tasks under staff approval, and Q2 Code, which builds platform extensions from plain language prompts using Anthropic's Claude Code on Amazon Bedrock. Fraud tools add account takeover detection from behavioral signals. Q2 is listed on the New York Stock Exchange, is based in Austin, Texas, and has been led by joint chief executives Matt Flake and Jonathan Price since October 2026.

Bdeo sells what it calls Visual Intelligence, a computer vision system that analyzes photographs and video of damaged vehicles and homes to detect damage, determine its severity and support the decisions that follow. The founding premise, stated by its chief executive, is that roughly 70 percent of claims are minor and can be assessed with technology rather than by sending a person, and the product is built to capture that band remotely. The estate spans both ends of the policy lifecycle. On claims it handles motor and household damage assessment, checks historical images for pre existing damage, helps repair workshops prepare estimates, and supports authorization by validating a repairer's estimate against the image evidence. On underwriting it performs inspections of used vehicles before a policy is written, which is its dominant use in the Spanish market. A fleet product provides visual status of vehicle fleets for leasing, rental and rent a car operators. Regional deployments differ in emphasis: United Kingdom operations concentrate on claims, Spain on underwriting inspection, Mexico on rapid customer response, and Germany on integration with local telematics providers so that an incident is detected automatically and visual capture begins immediately. Scale is stated as more than 50 insurers across more than 25 countries in Europe and Latin America, with presence in Spain, Portugal, Italy, France, the Nordics, the United Kingdom, Mexico, Colombia and Argentina, and a South African client. The company reported in mid 2023 that it handled more than half of motor insurance underwriting in Spain and worked with 8 of the 10 leading Spanish motor insurers. Named customers include Reale, Mapfre and Generali in Spain, Ageas and Fidelidade in Portugal, Zurich, Allianz and BBVA in Latin America, Hollard in South Africa, and Mutua Madrileña, with whom it built a system to automate policy underwriting. Founded in 2017 in Madrid by Julio Pernía and Manuel Moreno, both from the insurance industry, the company employs roughly 63 people and states that 65 percent of the team works on the technology itself. It has raised approximately $15.2 million across seed, Series A and Series B rounds from BlackFin, K Fund, Armilar, Big Sur Ventures, the Spanish industrial technology development center, Íope Ventures and the South African insurer Hollard, which is both an investor and a named client, alongside regional grants and a European Innovation Council Seal of Excellence.

Verisk is a publicly traded data analytics and technology provider to the global insurance industry, listed on Nasdaq and a constituent of both the S and P 500 and the Nasdaq 100. Through the Insurance Services Office, formed in 1971 and a wholly owned subsidiary since October 2009, it operates as a licensed advisory organization and statistical agent: it collects industry wide policy and claims data, projects future claim costs, and submits standardized forms and loss costs to state regulators on behalf of insurers. Those filings form the starting point from which most United States property and casualty carriers build their own rate filings. Its published data scale is 34.5 billion statistical records, comprising 8.2 billion commercial lines and 21.5 billion personal lines records, and its coverage language is maintained against roughly 10,000 legislative bills, 8,000 regulatory actions and 2,000 court decisions each year. The business reports in two groupings. Underwriting covers forms, rules and loss cost services plus extreme event and catastrophe solutions used in reinsurance and insurance linked securities. Claims covers anti fraud and casualty solutions alongside the Xactimate estimating ecosystem. AI is embedded into products carriers already run rather than sold as a separate line. Generative capability is live in the premium audit research tool, the form composition tool, the estimating platform and the claims document tool, with a claimed reduction of up to 98 percent in research time on premium audit documents. XactAI spans claim summaries, photo labeling and description generation, document data extraction, plain language estimate construction, inventory pricing and estimating recommendations, and integrates across the Xactimate, XactAnalysis, XactContents, XactXpert and ClaimXperience products. Licensee numbers rose nearly tenfold between March 2026 and mid 2026 to approximately 7,000. Digital Media Forensics detects image manipulation and deepfakes in claims. Seven Core Lines Reimagine modules shipped in the second quarter of 2026 against a stated target of 25 for the year. In May 2026 the company launched two Model Context Protocol connectors built with Anthropic for underwriting and claims, bringing its datasets into Claude workflows with retrieved data stated to remain inside the client session and outside model training, alongside a Claude Enterprise integration giving natural language access to loss cost trends and estimating intelligence. Governance is published rather than asserted. A Commitment to Ethical and Responsible AI disclosure sets out ethical principles, an AI governance structure, standards and review processes, and the claims document product's governance has been aligned to the state commissioners association model bulletin and the NIST AI Risk Management Framework through an independent governance vendor's control library. Second quarter 2026 revenue was $806.3 million, up 4.3 percent, with subscriptions at 83 percent of revenue and full year guidance of $3.19 to $3.24 billion. Headquartered in Jersey City, New Jersey, with teams across more than 20 countries.

FRISS screens the whole policy lifecycle for property and casualty insurers and calls the result trust automation, which is a deliberate inversion of how this category usually talks. Rather than leading with fraud caught, it leads with honest customers cleared: screening every application and claim within seconds so trustworthy business moves faster, with the suspicious minority routed to a person. The company states its purpose as not wanting people to pay higher premiums because others commit fraud. The product covers three points in the lifecycle. At underwriting it screens new policy applications and renewals in the seconds it takes an applicant to complete a form, scoring for misrepresentation and high risk. At claims it scores at first notice of loss and across the claim lifecycle. For special investigation units it supports structured and confidential fact building on the cases that are flagged. One published customer describes screening results as decisive in deciding what is accepted, reviewed or rejected. The company publishes a responsible AI position, setting out transparency, fairness, accountability and governance as principles. It engages the EU AI Act by name, including its enforcement timeline. Scale is substantial for a focused vendor: more than 300 implementations across more than 45 countries, roughly 223 staff, and $81 million raised including a $65 million Series B led by Accel KKR with Aquiline. An independent 2026 buyer's assessment places it as the mid market detection vendor most commonly shortlisted by United States carriers alongside the industry data utility, with automotive its strongest line and its United States footprint growing through integrations with the dominant claims core platform. The same assessment notes its cross carrier contributory data network is smaller than the market leader's. Founded 2006 by Jeroen Morrenhof and Christian van Leeuwen, headquartered in Utrecht with a United States base in Ohio and offices across the United Kingdom, France, Spain, the German speaking markets and Latin America.

Shift Technology is a pure play insurance AI company, with a stated 100 percent focus on the industry since its founding in 2014, and it reaches the market through the core platform most property and casualty insurers already run. Its products are organized around three decisions: detecting fraud in claims, applications and organized rings; automating the claims process from first notice of loss through straight through processing; and catching application fraud before a policy binds. Subrogation recovery, payment integrity and claims document analysis sit alongside them. The company describes combining generative, agentic and predictive approaches, and its current positioning is explicitly agentic. Published agents assess subrogation opportunity and draft the initial demand package, or review a third party insurer's response and guide negotiation. Others assess whether medical billing applies to a claim and estimate treatment duration, or synthesize cross carrier claim history into recommended next actions for a handler. It states it was an early adopter of LLMs in 2020 and has analyzed more than 2.6 billion policies and claims. Scale and validation are strong. The company reports more than 115 insurance customers across 25 countries and more than $5 billion in reported fraud savings. In March 2026 AXA renewed for five years, extending a collaboration begun in 2016 across 15 countries, with that insurer's own transformation executive quoted. Covéa signed as a strategic partner for fraud and risk. An industry body in Australia selected the company with EXL to build a national motor fraud detection platform. The relationship with Guidewire is the structural asset: strategic partner for insurance decisioning, premier technology partner status, an accelerator on that vendor's marketplace, and a direct strategic investment. Underneath, the platform runs on Microsoft Azure AI services, named openly in that provider's own case study. Headquartered in Paris with offices in Boston, Mexico City, Sao Paulo and Tokyo, and $320 million raised.

CSI, Computer Services, Inc., is a core banking provider founded in 1965 and headquartered in Paducah, Kentucky, built around community and regional institutions. FedFis reported in December 2025 that its NuPoint core is the second most used core banking platform in the United States, running at 10.1 percent of all United States banks, and the platform won Best Core Banking System at the 2023 Banking Tech Awards USA. The company states more than 3,000 customers and maintains pages for community banks, credit unions, de novo banks, fintechs and regulated industries. The estate spans core processing, digital banking, lending, payments including instant settlement made available to all core customers, treasury management, account origination, regulatory compliance covering anti money laundering, sanctions screening and know your customer, managed cybersecurity and information technology, an outsourced call center integrated with the bank's own customer system, and document distribution. Its AI line is concentrated in financial crime: TruDetect and TruProtect launched in April 2025 on the AI engine of the data company DATASEERS, with TruDetect offering risk confidence scoring, threshold simulation before deployment and suspicious activity and currency transaction report filing directly to FinCEN, natively integrated into NuPoint and stated to integrate with any core. CSI bought Velocity Solutions in September 2024 for its deposit growth engine and intelligent overdraft decisioning engine, which serve more than 30 million consumers and business owners. Centerbridge Partners and Bridgeport Partners took the company private in November 2022 in a transaction valued at about $1.6 billion.

Zoot has been running hosted credit decisions since 1992, and the shape of the product still reflects that origin. Two components sit at the center: a stateless processing service that handles applications, and a business rules editor presented through a graphical interface built deliberately for business users rather than engineers. The company's own framing is that clients hold absolute control to implement rules, processes and policies across the enterprise and change them as markets move, without waiting on their technology department. A named customer confirms the effect, reporting direct hands on control over its boarding rules with no engineering involvement. A large data layer surrounds that core. The platform connects to hundreds of live sources spanning credit, fraud, identity and open banking through a single gateway, with a partner network offering pre built connections to established providers and the stated ability to integrate new ones quickly, including third party AI and machine learning models. The company also states it can integrate with any core banking or credit union system a client runs. Coverage spans the credit lifecycle rather than origination alone, including instant prescreen, account opening, customer acquisition, credit decisioning, loan origination, credit risk management, fraud, cross sell, and collections and recovery. Current descriptions place business rules, machine learning and agentic AI together in the decisioning path, though the rules engine long predates the learned components. Infrastructure is owned rather than rented. The main data center sits at the company's own headquarters in a seismic rated building surrounded by a fiber optic loop, with stated availability of 99.9 percent, and the company argues its remote location insulates it from risks concentrated in dense urban areas. Published assurance includes PCI DSS and health information security certifications alongside annual SOC 1 and SOC 2 audits. Founded 1990 by Chris Nelson in Bozeman, Montana, with roughly 223 staff across four continents and separate United States and European operations.

GDS Link sells the layer between a lender's data and its credit decision. The platform, marketed as the GDS Link Decisioning Platform and built on the Modellica and DataView360 lineage, integrates more than 200 external data sources with attributes already defined so the data arrives ready to decision on, then executes the lender's own rules, scorecards and workflows against it. The company reports processing hundreds of thousands of decisions daily across several countries. Coverage spans the whole credit lifecycle rather than the application alone, with published capability across originations, account management, collections, compliance and fraud prevention, and continuous monitoring of borrower behavior after booking so a lender can react to a deteriorating risk profile rather than discovering it at default. Model governance is named as a platform capability and positioned against changing regulatory requirements. The positioning is deliberately configurable rather than opinionated. Lenders set their own criteria and risk models, the design is modular, and the company describes a highly collaborative delivery approach on the basis that no two lenders are the same. That flexibility is the product's argument and also the reason the artificial intelligence sits where it does: the analytics module adds machine learning on top of an engine that runs perfectly well on a lender's own rules. Institution coverage is developed by type, with separate published material for banks, credit unions, fintechs, specialty lenders and small business lenders. A named credit union customer reports moving from three days behind on application processing to 45 minutes, automating 65 percent of its decisions, and more than tripling revenue over five years. Founded 2006 and headquartered in Dallas, Texas, with around 200 staff and seven international offices including the United Kingdom and Spain. The company is privately held and backed by private equity, with Serent Capital and Saratoga Investment on the register following a 2022 buyout.

Jack Henry is the third of the three companies whose core systems run most United States banking, and it is the one aimed squarely at the small end of the market. Roughly 7,400 community banks and credit unions depend on it, and the company defines that segment precisely in its annual report: its average core bank client holds $1.29 billion in assets and its average core credit union client 1.20 billion. Symitar is the dominant credit union core and SilverLake serves a large share of community banks, with the Banno digital platform above them reaching more than 15.8 million registered users across over a thousand institutions. The AI line is broad rather than concentrated in one flagship. Management reported 22 AI enabled products in market at the close of its 2026 financial year, with more than 20 further capabilities identified for release within six months. It stated publicly that strict risk management, compliance and governance frameworks would be maintained so that clients always remain in control. The most developed product is Financial Crimes Defender, a cloud native real time fraud and Bank Secrecy Act compliance platform covering checks, deposits, transfers, automated clearing house and instant payments, able to stop a transaction before it leaves the institution. It screens against sanctions and watchlists, files the required regulatory reports, and has the Federal Reserve's fraud classification model built in natively. It reached 189 completed installations by 30 June 2026 with 57 more in progress, and now includes assisted drafting of suspicious activity report narratives, which the company puts at saving at least an hour per investigation. Notably, the platform is built through a named partnership with Feedzai rather than on a proprietary engine. Separately, a collaboration with Google Cloud dating to 2022 was extended in June 2026 to build a proprietary AI security platform using that provider's agentic defense products, alongside operational use cases on its enterprise agent platform. The company is listed on Nasdaq and headquartered in Monett, Missouri.

Fiserv sells the software many United States banks run on, and it has built an AI line on top of that position. The estate spans account processing and digital banking, card issuer processing and network services, payments, electronic commerce, merchant acquiring and processing, and the Clover point of sale and business management platform. The banking segment alone reports $2.4 billion of revenue across more than 3,500 financial institutions, digital payments runs just under $4 billion and serves 41 of the 50 largest United States banks, and the financial solutions side reports more than 6,000 clients globally. The AI line is agentOS, launched 14 May 2026 as an operating system for agentic AI in banking and stated as widely available from August 2026. It runs natively across the company's own core, payments, issuer processing and servicing platforms rather than beside them, which is the point of it: an institution already running Fiserv systems can deploy agents into those workflows without a separate integration. Six financial institutions co developed it and two were running agents in beta at launch. Strategic collaborations with OpenAI and Amazon Web Services are named openly. Its distinguishing feature is a marketplace. Institutions can run agents Fiserv built, build their own, or deploy agents from third parties, all inside the same governance, identity and audit controls. Four first party agents launched, covering commercial loan onboarding, daily operational analysis and reporting, deposit intelligence and anti money laundering triage, alongside nine third party agents spanning risk management, regulatory reporting, deposit operations and back office reconciliation. The company is candid about a difficult period. Executives have publicly attributed higher than desired core banking attrition to past service failures, missed product deadlines and forced conversions, with a co president stating the company has a service problem rather than a technology problem, and have committed to supporting all cores with no forced migrations. Fiserv is listed on Nasdaq and is a member of the S&P 500.

Bottomline is payments infrastructure with fraud analytics layered on top. The company moves more than $16 trillion a year across four connected businesses. The first is Paymode, a business payments network with more than a million businesses on it exchanging over $500 billion annually. The others are a commercial digital banking platform sold to banks, financial messaging where the company is a top three service provider on the interbank messaging network, and cash management for corporate treasury. AI sits in two places. Payments Fraud Defense, released in January 2026, consolidates behavioral analytics, interdiction, analytics tuning and session replay into one platform. The vendor positions it explicitly as complementing a bank's existing fraud systems rather than replacing them. Its detection draws on the company's own analytics plus insights from third party risk solutions and consortium data. It is aligned to named rail level obligations, including the 2026 ACH fraud monitoring rules. A pilot Fraud Intelligence Exchange launched in June 2026 to move fraud intelligence sharing between banks off manual processes. Separately, an embedded agent was added to treasury and cash management in late 2025. The network and the fraud work reinforce each other. A 2026 capability inside the digital banking product analyzes a bank's own payment history to identify customers still paying heavily by check and routes them toward electronic rails. The company frames this as fraud reduction through channel migration rather than through detection. Founded 1989 in Portsmouth, New Hampshire, Bottomline listed on Nasdaq in 1999 and traded publicly for 23 years before Thoma Bravo took it private in May 2022 for roughly $2.6 billion. It divested its legal spend business in 2025 to concentrate on payments, and American Express connected its buyer initiated payments into Paymode in 2026. Chief executive Craig Saks previously ran parts of ACI Worldwide.

