Bureau introduced Adaptive Authentication, which rescores risk continuously through a customer session using identity graph, behavioral, device, and location and network signals instead of deciding once at login. When risk rises at moments such as beneficiary addition or a high value transfer, the platform can trigger step up authentication (MFA, face or biometric checks) or block the session, and session signals feed Bureau's Graph Identity Network.
Our readBanks fighting account takeover and authorized push payment fraud get in session step up decisions from the same engine used for onboarding. The pilot figures (50 to 60% more high risk fraud detected, 5 to 6% fewer false positives, step up on 1 in 70 sessions) come from unnamed tier 1 banks with no stated method, so ask for the evaluation design.