Incognia answers the identity question with geography. Its premise is that where a person is, over time, is a harder credential to fake than what device they are holding, because people handle important account actions from places they habitually occupy. The platform learns a user's trusted locations, typically home and workplace, from background location signals and motion sensors collected through a mobile software development kit. It treats a departure from that pattern at the moment of login or payment as a risk indicator, and the company reports that 90 percent of device authorizations on its network occur at a trusted location. Incognia ID is sold as a persistent identity that survives factory resets and device swaps, paired with tamper and location spoofing detection, and clusters of devices are surfaced to expose device farms. The company describes the combination as identity affirmation rather than identity validation, and is explicit that the signal supports an identity claim rather than proving the claimant is present. A banking and fintech line covers account takeover, device authorization at high risk events and new account fraud. It also includes a transaction risk model that scores a payment high, low or unknown from hundreds of inputs. Incognia reports that the Brazilian fintech will bank cut fraud losses by 90 percent and mobile account takeover by 80 percent with its risk based authentication. Food delivery, ride hailing and marketplace lines are sold from the same network and are not covered in this profile. The network spans close to a billion devices and more than 500 million mapped places. Its services agreement names Amazon Web Services in the United States as host and deletes personal data within 180 days, and it has a SOC 2 Type II report covering all five trust services criteria. Founded in 2010 by Andre Ferraz and Alan Gomes, it pivoted to fraud prevention in 2020 and has offices in California, New York, Sao Paulo and Recife.

Darwinium moves the fraud decision out of a vendor's cloud and into the customer's own network perimeter. Rather than shipping a tag or a software development kit that calls an interface at chosen moments, it runs as an edge worker inside the content delivery network the business already operates, naming Cloudflare and Amazon CloudFront among them. Everything crossing that perimeter is therefore visible in one place, from the first page a visitor lands on through account creation, login, detail changes, listings, checkout and payment, and the platform can act on the journey as it happens rather than scoring a moment after the fact. The company puts deployment at as little as 15 minutes and native mobile software development kits were added in 2026 to extend the same coverage inside applications. The data architecture is the second half of the design, and it is strong. Customer data is encrypted at the edge using hybrid public key encryption where Darwinium holds only the organization's public key, so by its own account it can encrypt but cannot decrypt without the customer's involvement. Analyzed data can be stored encrypted in the organization's own storage under its own keys. The stated consequence is that the vendor never sees customer data in the clear and does not become a target worth attacking. What the models produce is identity from behavior. The company calls these digital signatures, recognizing a returning user even when device, browser or behavioral elements change, and describes itself as an intent engine rather than an identity one, consuming third party signals a customer already runs rather than displacing them. Financial lines are named and separately developed: retail banking and fintech as industries, and account takeover, payment fraud and scam detection as use cases, the last combining transaction intelligence, behavioral biometrics and what the vendor calls victim propensity modeling to alter a suspected scam journey in real time. Agent intent detection extends the same question to automated traffic. Founded 2021 in San Francisco by Alisdair Faulkner and colleagues from ThreatMetrix, with offices in London and Sydney and $26 million raised through a Series A led by U.S. Venture Partners.

ThreatMark builds a behavioral baseline for each banking customer and watches for departures from it, profiling how a person physically uses a device, keystroke rhythm, navigation habit, touch and pointer movement and session pattern, and combining that with device and threat signals and transaction context into one continuously updated view it calls behavioral intelligence. Its stated premise is that the fraud that matters has moved off the bank's platform: criminals now manipulate the customer into authorizing the payment, which defeats controls built to detect unauthorized access, and its own research puts social engineering in most fraud at 55 percent of surveyed institutions. It publishes material on authorized push payment, instant payment, investment, romance and purchase scams and peer to peer fraud, alongside account takeover, remote access attacks, session hijacking, SIM swap, financial malware, money mules and new account fraud. Five components are published: the Behavioral Intelligence Platform; ScamFlag, a generative agent in the banking app that reads a screenshot a customer submits, checks links and account numbers against public sources and an internal database, and returns a scam assessment; Smart Insights for analysts; the Cyber Fraud Fusion Center for phishing and malware disruption; and FraudIntel for cross border scheme detection and intelligence sharing. Behavioral signal is sold as the inherence element for European strong customer authentication, with transaction risk analysis supporting the associated exemptions. Named customers include Ceska sporitelna, Slovenska sporitelna and Banca Comerciala Romana in the Erste Group, CSOB in the KBC Group, J&T Banka, Creditas, DFCU Financial, Tri Counties Bank and the Cooperativa Policia Nacional, and the company reports more than 40 million users protected. It states ISO 27001 and SOC 2 credentials. Founded in 2015 in Brno, ThreatMark lists its head office in Charlotte, North Carolina, with offices in Brno and London.

Prove verifies people through the phone rather than through a document and a selfie. Its premise is that a mobile number held in someone's name for years, tied to a SIM in a device they physically possess, is harder to forge than an image, and its chief executive describes the approach as deterministic identity, arguing that a model can fabricate a face or clone a voice but cannot replicate a decade of real behavior. Underneath sits the Prove Identity Graph, which the company puts at more than a billion privacy preserving identity tokens covering about 90 percent of digitally active adults across more than 200 countries and regions, fed by telecom signals, bank and public records and over a decade of proprietary data. Signals are orchestrated by the Prove Global Fraud Policy, an internal defense engine, not an insurance policy, that combines possession, ownership, SIM and device trust, identity matching, address intelligence and mobile network analysis into a single pass or fail outcome. The financial lines are separate products: Pre Fill populates an application from verified data and bundles sanctions, watchlist and politically exposed person screening at no additional charge; Account Opening activates an account from a name and phone number; Unified Authentication replaces one time passcode flows; Know Your Payee verifies a payment recipient before funds move; and an agentic suite verifies AI agents and binds signed consent into a token that travels with each agent action. Healthcare, gaming and marketplace lines run on the same graph and are not covered in this profile. Prove names Bank of America, Citibank, Synchrony, FNBO and Bilt Mastercard among its customers, states it serves 19 of the top 20 United States banks, and distributes through AWS Marketplace, the Temenos Exchange, Jack Henry, Backbase, Alloy and FICO. The company is Prove Identity, Inc. of New York, founded in 2008 as Payfone by Rodger Desai and Brad Rosenfeld.

Linkurious sells the investigation layer rather than the detection engine. Its premise is that financial crime hides in relationships rather than single records, so a shell company, a shared address, a repeated device or a chain of intermediaries only becomes visible when the data is traversed as a network; the product renders that network for an analyst, lets them expand outward from any node, and holds the resulting judgment in a case. Two editions matter to a compliance buyer. Linkurious Enterprise Cloud is fully managed, hosted in European Union data centers, priced at 490 euros per user per month, and covers search, visual exploration, a no code query builder, geospatial and temporal analysis, collaboration and export, without entity resolution, alerts, case management, webhooks or the API. The Linkurious Decision Intelligence Platform is self managed, on premises or in the customer's cloud, quoted only, and carries those capabilities. The product reads from graph stores the customer already owns, Neo4j, Amazon Neptune, Azure Cosmos DB, Memgraph, Google Spanner Graph and Google BigQuery Graph, and publishes which features work against each. Financial lines cover banking, anti money laundering and counter terrorist financing, and counter fraud, with case management, alerting and machine learning that adjusts anti money laundering scoring from analyst decisions. BforBank, the digital arm of Credit Agricole, reports 20 percent more identified fraud cases and investigations ten times faster. The platform was the software behind the Panama Papers investigation. Linkurious SAS of Paris was founded in 2013 by Sebastien Heymann and Jean Villedieu; Nuix Limited, listed in Australia, completed its acquisition on 20 April 2026, and the brand continues as a Nuix company.

SymphonyAI is a Palo Alto headquartered vertical AI company operating across several industries. This profile covers only its financial services division, built around NetReveal, the financial crime platform it acquired from BAE Systems in 2022, and its own Sensa AI line. NetReveal supplies rules based transaction monitoring, customer due diligence, name and transaction screening, watchlist management, fraud management and regulatory reporting, and Sensa layers machine learning over it. SensaAI is an overlay that augments an institution's existing transaction monitoring system using supervised and unsupervised learning without requiring replacement. Around it sit Sensa Investigation Hub for case management and Sensa Copilot, a generative assistant built on Azure OpenAI that lets investigators interrogate a case in natural language and produce investigation summaries. Sensa Agents conduct research and draft suspicious activity report narratives. Sensa Risk Intelligence, launched in October 2025, packages large language models, analytics and agentic capability into a compliance platform. The company publishes five principles of responsible AI with an account of how each is met in named products, ships explanations alongside predictions with a stated probability of match, and surfaces predictions inside case management to support model validation. It names Absa, Metro Bank, UOB, Mizuho, Allianz and OCBC among its customers and states 85 percent fewer false positives, 70 percent faster investigations and a 50 percent reduction in manual reviews. The platform runs on Amazon Web Services and Microsoft Azure in a hybrid cloud architecture, and its financial crime solutions completed a SOC 2 Type 1 audit by A LIGN in January 2023.

LexisNexis Risk Solutions is a data and analytics business founded in 1997, headquartered in Alpharetta, Georgia and owned by RELX. It sells across insurance, healthcare, government and law enforcement as well as financial services, and this profile covers only its financial crime, fraud and identity lines. ThreatMetrix supplies digital identity and device intelligence drawn from the Digital Identity Network, a contributory pool in which customer submissions are tokenized and matched into a digital identifier called LexID Digital, and which the company describes as holding insight into more than 3.3 billion anonymized user identities and intelligence behind over 109 billion annual transactions. Behavioral Biometrics layers interaction analysis over both. The Dynamic Decision Platform delivers orchestration, forensic investigation, case management and reporting, while RiskNarrative offers financial crime lifecycle management through a single API, letting compliance teams change risk models directly. Financial Crime Digital Intelligence combines ThreatMetrix, the Dynamic Decision Platform and the company's own WorldCompliance sanctions and politically exposed person data to assess sanctions exposure in digital channels. Underneath sits patented LexID Linking Technology and the HPCC Systems data platform. The company reports more than 100 million identity verification checks and over 100 billion screening requests annually and working with 93 percent of the Fortune 100. It publishes a data processing addendum, a sub processor list updated August 2026, a ThreatMetrix processing notice and a SafeBase trust center holding SOC 2 Type II reports by product. Two legal entities matter to buyers: LexisNexis Risk Solutions Inc. is a consumer reporting agency under the Fair Credit Reporting Act (FCRA), while LexisNexis Risk Solutions FL Inc., which provides identity verification and fraud prevention, is not.

ACI Worldwide, listed on NASDAQ and headquartered in Elkhorn, Nebraska, is a real time electronic payments software company whose Payments Intelligence and Risk Management segment sells fraud and financial crime detection to the institutions it already supplies with payment infrastructure, so the fraud decision sits natively inside the authorization path rather than calling into it from outside. Two product families are described in its annual report. ACI Fraud Management for financial institutions serves banks, intermediaries, payment networks, processors, acquirers and merchants running private label portfolios, combining AI powered algorithms, data orchestration, network intelligence and predictive analytics, and gives business users AI and expert rules capabilities they operate themselves. ACI Fraud Management for merchants and billers adds positive profiling, customizable fraud strategies, expert support and consortium data, covering first party abuse as well as third party fraud including synthetic identity and account takeover. Underneath both sits patented Incremental Learning, in which models make continuous small adjustments in production rather than requiring periodic retraining, drawing on more than 10,000 signals, over 8,000 AI features and more than 500 behavioral attributes, with network intelligence letting banks, processors, acquirers and networks share fraud signals. Adjacent products cover anti money laundering, know your customer and sanctions screening, strong customer authentication, chargeback protection, dispute processing and payments orchestration. ACI states that it serves nearly all of the top ten banks worldwide and more than 80,000 merchants through its orchestration platform, and names customers including Aegean Airlines, John Lewis Partnership, Mango, KTC and Westpac New Zealand. It is examined by the agencies of the Federal Financial Institutions Examination Council as a data processing servicer, and delivers on premises, in the cloud on Microsoft Azure and Amazon Web Services, in hybrid form or as a multi tenant platform.

Fraudio is an Amsterdam company founded in 2019 by João Moura and Nathan Trousdell, both from the payments industry, selling fraud and financial crime detection to the payment chain rather than to merchants. Its buyers are payment service providers, merchant acquirers, card issuers, processors, card schemes, payment facilitators and large merchants operating their own gateway. Five products run on one platform: card payment fraud detection, merchant initiated fraud detection for acquirers monitoring their own merchant portfolios, anti money laundering, authorized push payment fraud detection and money mule detection. Fraudio pools the transaction datasets of its customers into a single centralized model it calls a brain, trained on billions of transactions, requiring no per customer configuration and learning from every transaction that passes through any customer, and it describes this as a third generation approach after rules based systems and machine learning trained on a single customer's data. Responses are stated at under 100 milliseconds, and data can be sent in real time or as a daily batch through its API. It names Viva Wallet as a customer with stated results, and lists Silverflow, Pismo, Bancontact, Fazz, Cashflows, PayTabs and Paynovate as firms it serves. Commercially it sells pay per use, priced by monthly transaction volume and quoted on request, with a free trial and a free Proof of Results evaluation on a prospect's own historical transactions. The software runs as a service on AWS, the company states ISO 27001 certification, and its terms of service for the detection service were last updated in November 2025.

Ravelin Technology is a London fraud prevention and payments company founded in 2015 by Martin Sweeney and Leonard Austin, who built it after encountering the problem as merchants at the ride hailing company Hailo. Worldpay acquired it in February 2025 on undisclosed terms, and it continues to sell and publish under its own name from ravelin.com. The architecture is the distinguishing feature: rather than scoring against a generic model, Ravelin trains custom machine learning models on each merchant's own historical data, arguing that purpose built models outperform generic ones, and layers graph network link analysis over that merchant's dataset to expose fraud rings and connections in real time. A separate cross merchant lookup answers whether a shopper has been seen as legitimate or fraudulent elsewhere, and the company states that database is fully anonymized. Solutions cover payment fraud, policy and refund abuse, account takeover and multi accounting, promotion and voucher abuse, marketplace and supplier collusion, 3D Secure authentication, and transaction optimization for acceptance and fee management, sold to online merchants and payment service providers. Ravelin Insights adds performance monitoring, transaction anomaly investigation and an artificial intelligence query builder for custom reporting. The company publishes its annual operating figures: in 2025 it secured more than 3.5 billion transactions, served 755.2 million unique shoppers, processed over $61.5 billion in orders, and supported more than 340 merchants taking payments from over 250 countries and territories. It holds ISO 27001:2022 assessed by the British Assessment Bureau alongside Payment Card Industry Data Security Standard and PCI 3DS certification, and names Ekata and Ethoca as data partners.

Accertify is an enterprise fraud prevention and payments company based in Itasca, Illinois, and led by president Mark Michelon. It was a wholly owned subsidiary of American Express from 2010 until May 2024, when the private equity firm Accel-KKR completed a carveout acquisition on undisclosed terms, returning it to standalone independent ownership while American Express continued as a partner. The product set spans four connected areas. Fraud prevention and decisioning is built on the historic Interceptas platform, alongside chargeback management. Account protection runs through Accertify Digital Identity, an API product launched in 2020 covering account opening and account takeover. A payment gateway takes the company into payments infrastructure rather than sitting beside it. Device intelligence is delivered through InAuth technology. The company describes its platform as resting on four pillars: AI and machine learning, community insights drawn from pooled customer data, expertise, and customer held flexibility and control, with user behavior analytics alongside device signals. Customer concentration is stated at 40 percent of the top 100 online retailers together with major global airlines, sports betting platforms, travel and hospitality operators and financial services enterprises. Delta Air Lines is named as a customer since 2010, with the airline's Revenue Protection Unit using the platform and the partnership publicly renewed. The company announced ISO 27001 certification in 2011 and published its information security management system scope at the time.

Kount 360 is the payment fraud and digital identity platform Equifax sells as Payments Fraud on Kount 360, alongside Authorized Payment Protection, Chargeback Prevention and Chargeback Recovery. It was built by Kount, founded in 2007 in Boise, Idaho, and acquired by Equifax in early 2021 for $640 million, and kount.com now redirects to Equifax's identity and fraud pages. Its core asset is the Identity Trust Global Network, which Equifax described at acquisition as linking trust and fraud signals drawn from 32 billion digital interactions, 17 billion devices and five billion annual transactions across 200 countries and territories, resolved through machine learning and a patented device fingerprinting portfolio; the payments fraud page describes dual layer machine learning that analyzes device, IP address and location data against a global network of billions of data points, with the merchant's own policies deciding whether to accept, block or challenge. Kount 360 covers payment fraud scoring for card not present transactions, account creation and account takeover protection, chargeback management including real time prevention built with Verifi, identity verification, and a regulatory compliance line that screens inquiries against global sanctions lists, United States government denied parties lists and politically exposed persons, with customer portfolios rescreened hourly and daily. It scores and decides but offers no chargeback guarantee, so the merchant retains the financial liability. Equifax consumer identity data is disclosed as an additional signal feeding the fraud models alongside the device network. The Identity and Fraud Privacy Policy, updated April 2026, names Kount as controller of fraud prevention data, describes a data sharing arrangement across retail, telecommunications and financial services, keeps fraud prevention data for up to 15 years and stores personal data in the United States. Commerce integrations are named for Magento, Shopify, BigCommerce and Salesforce Commerce Cloud alongside a direct API, with a Kount app on the Shopify App Store since September 2022, and the developer and support sites still carry the Kount name.

Bureau is a unified risk decisioning platform founded in 2020 by Ranjan Reddy, headquartered in San Francisco with offices in India, Singapore and Dubai and processing performed by its Indian and Singapore entities. It sells across the whole customer lifecycle rather than at a single checkpoint, combining device, behavioral, identity, network and transaction signals into one decision layer spanning onboarding, authentication, payments, credit and compliance. Its product lines are Device ID, Behavioral Biometrics, Identity Verification, a Graph Identity Network and Alternative Data. The Graph Identity Network links users, devices, addresses and behavioral patterns across platforms to surface fraud rings and synthetic identities, and Alternative Data supplies credit underwriting signals for thin file borrowers. A runtime application self protection line is outside the scope of this profile. Named use cases include account takeover, bot detection, credit underwriting, location spoofing, promotion abuse, business verification and a Money Mule Score that flags probable mule accounts during onboarding. Identity verification runs against government databases and business registries across a stated 195 countries and more than 2,000 document types, with deepfake, spoof and forgery detection the company puts at 99.9 percent accuracy. Compliance coverage spans know your customer, know your business, anti money laundering, politically exposed person screening and Foreign Account Tax Compliance Act (FATCA) screening. The company states more than 200 signals, more than a billion verified identities, more than 200 customer brands and a 70 percent reduction in manual reviews, and names customers including Aditya Birla Capital, CreditAccess, Spice Money, Uni Cards, Rapido, Vahak and Khyaal. It entered Saudi Arabia in 2023 to support the fraud framework mandated by the Saudi Central Bank, expanded into the Philippines and Indonesia in 2024, and partnered with M2P Fintech the same year. Its data processing addendum states ISO/IEC 27001:2022 certification, with SOC 2 Type II reporting in progress.

Fingerprint sells device identification as a developer primitive rather than as a fraud decision. Its commercial product, Fingerprint Identification, combines browser and mobile signals with server augmented matching to produce a visitor identifier the company states is 99.5 percent accurate and stable across months rather than days, delivered through an API with software development kits for web, Android, iOS, React Native and Flutter. Smart Signals sit alongside the identifier, covering bot detection, virtual private network detection and internet protocol geolocation. The company also publishes FingerprintJS, a source available browser library carrying more than 28,000 stars on its public repository, which the company itself notes is materially less accurate than the paid server augmented product. Because the identifier is a primitive, it is sold horizontally, and only the financial uses are covered here: payment fraud covering fraudulent orders, unauthorized transactions, card testing and chargeback evidence, promotion and multi accounting abuse, loan application validation against previously rejected submissions, and account takeover. Personalization, paywall enforcement, content metering, persistent shopping carts and analytics are sold from the same identifier and are left out. Its pricing is public: a three tier rate card with a free plan, a $99 monthly plan including 20,000 web and iOS requests plus 500,000 Android requests, overage at $4 per thousand, a 14 day unlimited trial, and a precise definition of what constitutes a billable request. Assurance runs through a trust center carrying a SOC 2 Type 2 report, ISO 27001 certification with its Statement of Applicability, a penetration test report and a full policy set. Named customers include Neiman Marcus, Uni Cards and Zebeede.

SHIELD, trading as SHIELD AI Technologies Pte Ltd and formerly CashShield, is a Singapore headquartered device intelligence company founded by Justin Lie with roots going back to 2008. Unlike order screening vendors, SHIELD does not decide anything. It identifies the physical device behind an interaction and returns risk signals, and the customer's own systems make the call. The core asset is SHIELD Device ID, a device fingerprint the company states identifies devices across app and web with over 99.9 percent accuracy even after deliberate manipulation, supported by continuous session profiling that detects emulators, virtual private networks, application cloning, application tampering and location spoofing, and by behavioral signals such as device orientation and swipe speed. More than 30 configurable risk thresholds let a customer set their own tolerances, and the company commits that all data the platform generates belongs to the customer to log, inspect or feed into their own models. Coverage is stated at more than seven billion devices and 500 million user accounts. Delivery is through modular development kits for web, Android, iOS and React Native, server side integration, an alerting API, a unified dashboard and a Unity plugin the company describes as the first fraud prevention product on that asset store. Sector reach runs well beyond ecommerce into ride hailing, gaming, fintech, social platforms and marketplaces, with named customers including Alibaba, Razer, inDrive, Swiggy, Meesho, TrueMoney, BEAT and Buymed, and offices across Singapore, Jakarta, Bengaluru, Beijing, Berlin, London, San Francisco and Miami. The published privacy policy names Amazon Web Services as its data storage subprocessor and addresses automated decision making by citing Article 22 of GDPR directly.

NoFraud sells full service ecommerce fraud screening to small and mid sized merchants, with a Shopify centered distribution model and commercial terms a merchant can test without paying. Orders are screened in milliseconds and returned as a binary pass or fail decision, drawing on merchant specific data, persona tracking, global blocklists, device fingerprinting, geolocation and velocity signals. Fewer than half a percent of orders are held for human review, so the analyst team handles an exception tail rather than the volume. Analyst heavy competitors work the other way around. Two mechanisms extend the decision past the model. Merchants can write custom rules and overrides, which several competitors do not permit. For a limited set of high risk orders, the company also operates Cardholder Verification, where an analyst contacts the cardholder directly to confirm the order is legitimate before it is refused. That brings the affected consumer into the decision, which fraud screening rarely does. An optional chargeback guarantee covers the full cost on passed orders. Its scope is published and limited to unauthorized or fraudulent card use, and non fraud disputes are handled by a separate Chargeback Management service alongside dispute representment. Screening covers card not present orders across cards, PayPal, Apple Pay, Alipay and Amazon Pay. The company publishes a free plan for up to 100 screened orders a month, charges no setup fees and bills only on approved orders. Above a stated threshold of $50,000 of monthly revenue, pricing becomes custom. Published customer results include Obvi at a 1.6 percent revenue lift with chargebacks down 70 percent, and Caraway halving fraud while gaining $68,000 in monthly revenue.

ClearSale is an ecommerce fraud prevention business founded in Brazil around 2001. Formerly listed on the B3 exchange as CLSA3, it was acquired by Experian on 1 April 2025. Since then it has continued to sell under its own name and describe itself as an Experian company, with its Brazilian operation running through Serasa Experian. Its position among guarantee sellers is structurally different: it pairs models with people at scale. Every transaction is scored by AI models, and every flagged transaction is then reviewed by a human fraud analyst rather than declined automatically. The company operates a stated 2,000 or more specialist analysts covering 160 or more countries around the clock. Approved orders carry a chargeback guarantee covering the full cost, a product the company claims to have originated. Alongside it sit Chargeback Protection delivered through ChargebackOps, acquired in January 2022, and Account Protection for identity and abuse. Brand Protection covers phishing and threat monitoring, and an AI Agents Portal exposes the platform to machine readable commerce. The company reports more than $5 trillion in transactions analyzed, a 99 percent accuracy service level and reductions in fraud and chargebacks of up to 95 percent. It publishes an actual entry price, with Growth plans starting at $250 a month on usage based pricing and no upfront or setup fees, and a custom tier above 50,000 orders a month. Eighteen or more native integrations are named, including Shopify, Magento, BigCommerce and WooCommerce, along with VTEX, Salesforce Commerce Cloud, Oracle Commerce, PrestaShop and Shift4Shop. Named customers include Motorola, Samsonite, Victoria's Secret, AutoZone and Office Depot, as well as Bloomberg, SSENSE, Azul and Dafiti.

Sift sells fraud decisioning to digital consumer businesses and fintechs. It scores every event a customer sends, from sign up and login to payments and disputes, in under 150 milliseconds. The customer sets the thresholds and keeps the decision. Sift Science, Inc. was founded in 2011 and is based in San Francisco, with Insight Partners, Union Square Ventures and Stripes Group among its investors. Payment Protection and Account Defense lead the platform. Payment Protection screens transactions for stolen cards, card testing and chargeback fraud. Account Defense watches logins and sessions for account takeover and fake accounts, with email and SMS verification built in. Dispute Management builds and sends chargeback responses. It traces to Chargeback, a dispute company Sift agreed to buy in 2021. Content Integrity, the spam and scam product, keeps its developer documentation but no longer appears on the platform pages. The scoring engine is an ensemble. A global model learns from every customer, cohort models learn from an industry or region, and a custom model learns from one customer's outcomes. Sift puts its network at more than a trillion events a year from 34,000 sites and apps. Each score arrives with the signals behind it. Fraud analysts work in the Sift Console, where workflows block, accept or queue a user for review. AI agents now sit on top. The Review Agent suggests a decision and explains why. The Risk Activity Agent uses generative AI to summarize a user's sessions. The Fraud Attack Defense Suite, launched in October 2026, spots traffic spikes and card testing and pairs each alert with a playbook. A read only MCP server lets a team's own AI tools query Sift. The platform runs on Google Cloud in two US regions, and Dispute Management runs on Amazon Web Services in Oregon. Sift holds ISO 27001:2022 certification and a SOC 2 Type II report. More than 700 brands use it. Remitly, Swan Bitcoin and doxo are among the named fintech customers, beside Patreon, Hertz and Yelp. Sift's AWS Marketplace listing sells platform access in 12 month units at $10,000 each.

Signifyd sells fraud decisions to online retailers and puts money behind each approved order. When an order it approved turns into a fraud chargeback, Signifyd credits the merchant. Complete Chargeback Protection extends that cover to eligible chargebacks that are not fraud. The merchant pays a percentage of the value of each approved order, and an order declined for fraud costs nothing. Signifyd, Inc. is based in San Jose, California. Mike Liberty and Raj Ramanand started it after leaving PayPal, and Ramanand is chief executive. Premji Invest, Bain Capital Ventures and Menlo Ventures are among its investors. Since a brand refresh in September 2026, the products follow the shopper's journey. Session Intelligence reads device and behavior signals. Account Integrity watches signups, logins and account changes. Purchase Optimization holds Guaranteed Fraud Protection, Complete Chargeback Protection, Authorization Rate Optimization and Chargeback Recovery. Returns Assurance scores returns as they are filed. Payment providers buy a separate Payment Optimization Platform. Decisions draw on a network Signifyd puts at more than 950 million digital identities, plus 150 or more outside identity sources and models trained for each vertical. The Spark release of summer 2026 added step ups. A borderline order can go to verification, 3D Secure, a human reviewer or a slower Deep Thinking model instead of a decline. The same release added recognition of orders placed by AI agents, promo abuse rules a merchant can test on past orders, and instant refunds on Shopify. Merchants connect through public APIs or plugins for Shopify, BigCommerce, Adobe Commerce and Salesforce Commerce Cloud. The platform runs on Amazon Web Services, with Google Cloud as a second cloud. A SOC 3 report is free to download, and Signifyd also names a SOC 2 Type II report under NDA, ISO 27001 and PCI DSS Level 1. Philips, Ferguson Home, Cymbiotika and Hot Topic are among the named customers.

Riskified decides in under a second whether to approve each online order, and pays the merchant back for any fraud chargeback on an order it approved. Online retailers, travel firms and ticket sellers buy it. They pay a share of the value of orders it approves, so the fee rises only when sales go through. Around that Chargeback Guarantee sit Adaptive Checkout for graduated friction, Account Secure for logins, Policy Protect for refund abuse and Dispute Resolve for disputes. Card issuers on Marqeta can now draw on its risk data at authorization. Riskified Ltd. is incorporated in Israel and listed on the New York Stock Exchange as RSKD, and it reported 2025 revenue of $344.6 million on $155.1 billion of orders reviewed.

Early Warning Services is a bank owned financial infrastructure company based in Scottsdale, Arizona. Seven major United States banks own it, and it has operated for more than three decades, first under the name Primary Payment Systems. It runs three brands: the Zelle payments network, the Paze digital wallet, and Certos, a portfolio of identity, account and payment risk products launched in April 2026. Certos is where the company's AI sits, and it is the focus of this profile. Verify Identity scores in real time the likelihood that an applicant is who they claim to be. Predict New Account Risk surfaces early indicators of account misuse and first party fraud, and Verify Account confirms account ownership and status. Deposit Chek evaluates deposit risk for funds availability decisions using embedded machine learning models, while Payment Chek and Wire Chek screen payments, disbursements and wire recipients before funds are released. Expand Credit Insights adds deposit account activity to lending decisions for applicants with limited credit history. The set also includes Asset Search and Verification for government eligibility decisions, and Identity Chek alerts. All of it runs over the National Shared Database, contributed to by participating institutions under a give to get model, for which the company acts as what it calls Trusted Custodian. It states that more than 70 percent of United States demand deposit accounts are contributed and that nine of the ten largest United States banks use a new account opening product. Certos sells to roughly 2,500 banks and credit unions and about 5,000 participants, including payment processors, merchants, government entities and identity theft protection providers. Early Warning is separately a nationwide specialty consumer reporting agency under the Fair Credit Reporting Act (FCRA), which shapes its privacy, regulatory and recourse posture. In May 2026 it partnered with an identity decisioning platform to distribute Certos into community banks and credit unions.

GBG is a London listed identity verification, location intelligence and fraud prevention group headquartered in Chester and founded in 1989, with subsidiaries including Acuant, IDology and Loqate. Its platform, GBG Go, delivers identity and address verification, document and biometric checks, customer due diligence, business verification and risk analysis through a single interface, with access to multiple credit bureaus through one integration, and it serves financial services, lending, crypto and foreign exchange, insurance, gaming, retail and government. The inference layer runs across several products. Transaction monitoring applies machine learning to transaction events and behavioral patterns alongside expert fraud rules, which GBG states detects up to 34 percent more fraud with up to 51 percent fewer false positive alerts. GBG Instinct detects application fraud, and Cetelem in Mexico reports a 50 percent reduction in losses after adopting it. The document product defends against synthetic media by analyzing lip movement and mouth shapes in video for synchronization discrepancies. Underneath is a consortium identity network spanning several hundred organizations across more than twenty sectors and eighty countries, applying pattern matching, data mining and machine learning to return an identity trust score in seconds, which GBG states it does without divulging protected data. In 2026 GBG launched an agent portfolio: Reach, generally available, verifies addresses, email and phone numbers through a command line tool, an MCP server, a web API and a Claude Agent Skill, and GoPlane, in beta, runs every identity, compliance or fraud decision as a real GBG Go journey with a retrievable run identifier, referring uncertain cases to a human reviewer. GBG publishes an AI charter, a products privacy policy and a trust center listing its certifications.

OneSpan is a Chicago based, publicly listed security vendor built on the authentication business formerly known as Vasco, serving more than 10,000 customers including over half of the hundred largest global banks. The portfolio spans hardware and software authenticators, mobile application shielding, a mobile security developer toolkit, identity verification, electronic signature and digital agreement workflows. The inference layer is a named and separately purchasable product line. Risk Analytics scores transactions in real time using machine learning and data modeling over device integrity, application signals, user behavior, malware indicators, transaction detail, beneficiary payment history and server side analytics, then drives workflows that act immediately according to policies and rules the bank defines, with automated alerts routed into a single case management interface for analyst review. Intelligent Adaptive Authentication couples that risk engine to multi factor authentication so that higher risk activity automatically triggers a stronger challenge rather than a uniform one, shipped with preconfigured rule sets and predictive models tuned separately for mobile, online and corporate banking. The company positions both against named regulatory regimes, including European strong customer authentication rules and a central bank mandate in the United Arab Emirates, and publishes a customer engagement modernizing authentication for an Italian bank under the revised European payments directive.

Nasdaq Verafin is a cloud financial crime management platform for banks and credit unions, founded in 2003 in St John's, Newfoundland and acquired by Nasdaq in 2021. It covers anti money laundering and counter terrorist financing, fraud detection, sanctions screening, high risk customer management, investigation, information sharing and regulatory reporting, and its detection layer is built on a cross institutional consortium data network of more than 2,800 customer institutions holding more than $13 trillion in collective assets, which it presents as the source of its typology awareness. Nasdaq's 2025 annual report describes the platform as serving more than 2,750 North American financial institutions, including global systemically important banks. Since late 2025 the company has shipped an agentic AI workforce of named analysts for sanctions, anti money laundering, enhanced due diligence and fraud alerts, which triage alerts, gather context and either clear them or escalate them for manual review, with auto dispositioning available for fully autonomous workflows and reporting and performance tools for oversight. More than 750 institutions use the agentic products. A platform agnostic deployment model extends the same workers across third party systems, where the agent signs into the other vendor's product and works its alert queue as a person would. Institutions can configure the level of automation and of human review separately for each workflow. First National Bank of Omaha reports a 50 percent cut in time spent on enhanced due diligence and sanctions alerts, and Pinnacle Bank reports 30 percent fewer false positives.

Milliman is a global actuarial and consulting firm that also ships a portfolio of named, separately licensed analytics products to insurers. This profile covers those products rather than the consulting practice. Milliman IntelliScript serves life and health carriers with data driven risk assessment: Irix medical and prescription histories, the Curv suite of predictive models for identifying unknown risk in groups, and underwriting insight drawn from pharmacy and medical claims records. Milliman Nodal applies machine learning and natural language processing to structured and unstructured claim data, including adjuster notes, medical notes and police reports, to triage property and casualty claims, predict litigation likelihood, flag excessive medical cost and benchmark spend across workers compensation, auto liability and general liability. Nodal is delivered as a fully managed service with models tailored to each client's own claim and text data on top of a shared reference database, and companies deploying it report average cost savings between five and fifteen percent. Other products include AccuRate Fleet, a usage based score for pricing fleet exposure and driving behavior, Datalytics Defense for detecting patterns in attorney billing, an explainable platform for detecting and quantifying fraud, waste and abuse, Market Baskets for property and flood pricing, and the actuarial platforms Arius, Integrate and the Economic Scenario Generator. IntelliScript operates as a consumer reporting agency under the United States Fair Credit Reporting Act (FCRA) and appears on the Consumer Financial Protection Bureau list of consumer reporting companies, so an individual can obtain their own report free of charge and dispute its contents directly. Nodal was named the 2025 InsuranceERM Americas award winner in its category, chosen by an independent panel of industry experts.

CRIF is an Italian credit information and decisioning group founded in Bologna in 1988, operating credit bureaus, business information services, analytics, outsourcing and processing across roughly forty countries on four continents with more than six thousand six hundred professionals. It reports supporting over five thousand banks, financial institutions and leasing companies in end to end credit management, alongside tens of thousands of non financial businesses, and it also serves insurers, telecom and media operators and energy and utility companies. Its regulatory position is unusual for a technology supplier and rests on two distinct authorizations: CRIF Ratings is a credit rating agency registered with the European Securities and Markets Authority and recognized as an External Credit Assessment Institution, issuing ratings on non financial companies based in the European Union, and the group is an authorized Account Information Service Provider in every European country where the second payment services directive applies. Several central banks and public authorities use its technology to run national credit reporting infrastructure, and it has built bureaus in markets as varied as continental Europe and the Caribbean. The software line comprises a lending journey platform covering digital onboarding, identity and business verification, open banking data and creditworthiness assessment, and an end to end credit management platform that calculates scoring and rating models, drives portfolio strategies such as pre approved offers, and runs early warning processes on traditional bureau and current account data together with categorized open banking data. Machine learning and generative capability appears as automated checks that verify each transaction against internal credit policy and regulatory requirements, a credit agent that surfaces real time insights and recommendations for credit managers, and algorithmic creditworthiness scoring inside the origination flow.

Abrigo is a United States banking software and advisory firm serving more than 2,400 community and regional banks and credit unions, formed from the combination of Banker's Toolbox, Sageworks and MST and headquartered in Austin, Texas. Its portfolio spans lending and credit risk (commercial, consumer, small business, construction, equipment and agricultural origination and credit risk analysis), portfolio risk and allowance (current expected credit loss, asset and liability management, income recognition, investment accounting, loan review and stress testing), customer relationship and marketing tools, financial crime (anti money laundering, fraud detection and sanctions screening), and the Abrigo Connect data platform. AI is layered across that estate as named agents and assistants: APX for agentic lending, the Lending, Loan Review and AML Assistants, and AskAbrigo, with machine learning inside fraud detection and screening; outputs are editable and the institution approves the final document. Named customers include First United Bank and Trust Company, whose fraud review time fell from four hours to under one hour, Bank Independent, CommunityAmerica Credit Union and Capital City Bank. Abrigo is examined by the FFIEC agencies as a technology service provider and provides SOC 1 Type 2 and SOC 2 Type 2 reports to clients through a due diligence portal.

Provenir sells a decision intelligence platform that banks, lenders, card issuers, payment firms and telecom operators use to decide on credit, fraud and identity across the customer lifecycle. Risk teams build decision flows in a low code studio and pull outside data from a marketplace of prebuilt connections. They test strategy changes on live production data before release. Governed AI agents handle routine work such as reading documents and drafting credit memos, and they pass complex or uncertain cases to a person. Provenir reports more than 120 customers in over 60 countries and more than 4 billion decisions a year. Named customers include BBVA, GM Financial, NewDay, SoFi and MTN Group. Provenir is based in Parsippany, New Jersey, and its ISO/IEC 27001 certificate can be opened from its website.

Identomat is a Georgian American identity verification and compliance platform sold to banks, insurers, electronic money institutions, payment providers, telecom operators, gaming operators and government agencies, covering onboarding know your customer checks, operator led video verification, anti money laundering screening, business verification, age verification and transaction monitoring from a single modular platform. It was founded in 2019 by chief executive David Lomiashvili, chief operating officer Zurab Kotaria and chief technology officer Rezo Imnadze, and is incorporated in the United States with headquarters in Champaign, Illinois and its engineering base in Tbilisi. The verification engine combines document capture and optical character recognition across more than nine thousand government issued document types, chip reading, active, passive and cascading liveness detection tested to iBeta Level 2 for presentation attack detection, one to one and one to many face matching, proof of address extraction and risk scoring. Results route automatically to approval, rejection or a manual review queue according to face similarity thresholds the customer sets, and a separate operator led video product provides a virtual branch for cases that need a supervised interview. More than one hundred enterprises and government bodies are reported as customers, named ones including Bank of Georgia, TBC Bank, ProCredit Bank, Credit Agricole, Liberty, the digital bank Space, the insurer Aldagi, the Ukrainian payment institution NovaPay, the Lithuanian electronic money institution Paysera and the World Bank GRAIL land administration project. Pricing is published per verification across two priced tiers with stated monthly minimums and included volumes. Deployment spans public, private and hybrid cloud, hosted and on premises, verification data is hosted at Frankfurt on Amazon Web Services, and its privacy policy states that biometric data and facial images are never used to train or improve any model.

Authologic is a Warsaw headquartered identity infrastructure company founded in 2020 by chief executive Krzysztof Klimczak with Jaroslaw Sygitowicz and chief technology officer Marek Rogozinski, operating through entities in Poland, the United Kingdom and the United States. Its OmniID platform resolves identity through a single API that selects the most suitable available method across more than 28 national electronic identity schemes, including mObywatel, Diia, DigiD, itsme, SPID, DNIe, FranceConnect+, Personalausweis, MitID, Freja eID and the Estonian ID kaart, national and private wallets including Apple, Google, Samsung and the European Digital Identity Wallet, bank identity systems and open banking, with document scanning, liveness detection and face matching as fallbacks and an OmniPanel analytics dashboard. Its argument is that generative models have broken photograph based document checking, so a cryptographically issued credential that is verified rather than judged is stronger and more private, disclosing only the attribute required. Zero knowledge proofs verify age and personhood without exposing underlying data, and retention is set by the customer with Authologic purging what is no longer needed. It lists ISO 27001, ISO 9001, ISO 22301 and payment card security certifications and a PSD2 Account Information Service authorization, and operates as a trust service provider under eIDAS 2.0 with a published trust service policy and status list. Named clients include mElements, the mBank Group ecommerce arm behind Paynow, Intrum, WEALTHON, FONIA Telecom and LV Bet.

Bits Technology, trading as Bits and registered in Sweden as Finbits AB, is a Stockholm compliance infrastructure platform founded in 2022 by former operators from Klarna, Amazon Web Services and Tink, led by cofounder and chief executive Jonatan Klintberg. It sells a single integration that replaces a stack of local point solutions, covering know your customer and know your business onboarding, a configurable AML risk score, ongoing due diligence across more than 1,300 lists, transaction monitoring built for the EU's AMLR 2027 requirements, and case management with audit trails across more than 100 markets. Through one connection customers reach more than 60 data sources, including Bolagsverket, SCB, Companies House and PRH, electronic identity schemes such as BankID, MitID, itsme and DigiD, and Veriff for identity verification. A no code workflow builder configures the process and the platform is delivered API first with public developer documentation. Bits AI adds an agent that summarizes raw case data and drafts an actionable decision which a human then verifies or edits, plus a co pilot that answers questions across case data, and Bits describes its role as sorting, summarizing and surfacing rather than deciding. Named customers include Alisa Bank, Qliro, Walley, Brite Payments, Coinmotion, Lesslie, CleverCards and 0to9, and Bits reports a 3.8 times return over five years for customers.

IDMERIT is a San Diego headquartered identity verification and compliance provider, led by chief executive Tony Raval, selling know your customer, know your business and anti money laundering checks through a modular set of APIs. Eleven named services make up the platform: IDMkyc for identity matching, IDMkyb for business verification, IDMaml for sanctions, politically exposed person and watchlist screening, IDMscan for identity document scanning, IDMlive for liveness, face match and deepfake detection, IDMdevice, IDMtrust, IDMsocial, IDMautofill, IDMconnect and the IDMkyx umbrella. Its homepage addresses financial services, cryptocurrency exchanges and forex trading platforms, shows TransUnion, Paysafe, eToro and Betway among its logos, and states coverage of more than 180 countries and territories, more than 440 data sources and more than 580 identity document types. The company positions data coverage rather than modeling as its differentiator, drawing on traditional sources in more than 90 countries including Brazil, India, China and South Africa: credit files, government data, electoral rolls, insurance data, mobile records, utilities data, social network files and ecommerce information, with IDMconnect claiming direct access to more than 2,300 utility providers across more than 40 countries. The described mechanism is a match rate: identity information submitted to the API triggers a query against licensed sources and the customer receives a match result rather than the underlying records. The service is marketed as fully automated with no human interaction in the verification path, and its product page lists geography, economic status, education, age, income and gender as demographic factors it examines to flag risk.

ComplyCube is a London identity verification, know your customer, know your business and anti money laundering platform led by chief executive Dr Tarek Nechma, with Harry Varatharasan as chief product officer. It sells identity assurance, screening and due diligence through one platform reaching more than 220 countries and territories, supporting over 10,000 document types, drawing on more than 3,000 data sources and processing a reported ten million transactions weekly. The identity assurance side covers document authentication, biometric verification with liveness detection, facial age estimation, address verification, electronic identity verification and multi bureau checks against government and credit bureau records. The screening side covers sanctions and politically exposed person screening, adverse media, watchlist checks and continuous monitoring. Around them sit a workflow builder, case management, risk scoring, smart forms and a policy assurance module, delivered through a documented API, web and mobile software development kits, a hosted verification page and a no code portal. Named industries include financial services, fintech, payments, crypto, telecoms, accounting and mobility. Its distinguishing feature is the depth of independent certification: ISO/IEC 27001:2022 for information security, ISO 9001:2015 for quality management, UK Cyber Essentials, certification as a UK Identity Service Provider under the government's Digital Identity and Attributes Trust Framework across all Levels of Confidence with 23 certified profiles covering statutory Right to Work, Right to Rent and Disclosure and Barring Service checks, ISO/IEC 30107 part 3 presentation attack detection level 2 testing of its face matching and liveness system, and Age Check Certification Scheme certifications to ACCS 4:2020 for age check systems and ACCS 2:2021 for data protection and privacy with zero non conformities, the latter scheme approved by the UK Information Commissioner's Office under the UK GDPR. It publishes plan prices from $99 a month with per check unit prices, and runs a trust center and a public status page.

Detected is a London business verification and onboarding platform founded in July 2020 by Liam Chennells and Nathan Kelleher, positioning itself as a trust platform answering whether a business or individual can be trusted, across onboarding, screening, monitoring and decisioning. The platform is built around case management holding risk profiling, forms, documents and screenings, an orchestration engine that routes, validates and sequences the outputs of third party providers, and a no code workflow builder that lets compliance teams change onboarding journeys by customer type, product, jurisdiction or risk tier. It integrates directly with company registries worldwide, maps beneficial ownership to natural person level, verifies business domains against WHOIS records, screens entities and associated parties against sanctions, politically exposed person and law enforcement databases, and onboards companies, charities, trusts, funds, partnerships, sole traders and associations. Named providers running inside the platform include ComplyAdvantage, Dun and Bradstreet, LSEG, Moody's, Trulioo, GBG, OpenCorporates, Kyckr, AsiaVerify, Resistant AI and Anthropic. Named customers include Navan, which cut onboarding decision time from 52 days to one day, PHH Group, Fruugo, Zelis, DailyPay, Gumtree and Purolator, and GBG markets a co branded product called GBG Detected. Its published AI position states that every AI feature is opt in, that the AI acts in an advisory role surfacing insights rather than verdicts with human sign off enforced at every point, and that six named controls cover guardrails, prompt injection protection, hallucination controls, monitoring with quality scoring, consumption management and audit logging. It also runs a Model Context Protocol server letting customers connect their own agents to its data.

Dotfile is a Paris business verification platform founded in 2021 by Vasco Alexandre and Titouan Benoit inside the startup studio Hexa, formerly eFounders, with offices in San Francisco and London. It sells an end to end know your business platform that assembles a picture of a company through a single API reaching more than 60 data providers across more than 200 jurisdictions and more than 400 million company records. A customer lifecycle layer covers data orchestration, a configurable risk engine, an Integration Studio with more than 1,000 connectors, case management and a white label client portal. A data intelligence layer covers business data and beneficial ownership discovery, anti money laundering and sanctions screening, online reputation scoring, identity verification, and Dotfile Autonomy, AI agents that pre investigate business verification cases from document collection to a risk summary. Solutions are packaged for business onboarding, individual onboarding, perpetual monitoring, back book remediation and fraud detection, with risk scoring for cryptocurrency businesses and readiness for the European MiCA regime. Named customers include Flowdesk, which reports onboarding 75 percent faster, Keyrock, Defacto, Spendesk, Unzer, Flow Traders and Roundtable. It takes registry coverage from Kyckr and electronic identity verification from GBG, states EU located servers, and runs a trust center on its own subdomain.

Oz Forensics builds facial biometric liveness detection and face matching software sold to banks, fintechs, identity verification vendors, telecommunications operators, gaming operators and government agencies in more than 30 countries. Founded in 2017 and headquartered in Dubai, it was acquired in September 2024 by Unico, a Brazilian digital identity company, and continues to ship under its own name. Oz Liveness establishes that a real person is present and defends against presentation attacks, injection attacks, deepfakes and three dimensional masks; Oz Biometry performs one to one verification and one to many identification; document character recognition sits alongside. It sells a hosted service, on premises licenses, an Instant API that stores no data, and listings on the AWS and Huawei cloud marketplaces, and reports more than 3 million authentications a day. External validation includes presentation attack detection testing at levels 1, 2 and 3 by iBeta and BixeLab, injection attack detection testing by BixeLab against CEN/TS 18099, and NIST face recognition evaluation of its matching model. Its trust center publishes the laboratory reports, ISO/IEC 27001:2022 and SOC 2 Type 2 credentials and a subprocessor list. Named customers include Alvos, Caina and Unico.

Ondato provides a single compliance platform, marketed as an operating system for know your customer work, covering identity verification, business verification, AML screening and monitoring, transaction monitoring, case management, electronic and SMS signatures, a virtual branch for video identification, and age verification. It was founded in Vilnius in 2016 by Liudas Kanapienis, who remains chief executive, and Andrej Vistorskij, with its operating company UAB Ondato in Vilnius. Verification combines AI powered document checks, facial biometrics and liveness detection with photo, video and NFC chip based options, and a biometric stoplist check matches faces against individuals previously flagged for fraud. Ondato reports a 97 percent average pass rate, 30 second average onboarding, coverage of 192 countries and more than 15,000 AML data sources, and names customers including Luminor, Compensa Life, Fintrust, BlueEmi and Ooredoo. Prices are published per unit in ranges on a public pricing page, from 1.40 euros down to 50 cents per identity verification, and only completed verifications are charged. Its security page lists ISO/IEC 27001:2013, iBeta presentation attack detection testing at levels 1 and 2, eIDAS and ETSI conformance, and approval from Germany's Commission for the Protection of Minors in the Media for age verification.

iDenfy is a Lithuanian regulatory technology company providing identity verification, business verification, anti money laundering screening and monitoring, transaction monitoring and fraud prevention through a single platform and interface, sold to electronic money institutions, banks, fintechs, crypto platforms, gaming operators and marketplaces. Founded in 2017 and based in Kaunas, it reports more than 1,000 business customers, coverage of over 200 countries and territories and support for more than 16,000 government issued documents. Three dimensional liveness detection and passive biometric verification are paired with an optional 24/7 in house review team that double checks flagged verifications within three minutes. Named customers include Mano Bank, Payset, GOAT Finance, HollaEx, Cherry Servers and Beera Station. Rates are published per verification, from $1.35 with a $135 monthly minimum down to 50 cents on volume Enterprise contracts, with an option to pay only for approved verifications. iDenfy publishes its ISO/IEC 27001 certificate number and issuer, names a SOC 2 Type II report from House of CPA, holds an eIDAS conformity declaration from the Electrotechnical Testing Institute in Prague, keeps all data in the European Union on Amazon Web Services in Dublin, and names its processors in its privacy policy.

AU10TIX provides automated identity document authentication, biometric verification, liveness and fraud intelligence to payment providers, banks and brokers, crypto platforms, marketplaces, gaming operators and other high volume digital businesses. The company grew out of border control and aviation security document authentication and is a subsidiary of ICTS International, a Dutch security group. Its product line covers an identity verification suite supporting more than 5,000 document types, liveness and deepfake detection, combined know your business, know your customer and anti money laundering checks, a reusable digital ID built on Microsoft Entra Verified ID, and Serial Fraud Monitor, a fraud intelligence consortium that links repeated identity elements, document conflicts and coordinated attack patterns across participating organizations, sectors and geographies. AU10TIX names customers including PayU, Walmart, TikTok, AliExpress, Booking.com, Payoneer, OKX, Coinbase, Saxo Bank, Interactive Brokers, Fiverr, 888 Holdings and FXCM, and publishes plans with a $500 monthly minimum. Its certifications include ISO/IEC 27001 and 27701, a SOC 2 Type II attestation, Texas Risk and Authorization Management Program certification at level 2, iBeta presentation attack detection testing, and Kantara certification of its identity proofing against NIST Special Publication 800 63A at identity assurance level 2.

Microblink builds computer vision and biometric models for identity document capture, authentication and verification, sold to banks, lenders, fintechs and payment providers as software development kits and as a hosted platform it now calls the Identity Intelligence OS. The platform combines real time intelligence (document verification, deepfake detection, biometrics and device signals), a Command Center with decision and rules engines and fraud analytics, an identity graph, and workflow orchestration. Capture runs on the device through client side machine learning models. Microblink states that it processes more than 4 billion identities a year across more than 195 countries and territories, and names customers including Banco Azteca, for account opening and loan applications, Latin ID, which reports a 98 percent success rate for automotive lenders, and Instacart. In the Department of Homeland Security Science and Technology Directorate's Remote Identity Validation Rally, announced March 2, 2026, Microblink reports it was the only one of seven vendors to meet every performance threshold, with a 3.15 percent document false reject rate and a 0.88 percent false accept rate. It holds ISO 27001:2022 with an ISO 27701 privacy extension and a SOC 2 Type II examination. The company was founded in Croatia and is headquartered in New York, with research and development in Zagreb.

Jumio sells identity verification and fraud signals to banks, fintechs, lenders and other regulated businesses. Its platform checks more than 5,000 government ID types for tampering, matches a selfie to the document with liveness detection against spoofs and deepfakes, and screens customers against sanctions, PEP and adverse media lists. The Jumio Identity Graph, which Jumio puts at more than 75 million identities, links activity across its customers to score risk, and selfie.DONE lets a returning user verify with a selfie alone. Jumio reports more than one billion transactions processed, and Ahli United Bank says account opening fell from up to five days to five minutes. The company is based in Sunnyvale, California, and Mark Lorion became chief executive in April 2026.

Bizbaz is a Singapore company founded in 2019 that sells alternative credit scoring and financial intelligence to banks, fintech lenders, ecommerce companies and telecom operators in Southeast Asia, aimed at unbanked and underbanked people and small businesses. Its products include a Financial Health Profile for individuals and a Financial Business Health Profile for micro and small enterprises, alongside fraud detection, eKYC and a product recommendation engine. The company has described building risk profiles from financial, health, lifestyle and social footprints, including personality based and voice based risk assessment, and the Philippine bank RCBC announced a pilot of its credit assessment tool in 2023. Its website did not load in October 2026, and no company news has appeared since its 2022 seed round, so it is unclear whether the company is still trading.

Dossiers, operated by A Squared Technologies Pte. Ltd., sells Dossiers OS, an AI powered operating system for financial crime teams that brings onboarding, AML screening, transaction and device monitoring, and investigation into one platform. Screening runs against sanctions lists, watchlists, PEP data and adverse media from its own Dossiers Cosmos data or a supported provider, eliminating a match only where an attribute positively contradicts identity, and AI assistants work with the sources in view, with read access to records and approval required for any write. The company is headquartered in Colombo with an office in Singapore, and names Sri Lankan securities and wealth firms including SC Securities, NDB Securities, Asia Securities, NDB Wealth and Asha Securities, and the payments company KOKO, among its users.

IDVerse is LexisNexis Risk Solutions' document authentication and biometric verification product, built by the company founded in 2014 as OCR Labs and acquired by LexisNexis. It authenticates government identity documents from more than 220 countries with up to 300 fraud checks per document, matches faces to documents with liveness detection, and defends against deepfakes, injection attacks and masks using proprietary deep neural networks, returning fully automated yes or no decisions through hosted pages, APIs and SDKs. LexisNexis reports 99.998 percent face to document matching accuracy and 98.5 percent text extraction accuracy, and the service is audited against ISO 27001, ISO 27701, SOC 2 Type 2 and the NIST 800 63A identity standard. It is certified on the UK register of digital verification services as an identity service for right to work, right to rent and criminal record checks.

Incandor builds behavioral intelligence infrastructure for banks, fintechs, neobanks and digital banks, on the argument that institutions verify identity at account creation but have no continuous signal for who is actually operating an account afterwards, while identity itself has become a commodity attackers buy in bulk. It constructs a behavioral map of every user from physical interaction signals including mouse dynamics, keystroke timing, scroll patterns and how a phone is held, requiring no fraud labels or historical data, so detection works from the first session. Each individual forms a unique cluster regardless of which account they use, which surfaces account takeovers, mule handoffs, shared operators and coordinated rings, and supports bot detection and identification of sessions under stress or coercion. Rather than returning a risk score, it exposes the map as a programmable interface so a fraud team combines behavioral signals with its own transaction and customer data. It collects only behavioral signals, not what users type, read or view.

Transparently.AI detects accounting manipulation and fraud across more than 85,000 listed companies worldwide, serving portfolio managers, risk professionals, auditors, banks, exchanges and sovereign investors. Its risk engine replicates the analytical behavior of forensic accountants, activist short sellers, credit analysts, equity analysts, auditors and academics across roughly 200 proprietary financial models, grouped into 14 clusters of accounting risk signals, producing a letter rating and a 0 to 100 score representing the joint probability that a company is manipulating its numbers and the likelihood of consequent collapse. It reports predicting over 90 percent of corporate collapses up to three years in advance and generates full forensic reports with red flag explanations and suggested next steps in seconds. A generative assistant lets users interrogate any company's financial statements conversationally and returns charts and comparisons alongside the specific question to put to management. Interface access embeds the analytics into existing risk tools.

Hawk provides financial crime detection to more than 80 institutions worldwide, from tier one banks to digital-first fintechs, combining traditional rules with explainable machine learning across transaction monitoring, customer and payment screening, customer risk rating, entity risk detection and fraud prevention in one modular platform. Its overlay model supplements a bank's existing rule-based systems rather than replacing them, and it reports raising alert accuracy toward 90 percent in some deployments while cutting false positives and uncovering twice as many previously undetected cases of novel criminal activity. An investigative agent applies agentic AI to anti-money laundering casework, handling data collection, case categorization and automated drafting of suspicious activity report narratives. Explainability is central to the design, on the argument that an institution must be able to justify why a specific customer was flagged. Integration reaches all four major US core banking providers.

Prism Layer encodes an organization's risk frameworks, regulatory context and institutional knowledge into what it calls a governed agentic execution layer, aimed at financial services, payments and fintech firms. Its distinguishing claim is that rather than storing risk records after decisions are made, it executes the structured reasoning behind risk analysis as those decisions happen, producing auditable and defensible output at business speed. Supported work covers risk assessments, key risk indicators, controls testing, risk and control self-assessments and product risk review. The company emerged from stealth in April 2026 with a pre-seed round led by a venture firm focused on financial services and regulatory technology whose partners include former senior leaders of the US consumer financial regulator. Its three co-founders were all risk executives at the same payments company, with prior enterprise risk leadership across money transfer, brokerage, card network and consumer lending businesses, and direct experience with Irish, Australian and UK regulators.

Scienaptic AI sells a credit decisioning platform to US credit unions and other consumer lenders. The lender's loan origination system makes one API call and gets back a decision with its price, terms and reasons a member can read. The models start from more than 500 million lending records and are then adapted and tested on each lender's own loans. Fraud checks run inside the same call, before an underwriter sees the application. Separate products price vehicle loans deal by deal, refresh prequalified offers and warn of rising delinquency. iCUE, an agentic layer, watches the portfolio and acts across those steps. Scienaptic describes itself as a credit union service organization, and its site lists more than 160 lenders on the platform.

Zest AI sells machine learning credit underwriting to US banks, credit unions and specialty lenders. Its data scientists build a custom model for each product line from the lender's own loan history, and the score appears inside the lender's loan origination system. Every decisioning model comes with model risk and fair lending documentation, and Zest's fair lending method searches for less discriminatory alternatives. Zest also sells fraud detection, three models plus a shared consortium, and LuLu, a generative AI tool that answers lending questions from the lender's own data. Founded in 2009 as ZestFinance, it is based in Burbank, California, and has operated as a credit union service organization since 2021.

FluxForce sells AI agents to banks, fintechs, insurers and trade finance firms for fraud detection, identity verification, regulatory compliance, zero trust security and payment security, with 28 specialized agents organized into squads that share signals in real time. Its fraud agent scores every transaction in under two seconds with machine learning and more than 100 deterministic rules, and its compliance agent maps activity to frameworks including BSA and AML rules, DORA, the EU AI Act, GDPR, MiFID II, OFAC and NYDFS requirements. Autonomy is tiered by risk: low risk actions are automated, medium risk cases go to a person by default and high risk cases are always reviewed, every decision is stored with its reasoning in a tamper evident record, and any agent can be stopped with a kill switch. It deploys as SaaS, on premises or hybrid, typically within 30 days after a shadow mode period, and is operated by FluxForce AI Pvt. Ltd. in Punjab, India.

Optasia is a listed AI credit decisioning platform embedded inside mobile operator and wallet ecosystems across 38 countries in Africa, the Middle East and South Asia, working through 49 distribution partners and 13 banks. More than 200 machine learning models draw on thousands of alternative signals per user to make around 1.5 billion credit decisions a month at roughly 300 per second, supporting micro loans averaging about $5 and airtime advances that traditional banks cannot profitably process. It does not lend from its own balance sheet: partner banks provide liquidity while Optasia underwrites the default risk and provides guarantees, letting distributors earn lending revenue without balance sheet exposure. Built specifically for markets, it facilitated around $6 billion of credit in a year, serves over 430 million annual active users, and listed on the Johannesburg exchange in November 2025.

Finvero runs a multi-lender credit marketplace in Mexico and Colombia connecting lenders, merchants and consumers, supplying the credit infrastructure and pre-qualified applicants rather than lending itself. Its four modules cover origination, a risk and fraud engine, collections and portfolio administration, across both consumer and business segments and product types including installment, revolving and buy now pay later, with in-store origination. Alternative credit scoring built on generative AI and alternative data supports decisions in under five minutes, and the company reports lenders improving decision accuracy by 10 to 15 percent. Lenders build their own traditional, AI and predictive scoring models and set their own fraud criteria on the platform. Its collections model publishes its full feature set, and it partners with a card network's inclusive growth program supporting micro-entrepreneurs.

TrustDecision, headquartered in Singapore with offices in Malaysia, Indonesia, the Philippines, the United Arab Emirates, Saudi Arabia, Mexico and Hong Kong, sells fraud, credit and identity risk technology to banks, consumer lenders, payment companies and digital businesses. Its products include device intelligence, a global risk persona built from IP, email and phone signals, credit scoring and credit data insights, the ARGUS fraud management platform, the PISTIS credit management platform and the ARCHER risk decisioning system, returning scores, labels and decisions within 20 milliseconds through public APIs and SDKs for Android, iOS, web and other platforms. The company reports more than 1,000 clients and an estimated $10 billion in losses avoided for businesses each year, and its privacy policy states that end user data is never shared between clients.

Curacel is insurance infrastructure for African and emerging markets, automating claims processing and detecting fraud, waste and abuse for insurers, healthcare providers and third party administrators. Its models vet claims automatically so staff handle only quality control, and customers report cutting fraudulent, wasteful and abusive payouts by around 25 percent while shortening claims cycles by more than 70 percent and processing up to ten times more claims. Beyond serving insurers directly it links them to primary care hospitals, travel agencies, automobile companies and security firms, and its embedded product lets technology companies offer insurance inside their own services without becoming insurers. Named customers include three of the largest insurers operating on the continent. Backers include Y Combinator, Google and Tencent.

Nufi verifies people and businesses in Mexico through background check reports, identity validation APIs, a business verification product and a document extraction service. Its checks draw on more than 100 public sources, including the CURP population register, the RFC tax registry and SAT lists, the INE voter roll, the public commerce registry, professional credentials, federal and local court records and watchlists such as OFAC, alongside biometric selfie and liveness matching, document reading and phone and email risk analysis. The business verification product extracts data from incorporation documents and powers of attorney, validates legal representatives biometrically, detects altered PDFs and produces a file with status, evidence and traceability for audit. Buyers use it for lending, collections, hiring, rentals and AML onboarding, and its API documentation is public.

AIZEN Global runs two connected businesses from Seoul. ABACUS is an automated machine learning platform built for finance, used by large banks, card issuers and insurers to build, monitor and update thousands of predictive models in parallel through one interface, covering underwriting, fraud detection, anti money laundering, auditing and claims, and exposed through interfaces that leave existing systems unchanged. CreditConnect applies it to lending, converting non financial data from e-commerce, mobility, e-wallet, education and healthcare platforms into credit decisions so those platforms can offer financing while banks remain the lender. The company was the first designated by Korea's Financial Services Commission to underwrite loans on behalf of banks using AI-driven credit decisions, and signed 117 affiliated companies within eight months of launching in Vietnam.

Refine Intelligence automates the customer outreach banks use to resolve fraud and AML alerts. When an alert fires, its agentic AI investigates, contacts the customer by push notification, email or SMS with consistent, structured questions about the purpose of a payment, the source of funds or the relationship to the beneficiary, and resolves the alert or escalates it to an analyst with an audit trail. Its fraud products cover check fraud, scams, bank impersonation, business email compromise and Zelle payments, and its AML product handles requests for information and due diligence outreach. The models are trained on a proprietary dataset of customers' explanations of anomalies, and the company reports 88.6 percent automated alert resolution in production. At Valley Bank, median AML inquiry resolution fell from 16 days to two minutes, with 85 percent of digital requests completed.

Trusting Social, operating through Trust IQ Pte. Ltd. in Singapore, scores consumers with little or no formal credit history for more than 130 financial institutions across India, Indonesia and Vietnam, and partners with UNO Digital Bank in the Philippines. Its Trust Scores evaluate creditworthiness and fraud risk from a phone number using anonymized telecom data, its Trust Vision product handles digital onboarding with facial recognition, and Smart Customer Acquisition helps lenders reach underserved borrowers. The company states it has scored more than a billion consumers, processes 120 billion records a week and has enabled $800 million of personal loans, and reports credit loss reductions of 48 to 63 percent across card, personal, consumer durable and motorbike lending. It says scoring runs on premises in partner data centers on anonymized data with no personal information of data subjects retained, and it holds ISO 27001 certification.

Monnai supplies identity and behavioral data and derived insights to financial institutions, fintechs, ecommerce companies and marketplaces, drawing on proprietary data pipes and a consortium covering more than 190 countries. Its AI converts structured and raw data into insights that feed client decisions across acquisition, onboarding and AML checks, risk assessment, credit decisioning and collections, delivered through an interface that plugs into existing workflows. Customers named on its site include Yubi, Flip, Ninja Cart, Drip Capital, Nelo and FrankieOne; Yubi reports a 20 to 30 percent uplift in fraud detection, and Flip uses the service to identify more than 2,000 fraudulent applications a day.

CredoLab scores creditworthiness from smartphone device metadata for banks, consumer finance companies, auto lenders, online and mobile lenders, insurers and retailers, aimed at applicants with no credit file. A white labeled app or embedded kit collects behavioral signals only after explicit opt-in, covering application ownership patterns, device model and age, contact and message counts, file sizes and interaction habits, and the company states no personally identifying information leaves the device and that it never learns an applicant's name, address or number. Models built on more than 21 million loan applicants across 70 lending partners have supported over $1 billion of lending in more than 20 countries, with behavioral patterns learned across 50. A 2025 income prediction model estimates earnings from thousands of anonymized signals, and institutions can train it on their own local populations.

Meelo is a French platform that combines identity verification, business verification, solvency assessment, AML screening, bank account validation and document control, so institutions stop assembling those checks from separate vendors. It cross analyzes more than 400 signals per person across documents, biometrics, the digital journey and contextual evidence, and its business checks assess more than 100 control points, returning a decision support score in two to five seconds with an explanation of which signals raised each alert. Analysts keep decision authority. Bank data arrives through Powens under the second payment services directive and company data from Infogreffe and Pappers; the platform is hosted on Microsoft Azure in France, and its algorithms are said to be audited against an IEEE standard. Customers include Arkéa, Crédit Agricole, Ayvens, Arval and AXA across eight European countries.

Fincom screens payments and customers against sanctions and watchlists using patented Phonetic Fingerprint technology, which converts a name into a mathematical representation of how it sounds rather than how it is spelled, so matching survives misspelling, unstructured formats, different alphabets and transliteration across 44 languages. An entity resolution engine with supervised machine learning weighs attributes such as date of birth, address and identifiers alongside the phonetic score. Products cover payment screening across wires, ACH, instant payments and SWIFT, KYC and perpetual KYC screening, Verification of Payee and case management, with AML suites for financial institutions, trade finance and e commerce. Named banks include AgriBank, which reports false positives falling from 95 percent to between 3 and 5 percent, Cadence Bank and The National Bank of Indianapolis; Nasdaq Verafin is building Fincom's screening into its platform and Nasdaq Ventures led its Series B.

G2 Risk Solutions sells merchant risk intelligence to banks, merchant acquirers, payment providers and marketplaces, and since its combination with EverC, announced in August 2025, it sells the former EverC products for detecting high risk sellers, transaction laundering and illicit or counterfeit products; everc.com now redirects to G2 Risk Solutions, which is led by chief executive Brian Longe from Burlingame, California. MarketView classifies new and changed marketplace listings in real time using AI and policy logic, blocking, flagging or routing each for review under customer configured rules with a reason and an audit trail; Smart Scan maps a marketplace catalog with no integration; and instant onboarding reads relationships between web addresses to surface returning bad actors. The wider portfolio covers global onboarding, persistent merchant monitoring, reputation monitoring, transaction laundering detection, identity verification and bankruptcy services, built on two decades of G2 merchant data, and G2 Risk Solutions names customers including Finix, TabaPay, Trust Payments, Kushki, TriState Capital and Emirates NBD.

FiVerity runs an anti fraud collaboration platform letting banks, credit unions, fintechs and lenders share fraud intelligence with each other, with regulators and with law enforcement. Institutions exchange pattern matches rather than consumer personal information, and shared identities are protected by double blind encryption with the key split across members, so fraud intelligence moves without customer identities moving with it. FiVerity is registered with FinCEN as a 314(b) association, and its joint investigations product lets the roughly 46,000 registered institutions investigate together under that safe harbor with structured investigation packages and prefilled suspicious activity reports. Machine learning detects synthetic identities and surfaces repeat offenders across institutions, and the platform works with existing tools without API integration. Named users include Grasshopper Bank, BHG Financial and Digital Federal Credit Union.

Omilia runs a fully proprietary conversational AI stack for enterprise contact centers, built over two decades and comprising its own speech recognition, voice biometrics, dialogue management and speech synthesis rather than assembled from third party components. Its financial services line ships more than 300 models trained specifically on banking and finance intents, handles payment capture at the highest PCI DSS compliance tier through both speech and keypad with real time redaction so card data is never stored in clear text, and lets customers pay bills, check balances and move money without reaching an agent. Its authentication layer combines passive and active voice biometrics with real time detection of deepfakes, synthetic callers, spoofed numbers and replay attacks. Named users include two of the largest United States card issuers and a major Canadian bank.

DataVisor unifies fraud detection, anti money laundering monitoring, customer and business onboarding checks, case management and risk decisioning on one platform covering the whole customer lifecycle. Its engine layers patented unsupervised machine learning that finds coordinated attacks in unlabeled data, supervised models for known patterns, graph link analysis that exposes rings across accounts and devices, and AI agents that create and tune rules, triage and summarize alerts and draft suspicious activity reports, with every output carrying plain language reasoning, a complete audit trail and human review at report submission and strategic rule changes. Customers include NASA Federal Credit Union, TaskRabbit, Affirm and Galileo, and the platform processes more than 30 billion events a year.

Cybera sells banks, crypto platforms and cyber insurers two products aimed at authorized payment scams. Mule Intelligence feeds accounts and wallet addresses used by scammers into an institution's transaction monitoring, customer risk scoring and suspicious activity reporting by API, so outgoing payments can be blocked and mule accounts in its own customer base surfaced; the company describes the intelligence as non probabilistic, verified through direct investigation and drawn from active defense operations, victim reports and enforcement partners. Scam Response handles the aftermath, dispatching victim cases to law enforcement, beneficiary banks and exchanges while a team manages victim communications for the institution. Cybera was founded by two brothers, a Swiss cybercrime prosecutor and a business executive, stores data in Switzerland by default, and reports more than $10 million recovered and more than 10,000 victims assisted.

Vyntra was formed in 2025 when NetGuardians, the Swiss payment fraud and AML specialist founded in 2007, merged with Intix, a Belgian transaction data platform founded in 2011, under the ownership of Summa Equity. Its financial crime platform scores payment fraud, scams, insider threats, AML risk and sanctions matches with a rules and machine learning engine, attaches the drivers to every score and adds an opt in community scoring service in which members share risk signals but not raw customer data. Its transaction observability platform gives banks real time visibility of payments across SWIFT, ISO 20022 and domestic and instant payment schemes. The platform is always deployed on the customer's own infrastructure, on premises, in its own cloud or hybrid, and is priced as a subscription on transaction volume and users. More than 130 financial institutions in over 60 countries use it, including four of the top ten European banks.

Prism Data turns bank transaction data into credit scores for lenders. CashScore, its main product, is a three digit score trained on pooled data from many lenders. It predicts default within 12 months and sits beside a bureau score in the lender's own credit policy. Variants cover first party fraud and small dollar loans, and further products estimate income and monitor existing customers. Lenders send de identified data through an API or reach Prism through partners such as Equifax, Taktile and DigiFi. Synchrony is a named customer. Prism Data spun out of the team behind Petal in 2023, is based in New York and raised a $20 million Series A in October 2026.

Enigma supplies identity and financial health data on United States businesses to banks, lenders, fintechs, payment companies and insurers. Its revenue signals, including card revenue, average ticket size, daily customers and growth, are derived from observed card transactions rather than modeled from employee counts or industry codes, and an identity graph links brands, trade names, locations, legal entities and government records into unified business profiles. Products cover KYB verification, customer and transaction screening, payment risk and underwriting, merchant monitoring and go to market targeting, delivered through a documented GraphQL API, a console and file enrichment, with published credit based pricing from a free tier. Named customers include Capital One, Chase, Truist, Ramp, Gusto and Wisetack.

Coris supplies merchant risk infrastructure to the parties that underwrite merchants rather than to merchants themselves, covering software platforms with embedded payments, independent sales organizations, payment facilitators, acquiring and sponsor banks, marketplaces and lenders. Proprietary models automate onboarding and underwriting, transaction monitoring watches merchant payments in real time, and AI agents decide alerts, pause payouts and close routine cases with full audit trails while edge cases escalate to analysts. It integrates with Stripe Connect, Adyen for Platforms, TSYS and Fiserv and draws on outside data including Mastercard's MATCH database, Emailage, ScamAdviser, PACER and Creditsafe. Coris reports more than 1.5 million merchants and more than $50 billion of volume monitored, and names customers including Weave, Tekmetric, Zift, Kajabi and Ignition.

Spade turns the indecipherable strings that banks and fintechs receive from card, ACH and wire transactions into verified merchant records, matching raw data against a proprietary ground truth database so an institution knows exactly where and with whom each transaction occurred. AI agents continuously scan the web and external sources to fill metadata gaps and remove duplicates, producing precise geolocation and verified merchant categories independent of the legacy category codes the industry has relied on. The company publishes 99.9 percent coverage of United States and Canadian merchants at over 99 percent accuracy, with tail latency under 40 milliseconds. Customers use the enriched data for authorization decisioning, fraud prevention, rewards attribution, analytics, behavioral segmentation and loan targeting.

Kaaj sells AI agents that take a small business borrower's package through credit analysis for lenders. Six named agents parse documents and bank statements, run diligence and business verification, analyze cash flow and credit, write a decision ready credit memo in about five minutes, and manage the inbox and pipeline. The lender's own policy rules run as pass or fail checks on each file, with exceptions shown first, and results sync into Salesforce, Microsoft Dynamics, HubSpot and equipment finance systems such as LTi Aspire and Leasepath. Kaaj's case is economic: a $100,000 loan costs a lender as much to underwrite as a $5 million one, so smaller loans go unmade. Buyers are equipment finance companies, brokers, merchant cash advance providers, community banks and small business lenders, and Kaaj reports more than $20 billion of loan originations processed. Founded in San Francisco in 2024, it raised a $3.8 million seed led by Kindred Ventures in November 2025.

Simudyne builds agent based simulation for financial institutions, modeling the individual behavior of banks, asset managers, funds, customers and market infrastructures so that system level effects emerge from their interactions rather than being assumed. Its argument is that conventional stress testing cannot capture the dynamics, feedback and interconnectedness that characterize an actual crisis, and that tracing how a shock propagates requires simulating heterogeneous participants acting on idiosyncratic and sometimes suboptimal rules. Banks use it across credit, market and operational risk for default contagion, stress testing, market execution, fraud and financial crime, with the platform running millions of scenarios on cloud infrastructure so decisions can be rehearsed before they are taken. Simulators are validated through a published six step process.

Heka sells identity intelligence to lenders, banks, insurers and pension schemes. It pulls together what independent outside sources say about a person, from digital footprint, social presence and contact data to public records, business affiliations and breach exposure, checks whether those sources agree, and hands back the answer with the evidence attached. Identity fraud detection for US digital lenders, banks, card issuers and fintechs is the lead product, and the same engine traces pension members in the UK and screens applicants for insurers and credit underwriters. In fraud, every application or account change gets a 0 to 100 identity risk score with the signals behind it: a digital identity first seen a few days ago, a phone and email shared with other applicants, an address tied to unrelated identities, contact details sitting in breach data. The target is the applicant who passes verification, bureau, device and know your customer checks anyway, whether the identity is synthetic, stolen, altered or taken over. Heka sits beside those controls rather than replacing them, through an API, a batch file or an analyst workflow, and it judges whether an identity holds together, not whether a document or photo was generated by AI. Pension work starts from the member record. Heka traces members who moved abroad or changed their names, confirms deaths from sources such as funeral notices and family tributes, restores contact details and maps next of kin, and returns an evidence backed record. Schemes heading for a buy in or buyout can have the whole membership screened rather than only the records already flagged, and family mapping rebuilds the network around a deceased member; in one death benefit review it found surviving children that the member's son, who said he was the only child, had not mentioned. Heka reports projects for more than 40 UK schemes, one scheme file that led to members in 61 countries, and partnerships with Zedra, Hymans Robertson and Winmark's PensionChair Network. For insurers and credit underwriters, each finding on legal proceedings, directorships, adverse media or identity anomalies arrives with a severity, a verification status and its sources, sorted into material finding, review required or clear to proceed. Heka is headquartered in New York, runs its UK business from London and its research and development from Tel Aviv, and trades as Heka Global Inc. and Heka Solutions Ltd. A $14 million Series A in July 2025, led by Windare Ventures with Barclays and Cornèr Banca taking part, funds its US expansion. The platform runs on AWS in Ireland under ISO 27001 certification and a SOC 2 audit.

Callsign recognizes returning bank customers by how they behave rather than by what they know. Its Intelligence Engine combines behavioral biometrics, device fingerprinting and telecommunications signals, and an Orchestration Layer decides what authentication or intervention a given interaction needs. It covers account login, payments, account creation and zero trust network access, against account takeover, social engineering scams, malware and bots, SIM swap and call diversion, and synthetic identity, with compliance support for PSD2 and Strong Customer Authentication. Its dynamic interventions detect social engineering in real time and warn the customer before they transfer money, and it publishes a Digital Trust Index on digital exclusion.

Stratyfy builds interpretable machine learning for financial institutions across credit risk assessment, fraud detection and bias mitigation, on the argument that transparency and control matter more than raw predictive power when the decision affects a person. Its Probabilistic Rules Engine produces decisions expressed as readable rules rather than scores, so any prediction can be explained directly to the customer, to regulators and to internal stakeholders, and lenders can write their own knowledge of market conditions and emerging risks into the model alongside the data. A published comparison against conventional decisioning found it identified nearly twice as many pre qualified applicants while lowering the overall bad rate, expanding the addressable market by 70 percent. The company is women led and backed by a major bank's venture arm and a core banking provider.

Silent Eight sells Iris 7, a policy bound agentic AI platform for financial crime compliance that executes sanctions, anti money laundering and customer due diligence decisions, with agents for customer and payment screening, transaction monitoring, adverse media and case management. Each outcome is produced with its applied reasoning and supporting evidence, under the institution's policies and with escalation retained by the institution. Founded in Singapore in 2015, it has run in live bank environments since Standard Chartered deployed it for sanctions screening in 2018; HSBC, Emirates NBD, Mashreq, First Abu Dhabi Bank and Abu Dhabi Islamic Bank are later named customers, and HSBC and Standard Chartered are also investors. The company reports up to 90 percent improvement in case resolution and up to 99 percent precision.

Lucinity runs financial crime investigations for banks, payment firms and fintechs in two ways. Its platform pairs case management, a customer view, transaction monitoring and regulatory reporting with Luci, an AI agent that gathers evidence, runs adverse media checks and drafts narratives and suspicious activity reports. Luci works inside Lucinity's own modules or as a browser extension or SDK inside the tools a team already uses, and it makes no decisions. Since December 2025 Lucinity also sells Human AI Operations, a managed service in which its analysts and Luci take on triage and investigation work under service level agreements, starting in the Nordics. In both, the institution approves escalations, thresholds, policies and reports. Luci runs on Microsoft Azure OpenAI, and the Azure Marketplace lists a pay as you go plan at $2,500 a month plus per investigation fees. In April 2026 Oracle secured rights to Lucinity's investigation and case management technology for its own financial crime platform. Visa Cross Border Solutions and Finshark are named customers.

Arva AI builds agents for the manual financial crime work banks and fintechs staff with analysts. Screening AI reviews sanctions, politically exposed person and adverse media alerts, Investigations AI works transaction monitoring alerts, Onboarding AI and EDD AI handle customer and business verification and enhanced due diligence, and Lending AI supports underwriting research, with AgentStudio converting a bank's own processes into agents and AgentCore improving them from analyst feedback. Arva Intel, its own model, enriches entity records from incorporation data across more than 150 countries. Arva states SOC 2 Type II, ISO 27001 and ISO 42001 certification and builds for the frameworks of the Financial Conduct Authority, the Office of the Comptroller of the Currency, the FDIC and the SEC.

Deconflict runs a two sided intelligence network connecting more than 2,000 law enforcement agencies with banks, credit unions, fintechs, exchanges and stablecoin issuers on digital asset financial crime. On the agency side it surfaces when separate investigations converge on the same onchain entities across federal, state, local, tribal and international jurisdictions, preventing agencies from unknowingly working the same target. On the institution side an API and workflow integrations let compliance teams check verified law enforcement matches before a transaction settles, with each signal attributed to its typology and source agency and formatted for suspicious activity narratives and account closure records. Identifiers are exchanged in hashed form, investigative files stay with the agency, and participation requires verified law enforcement or regulated institution credentials.

Tookitaki unifies anti money laundering monitoring, fraud prevention, screening, onboarding risk, customer risk scoring and case management in FinCense, a platform for banks, digital banks, digital wallets, remittance firms and payment institutions across Asia Pacific. It comes pre configured for the Monetary Authority of Singapore, Bangko Sentral ng Pilipinas, the Australian Transaction Reports and Analysis Centre (AUSTRAC) and Bank Negara Malaysia. Its distinguishing asset is a free, invite only anti financial crime network, the AFC Ecosystem, where more than 200 institutions contribute typologies and scenarios, more than 400 so far, which reach members through a federated learning model. FinCense runs on premises, in the cloud on AWS or Google Cloud, or as a hybrid of the two. An Alert Prioritization AI Agent scores and ranks every alert with the evidence behind it, and the case manager generates reports from templates for suspicious activity and suspicious transaction filings. United Overseas Bank, Maya and DeeMoney are named customers.

KYP, for Know Your Partner, monitors the businesses an institution depends on rather than the customers it onboards, replacing point in time due diligence with continuous surveillance. Volumetric Monitoring analyzes the payment behavior of an acquirer's or payment provider's merchant portfolio to detect emerging transaction risk, and WebCompli monitors merchant websites for compliance, drawing on credit data, anti money laundering signals, adverse media, fraud signals, corporate structure data and cyber risk insight from Mastercard's RiskRecon. Distribution runs largely through payments and embedded finance partners, and named users include Neogames, Pariplay and PayModum.

Vouched sells document based identity verification, reading photo identity documents, comparing them to a live selfie with liveness detection, detecting tampering and checking details against databases, with plans for financial services, healthcare and automotive and published per verification pricing. It has also built a Know Your Agent line for verifying AI agents: Checkpoint Detect identifies agentic sessions, Checkpoint Govern secures agentic workflows, KnowThat.ai collects reviews of agents, and the KYA OS specification extends the Model Context Protocol for agent identity. Through an integration with Wink, a face, palm and voice check of the authorizing human runs when an agent is created, after which the agent acts under payment tokens scoped to specific merchants and amounts.

Merkle Science supplies blockchain transaction monitoring and intelligence to crypto asset businesses, custodians, protocols, banks, government agencies and law enforcement, positioning itself against list based incumbents on method. Compass combines traditional transaction monitoring with behavior based rules, scoring wallets in real time from customizable rules and behavioral models and keeping any searched address under watch for risk changes, with alerts configured by jurisdiction, line of business and policy. Tracker supports forensic investigation with crosschain coverage of 10,000 assets and 200 bridges, Know Your Blockchain Business profiles crypto counterparties from on and off chain data, and Onchain Pulse scores token and ecosystem risk for networks including Hedera, Stellar, Sui and Polkadot. Its Institute runs certifications for compliance teams and investigators. StraitsX, Finoa, Susquehanna and the Sui Foundation are among its named users. The company says it has been building since 2018, gives a Brooklyn address and keeps offices in London, Singapore and Bangalore.

Chainalysis supplies blockchain data, software and research to banks, exchanges, crypto businesses, law enforcement and regulators, and states more than 1,500 customers. Reactor traces funds across wallets and chains for human analysts, Know Your Transaction (KYT) monitors transactions in real time, and Address Screening, ratings of virtual asset service providers through VASP Risking, and Chainalysis Data Solutions sit alongside them. Acquisitions added web3 threat prevention through Hexagate and scam prevention through Alterya, and Rapid, an AI triage tool, and Chainalysis AI Agents extend the suite. Named customers include Coinbase, BBVA, Kraken, BNY, Fireblocks and IRS Criminal Investigation.

Wink authenticates people at the moment of payment rather than at account opening, combining face, palm and voice recognition into a biometric layer that can identify a customer from a population without a card, phone or password. It is distributed through payments infrastructure rather than sold direct, embedded in Fiserv's Clover point of sale, in SUNMI, WizarPOS, PAX and ID TECH terminals and in Elo kiosks, with on device processing at the edge in some deployments, and partners with Vouched to verify the humans behind AI agents. Alongside the biometric layer Wink operates its own payment gateway, which merchants can own or rent, states more than 220,000 merchants and 400 million transactions a month, and offers a zero chargeback guarantee backed by Riskified.

CipherOwl builds onchain compliance infrastructure for exchanges, wallets and custodians, banks, payment providers, stablecoin issuers and public sector agencies working with digital assets. Its founders, Leo Liang and Ming Jiang, previously led Coinbase's data platform and compliance product. The SR3 stack covers screening, risk assessment, reporting and investigation across major blockchains, with the Strix agent for investigator grade analysis and a documented API returning risk reasons and report content. The stated design principle is that every action and finding must be explainable, reproducible and defensible to a regulator, with agents grounded in ledger data. The company emerged from stealth in October 2025.

ADVANCE.AI is the risk management software business of Advance Intelligence Group, selling digital identity verification, know your customer and know your business checks, anti money laundering screening, fraud prevention and credit scoring to banks, lenders, payment firms and platforms across Southeast Asia, India and China. Its verification stack combines document checks, liveness detection, face comparison and biometric anti fraud, and a low code orchestration platform lets an institution assemble onboarding and compliance journeys that satisfy each market's local requirements. The acquisition of Jewel Paymentech added merchant due diligence and merchant risk to the range. The parent group also operates consumer lending businesses, separate from the software unit.

Entrust sells identity verification to banks, payment companies and other regulated institutions on the Onfido technology it acquired in 2024. Four sets of models do the core work: face matching, liveness and anti spoofing, data extraction from identity documents, and document fraud detection. Each check returns a Clear or Consider result, and a Consider result comes with the reasons behind it. Workflow Studio lets an institution combine document checks, biometrics, data checks against registries and watchlists, and passive fraud signals into journeys tuned to its own risk and friction. Entrust also makes the card issuance systems banks run in branches, so verifying a customer and issuing a debit card can happen in one flow. Verification data sits on Amazon Web Services in the institution's choice of European Union, Canada or United States instance.

HyperVerge sells identity verification and customer onboarding to banks, non bank lenders, brokerages and insurers, built on computer vision research its founders started in academic competition. The platform covers document capture and optical character recognition across government identity types, face matching, passive and active liveness, deepfake and forgery detection, the regulated video customer identification process, identity authority based electronic verification and sanctions screening, bundled since 2024 into a single configurable onboarding journey. A lending oriented layer adds court and police record screening, detection of one applicant appearing under multiple identities, tampered document detection, financial spreading and credit memo preparation, and photograph based business address verification.

Signzy sells digital onboarding, identity verification and compliance automation to banks, non bank lenders, payment providers and global enterprises. Its no code platform and application programming interface (API) catalog let an institution assemble a risk based onboarding journey without engineering, covering document capture and optical character recognition, biometric face match, liveness and deepfake detection, forgery checks, know your business verification, sanctions and politically exposed person screening, transaction monitoring and contract execution. Trust Scores built on more than 200 device, transaction and identity signals target mule account fraud. Business verification screens companies against registries in more than 150 countries and all 50 US states. An agentic platform connects a bank's core system to the Central Know Your Customer Records Registry for search, validation, upload and monitoring, converting records to the registry's 2.0 schema. Customers include HSBC, Citi, ICICI Bank, Amazon Pay, Stripe and Mastercard, and the company has grown to a team of more than 400 across three geographies.

SAS sells a unified financial crime portfolio to banks, credit unions and other financial institutions, spanning anti money laundering transaction monitoring, payments fraud, application and identity fraud, sanctions and watchlist screening, customer risk rating, investigation workflow and regulatory reporting. The line runs on the company's own analytics platform and is positioned as a single environment for customer centric decisioning rather than separate fraud and compliance systems, with transparent and auditable models offered as the answer to supervisory expectations. It is a named and separately maintained industry business under its own executive, distinct from the company's wider horizontal analytics work.

NICE Actimize sells software that catches fraud and money laundering at banks and other financial institutions. Xceed puts fraud prevention, money laundering monitoring, OFAC screening and investigations on one AI platform for credit unions, community banks and smaller institutions. Its agents triage fraud alerts, cut false positives in transaction monitoring and draft case summaries and suspicious activity report narratives. Larger institutions buy the X Sight cloud platform, with WL X screening, the ActOne case manager and SURVEIL X for markets surveillance. The Actimize Insights Network, launched in January 2026, shares signals on payees and counterparties across member institutions. The business is part of NICE, which is listed on Nasdaq, and states more than 1,000 clients in over 70 countries and more than 5 billion transactions monitored a day.

Featurespace, a Visa solution since Visa completed its $946 million acquisition in December 2024, sells real time fraud and financial crime detection to banks, card processors, acquirers and credit unions. The Featurespace Platform, formerly ARIC Risk Hub, builds a profile of normal behavior for every customer and scores each payment against it, using Adaptive Behavioral Analytics and Automated Deep Behavioral Networks. Solutions cover payment, card, acquiring, check and application fraud and anti money laundering, and TallierLTM is a large transaction model trained on billions of payments. Its scam detection is now part of Visa A2A Protect for account to account payments. Banks set their own thresholds, and the platform runs on premises or as a hosted service. Founded in 2008 on University of Cambridge research, it serves about 70 financial institutions directly.

Omnisient runs a privacy preserving data collaboration platform that lets banks, insurers and credit bureaus draw alternative data insights from retailers, telecommunications operators and other consumer businesses without either side exchanging personal information. Privacy enhancing technologies, tokenization and cryptography hold the parties apart while embedded machine learning tools build and test scoring models inside a neutral environment, so only insights move rather than data. The principal use case is credit risk scoring for consumers with no credit history or thin files, alongside fraud and financial crime work and payment media network monetization for banks.

Charm Security sells scam and social engineering defense to banks, fintechs, payment providers and credit unions. Rather than scoring transactions or devices, the platform assesses what the company calls human vulnerability exposure, analyzing customer risk patterns using psychological insight to identify who is susceptible to manipulation, then deploys agents that intervene in real time while a scam is unfolding across digital, voice and in person channels. It was created inside Team8's venture creation fund and its stated regulatory driver is the shift of authorized push payment fraud liability onto banks.

Duna is a business identity platform for regulated companies, automating know your business, know your customer, customer due diligence and anti money laundering checks during onboarding. The platform collects and structures company data, routes checks to third party data providers, applies real time risk scoring and runs automated audit trails. Its stated direction is a shareable digital passport for every business, evolving into a network where one verification is reused across institutions for one click onboarding. Buyers are banks, fintechs, payment infrastructure providers and regulated platforms, concentrated in Europe.

CLARA Analytics sells casualty claims intelligence to insurers under the CLARAty.ai platform, applying document intelligence, predictive models and generative AI to medical notes, medical bills and legal demand packages across workers compensation, commercial auto liability and general liability. Named modules cover triage, medical provider scoring, fraud referral, subrogation identification and Medicare Secondary Payer submissions. Its models are trained on a contributory database of pooled claims outcomes contributed by its own customers. Buyers are carriers, managing general agents and underwriters, reinsurers, third party administrators and self insured organizations.

AiPrise verifies businesses and the individuals behind them across more than 200 countries through one interface, pulling registry records, local documents, sanctions and watchlist data, device and network intelligence and web signals from over a hundred sources into a single risk view. Its focus is emerging and harder to verify markets where registry data is incomplete, and it maps beneficial ownership beyond minimum regulatory thresholds. AI agents summarize websites, documents and alerts and generate enhanced due diligence reports while analysts retain the final decision against an audit trail.

ComplyAdvantage supplies the risk data and screening software that banks, fintechs, insurers and crypto businesses run their financial crime programs on. Its sanctions, politically exposed person, watchlist and adverse media data is built in house rather than licensed from other providers. The Mesh platform covers screening, ongoing monitoring, transaction monitoring, payment screening and fraud detection in one system, and teams can screen against 49 risk sub types. AI agents resolve routine alerts within thresholds the institution sets and escalate the rest to analysts with a written rationale. ComplyAdvantage says it serves more than 3,000 businesses in 75 countries and monitors over 500 million customers a year. Its data also reaches institutions through other platforms, including Sumsub, FactSet and SDK.finance. Self service plans start at $99 a month.

Fourthline handles customer due diligence and anti money laundering compliance for European banks, fintechs, insurers and brokers, combining proprietary models for document authenticity, biometrics and liveness with screening, ongoing monitoring, fraud detection and a case review portal where human experts review cases. Its distinguishing strength is jurisdictional depth, building onboarding flows that satisfy each European market's local interpretation of the directives, including regulated video identification where a country requires it, and it also remediates a bank's existing customer records and issues qualified electronic signatures. In July 2026 Fourthline announced a merger with Veridas, the Spanish identity verification company, subject to regulatory approval.

Feedzai sells real time fraud, scam and financial crime prevention to banks, card networks, processors, acquirers and merchants. Its RiskOps platform combines rules a bank writes with machine learning across transaction fraud, account opening, scams, anti money laundering monitoring and watchlist screening. Feedzai IQ sells network risk scores and signals drawn from across its customers. In 2026 Feedzai added RiskFM, a foundation model built for tabular financial data, and Farol, an agentic assistant that drafts casework for analysts. Feedzai says it secures $19 trillion of payments a year. Fiserv's debit networks and Jack Henry's Financial Crimes Defender run on its models, and the European Central Bank ranked it first to supply fraud prevention for the digital euro. Founded in 2011, it bought Demyst in April 2025 and was valued at $2 billion after a funding round in October 2025.

Worth AI consolidates small business onboarding and underwriting for banks, credit unions, fintechs and payment providers into one decisioning layer, combining business and beneficial owner verification, identity checks, bank and financial verification, fraud detection and credit assessment. Its proprietary crosswalking technology matches business identities in real time across secretary of state filings, federal tax records and other sources against a database of more than 350 million business profiles in over 200 countries and territories. The Worth Score turns those records into a unified business credit score, agents clear cases that match a lender's policy and route the rest to underwriters with reason codes, and CODI, an underwriting assistant, lets staff question the agents' reasoning.

Fraud.net unifies fraud prevention, anti money laundering compliance and risk management on one platform for banks, credit unions, payment processors, acquirers, remittance companies, fintechs and commerce businesses. It combines a no code rules engine the customer authors with machine learning tailored per client, including anomaly detection and graph neural networks, entity screening and monitoring, transaction monitoring, case management, data orchestration across internal and external sources, and its Global Anti Fraud Network, which pools insights across members.

Ocrolus turns the documents a borrower submits into decision ready data for lenders. It reads bank statements, pay stubs, tax forms and more than 2,000 other document types regardless of format, then produces income calculations, cash flow analytics and fraud signals that feed underwriting. Founded in New York in 2014, it handles about 750,000 credit applications a month, with dedicated products for mortgage and small business lending and use in consumer and auto finance. In mortgage it works inside Encompass, its income calculations connect to Fannie Mae's Income Calculator and Freddie Mac's AIM Check for representation and warranty relief, and Lloyd's America insures its income calculation accuracy. Automated conditioning reached general availability in April 2026, and Detect, its fraud product, expanded through Resistant AI and is now included for every mortgage customer. Better, Zillow and Newrez are named mortgage customers, and its cash flow data feeds more than 175 small business funders.

Quantifind runs risk screening and investigations for financial crime through its Graphyte platform, resolving entities and scoring risk from billions of external sources covering sanctions lists, public records, adverse media and corporate data. Its differentiator is name matching and contextual typology assessment built on more than a decade of patented research, aimed at the false positive burden that forces banks to staff large analyst teams, and it serves tier one, regional and digital banks alongside federal, state and defense agencies.

Forter decides in real time whether to trust the person or AI agent behind an online purchase, login or return. Retailers, marketplaces and travel brands use it to approve more good orders and stop fraud, account takeover and policy abuse. Its decisions draw on an identity network of more than two billion identities. Under a chargeback guarantee, Forter pays for fraud on orders it approved. Payment service providers offer it to their merchants through Forter Element. Card issuers such as Capital One take its transaction data into their authorization decisions through an open interface.

IDfy runs identity verification, business verification, fraud detection and background verification for banks, non banking lenders, insurers, payments and wealth firms across India, Southeast Asia and the Middle East, stating more than 70 million verifications a month. Its OnboardIQ product combines document reading, face matching, liveness and deepfake checks with direct lookups into national identity, tax, company and small enterprise registries, OneRisk adds device fingerprinting and velocity signals for fraud, and Privy supports Digital Personal Data Protection Act consent and governance. Newer AI agents assist onboarding, credit decisioning and privacy work.

Veriff, founded in Estonia in 2015, verifies identities for banks, fintechs, lenders, trading platforms and crypto businesses. It reads more than 12,500 government document types from more than 230 countries and territories, matches the face to the document, checks liveness and weighs more than 1,000 data points per session, returning a verdict in about six seconds. Veriff states accuracy near 99.6%, a 95% first attempt pass rate for genuine users and 98% of checks automated. Self serve plans are priced per verification, from $0.80 with a $49 monthly minimum, and the higher plans add review by human specialists. Business verification, built on its February 2026 acquisition of Vespia, is in a limited access program for enterprise customers. Monzo, Bolt and Webull are named customers, and Veriff reported revenue above $100 million in December 2025.

Trulioo verifies people and businesses through one platform, reaching 195 countries by orchestrating more than 450 global and local data sources behind a single integration. It covers identity documents, biometrics, watchlist screening, beneficial ownership, fraud signals from email, phone and network data, and credit and financial insight for business onboarding, and its business risk scoring explains each score it gives. A UBO Discovery Agent launched in July 2026 to trace beneficial owners, and a Know Your Agent product for verifying AI agents is in alpha. Banks, fintechs and payment companies use Trulioo to run customer and business due diligence in markets where no single data source is authoritative, and it announced an identity verification deal with Fiserv in October 2026. EQ Bank and Airwallex are named customers. Trulioo is based in Vancouver and led by chief executive Vicky Bindra.

ThetaRay sells AI detection and investigation software for anti money laundering at banks, fintechs and payment companies. Its Theta engines monitor transactions, screen names and payments against sanctions lists and score customer risk at onboarding, using models that learn what normal looks like in an institution's own flows. Ray agents then investigate alerts end to end and recommend whether to close, escalate or file. It runs on Microsoft Azure or AWS as an overlay on the tools an institution already has, and reports more than 100 institutional customers.

Baselayer verifies American businesses rather than consumers, combining secretary of state filings, court records, registries, lien data and taxpayer identification number checks with website, social and review signals to confirm that a company, its owners and its signers are real and legitimate, and adds credit, lien and litigation data for underwriting. Its identity network links business application activity across participating institutions to surface loan stacking, application velocity and synthetic business identities, and it is distributed through a strategic partnership with FIS Decision Solutions and ChexSystems. Agent products include Risk Co.Pilot for underwriting and a Know Your Agent service.

Proof, formerly Notarize, binds a verified identity to high value transactions and seals the result so it cannot later be repudiated. Mortgage lenders, title agencies, banks, credit unions and insurers use it for full and hybrid electronic closings, remote online notarization through a network of more than 1,800 live identity agents and commissioned notaries available around the clock, and identity assured signing where no notarial act is required. Verification combines message authentication, knowledge based challenges, credential analysis, biometric comparison and third party database checks, and Proof Defend adds a fraud model reading network signals with deepfake detection.

Argos Identity runs remote identity verification for digital banks, fintechs, lenders, payment and cross border remittance platforms and virtual asset businesses. Its ID Check product reads identity documents from more than 200 countries, compares faces, checks document and face liveness, detects deepfakes and screens names against anti money laundering and sanctions lists, delivered through a hosted verification link, an API and engine level APIs for recognition, liveness and face comparison. Omni, a no code workflow builder, lets compliance teams draft verification policies that AI agents execute for document extraction, verification and exception handling.

Reality Defender detects synthetic media in real time, running an ensemble of models against live voice on contact center calls, participants in video meetings, and images and documents in verification flows. In financial services it is deployed against voice cloning that defeats phone based authentication, executive impersonation in video conferences used to authorize transfers, and generated media aimed at identity verification checks, and it is designed to sit alongside an institution's existing security and liveness infrastructure rather than replace it.

Oscilar sells one platform for the risk decisions a bank or fintech makes about its customers: onboarding, fraud, anti money laundering compliance and credit underwriting. Risk teams build and backtest policies without code, by drag and drop or in plain language, and more than 150 data partners plug in through its marketplace. Twenty one AI agents handle screening, KYC and KYB review, first level fraud and AML review and SAR narrative drafting, and analysts confirm every recommendation. Credit models score balance, cash flow, spend power and payment behavior. SoFi, Nuvei and Clara report measured results, and Nacha lists Oscilar as a Preferred Partner. In October 2026 it released an AI assistant and an MCP server, and TransUnion launched two fraud scores first through Oscilar.

Quantexa, a London company founded in 2016, sells a Decision Intelligence Platform that resolves scattered records about people and companies into one view and maps the network around each one. Banks use it for anti money laundering, know your customer and fraud work, while insurers, telecoms firms and government agencies use it for claims, customer data and tax fraud. Q Assist adds a research assistant, and Agent Gateway runs governed AI agents on the resolved data. It deploys in the cloud, on premises or in a hybrid setup, and Cloud AML packages it for US credit unions and mid size and community banks.

Flagright sells a financial crime compliance platform to payment processors, digital banks, banks, credit unions, brokerages, crypto and remittance firms, covering real time transaction monitoring, dynamic customer risk scoring, sanctions and watchlist screening, case management and regulatory filing. Compliance teams build detection rules themselves, without code or in natural language, and prove changes with rule simulation and shadow rules before they go live. AI Forensics turns a team's standard operating procedures into agents for monitoring, screening, governance and quality assurance in about 20 minutes. Reports file from the platform to FinCEN and to more than 70 goAML jurisdictions. Flagright runs in the cloud from more than 12 hosting regions, keeps each customer's data in its chosen region, and serves more than 100 customers in more than 35 countries, Betterment and Banked among them.

Unit21 runs fraud prevention and anti money laundering on one platform for banks, credit unions and fintechs. Risk teams write their own detection rules without engineers, and each payment is checked against them in under 150 milliseconds, fast enough for instant payments. Unit21 says it ships no traditional machine learning risk scores. Its agents run on large language models and are sold as AI Risk Infrastructure. They work alerts and whole cases, recommend a disposition and draft suspicious activity and currency transaction reports. Each institution sets how far the agents may act alone, per queue and risk tier. An analyst approves every report before it is filed. The platform connects to cores such as Fiserv DNA, Jack Henry SilverLake and Corelation Keystone.

Elliptic provides blockchain analytics and crypto financial crime compliance to banks, crypto businesses, payment firms, regulators and law enforcement, scoring wallets and transactions in real time against sanctions, ransomware, darknet and other illicit exposure across more than 65 blockchains and more than 250 bridges, with screening, entity due diligence, cross chain investigation and ecosystem monitoring products. The Elliptic Copilot drafts alert narratives and the Decode Agent answers on chain risk questions with its reasoning shown. Its newer work follows digital assets into mainstream banking, including due diligence on stablecoin issuers for banks holding reserve assets and detection of crypto exposure inside conventional fiat transaction flows.

Persona is a configurable identity platform that lets a business assemble its own verification flows from building blocks covering government identity documents, biometric face matching and passive liveness, business verification and beneficial ownership, sanctions and watchlist screening, third party data and case review. Flows can vary by customer type, geography, product and risk level, and the platform serves banks and fintechs alongside marketplaces, gig platforms and consumer apps.

Taktile sells an agentic decision platform to banks, credit unions, fintechs and insurers. Risk teams use it to build, test and run the logic behind onboarding, underwriting, fraud checks and claims, combining rules, machine learning models, AI agents and human review in one flow. Agents handle set tasks such as financial spreading, adverse media checks and credit memo drafts, and complex cases go to reviewers in a case manager. Customers named on its site include Zilch, Faire, Allianz Partners, Mercury and Monzo. Taktile has offices in New York, Berlin, London, São Paulo and Iași, and raised a $110 million Series C led by Goldman Sachs Alternatives in June 2026. It publishes its subprocessor list, including the AI model providers it uses.

Sardine's platform reads the device and the behavior behind every session, then uses those signals for fraud prevention, anti money laundering compliance and credit underwriting. It covers onboarding, payments and card issuing, with sanctions screening, transaction monitoring and case management for compliance teams. Its Agent Hub lists ten AI agents, from sanctions screening and due diligence to SAR drafting, that a team can chat with, run against alert queues or call from its own systems. Banks, payment companies and wealth managers each get dedicated material, and named customers include FIS, National Bank of Canada and Nubank. Sardine has raised $170 million from investors including Andreessen Horowitz, Visa and FIS. Its shared signals draw on Sonar, a consortium that pools fraud intelligence across members.

SEON combines fraud prevention and anti money laundering compliance in one platform, built around enriching a thin signup input such as an email address, phone number or address into a wide risk picture. It checks those identifiers against hundreds of online platforms and breach sources to expose fake or shallow digital trails, layers device fingerprinting and behavioral signals on top, and returns an enriched profile, rule evaluation and score in a single real time response. Decisioning runs on customer authored rules alongside machine learning that the company deliberately keeps inspectable rather than opaque.

BioCatch analyzes how people type, swipe and move through online and mobile banking, and turns those behavioral signals into a fraud risk score from 0 to 1,000 for each session. Banks use it to catch account opening fraud, account takeover, social engineering scams and money mule accounts. DeviceIQai, launched in March 2026, tells human sessions from AI agents and flags deepfakes fed through virtual cameras. Fraud teams write their own rules on top of the score, and BioCatch Trust lets participating banks share behavioral risk signals without sharing personal data. Founded in 2011 and headquartered in Israel, the company serves 415 financial institutions in 21 countries. Visa agreed in August 2026 to buy BioCatch from funds advised by Permira for $2.4 billion in cash, with closing expected by the end of Visa's fiscal second quarter of 2027.

Incode Technologies verifies identities and stops identity fraud for banks, fintechs and government agencies. More than 35 models built in house read the document, match the selfie to it, check liveness and look for deepfakes. GovFaceMatch checks a selfie against a state's own driver records. TrustGraph, launched in October 2026, lets institutions share fraud signals without handing over customer data. Banks design their own verification flows, set thresholds per check and send failed sessions to their own reviewers. Founded in San Francisco in 2015, Incode bought MetaMap in 2024, AuthenticID in 2025 and Identiq in 2026. Citi, Davivienda and Klar are named customers, and Experian builds Incode into its Ascend platform. Enterprise prices are quoted, and a self serve plan bills per transaction.

TRM Labs sells blockchain intelligence that attributes on chain activity to real world entities, to banks, fintechs, crypto businesses, regulators, tax authorities and law enforcement. Its crypto compliance products cover wallet screening, transaction monitoring, entity due diligence and stablecoin monitoring across more than 184 chains and 840 cross chain bridges, and its forensics tool traces funds with the source and a confidence score shown for every attribution. In October 2026 it launched Ardence, an AI investigation platform that searches TRM's intelligence alongside more than 60 data partners, and a model context protocol (MCP) server lets a compliance team's own agents work transaction monitoring alerts. More than 600 government agencies and financial institutions in 75 countries use it, Coinbase and Visa among them.

Sumsub sells identity verification and financial crime compliance software to fintechs, banks, crypto platforms and gaming operators. One platform covers individual and business onboarding, sanctions and politically exposed person screening, transaction monitoring, Travel Rule messaging and fraud prevention. Document, liveness, face match and deepfake checks run across more than 220 countries and territories and over 14,000 ID types, and a no code workflow builder turns a compliance policy into verification flows. More than 4,000 companies use it, and Sumsub publishes per verification prices starting at $1.35. Founded in 2015, it is based in London, with offices in Singapore, Dubai and Miami among others.

Alloy sells an identity risk platform that banks, credit unions, fintechs and crypto firms use to decide which applicants to onboard, which logins to trust and which payments to stop. One API routes and sequences calls to more than 270 identity, fraud, credit and compliance data providers, and the institution writes its own risk policies. Alloy's own models score fraud for each customer and flag coordinated attacks across a portfolio. Its AI Assistant researches alerts and KYB cases and can take the next step where a team delegates it. The same platform runs credit decisioning, transaction monitoring and SAR filing direct to FinCEN. Alloy says more than 900 financial institutions and fintechs use it.

Socure sells identity verification and fraud decisioning to banks, fintechs and government agencies. Its RiskOS platform lets risk teams assemble onboarding, authentication, payment and compliance workflows without code, on top of Sigma fraud models trained on an identity graph of more than 400 data sources and some 40 billion historical outcomes. It also offers the Social Security Administration's eCBSV check, document and biometric verification, and, through its Effectiv acquisition, transaction monitoring, business verification and credit decisioning. AI assistants support case review and rule writing, and Agent Intelligence, launched in October 2026, detects AI agents acting for customers and ties each one to a verified person or business. Socure reports more than 6,000 customers, including Capital One, Citi, Chime and SoFi. In August 2026 it took a growth investment led by Summit Partners at a $5.2 billion valuation and acquired Fravity.