Heka vs SEON (2026)
Both read a person's online trail to judge whether an identity is real, so the decision turns on who the check is for and how it is bought. SEON enriches an email, phone or address against hundreds of online platforms and breach sources, adds device fingerprinting and behavioral signals, and returns an enriched profile, rule results and a score in one response, with customers writing their own rules beside inspectable machine learning. It serves fintechs, digital banks and crypto alongside gaming and ecommerce, and adds sanctions screening and transaction monitoring. Heka assembles a wider picture of one person, from digital footprint and social presence to public records, business affiliations, default records and breach exposure, checks whether the sources agree and returns a 0 to 100 score with each signal's source, and it is built for lenders, banks and card issuers. SEON publishes a Starter plan at $699 a month for 2,500 checks, while Heka quotes every deal. SEON trains a separate model for each customer. Neither names the individual breach and online sources its checks query.
- The buyer is a lender or card issuer scoring credit applications. Heka's published evaluations are on lending and card fraud, including thin file applicants.
- Public records and directorships matter as much as online presence. Heka resolves court, registry, affiliation and default records alongside digital and contact signals for the same person.
- The test has to hold the false positive rate fixed. A card issuer's retrospective test with Heka cut false positives from 5.7 to 3.5 percent at the same detection rate.
- Underwriting or pension tracing sits in the same budget. Heka's engine also returns adverse findings for insurers and traces members for UK schemes.
- Fraud rules should be written in house. SEON gives teams a scoring engine and a drag and drop workflow builder, starting from shipped default rule sets.
- A published price helps a small team start. SEON's Starter plan is $699 a month for 2,500 fraud checks, 10 users and 50 custom rules.
- Gaming, ecommerce or marketplace traffic sits beside financial products. SEON serves those businesses as well as fintechs, digital banks and crypto.
- Fraud and anti money laundering checks should share one platform. SEON adds sanctions and politically exposed person screening, transaction monitoring and case management.
This comparison is published by AI FinTech Index, an independent research platform that publishes independent ratings of AI vendors for financial services. Heka and SEON are each graded against the same capability taxonomy, from each vendor's own public materials and the regulatory record, under the AI FinTech Index verification standard. No vendor pays for placement, and no vendor has reviewed this page. How this evidence is graded
Plain facts
| Heka | SEON | |
|---|---|---|
| Primary category | Fraud Detection & Transaction Risk | Fraud Detection & Transaction Risk |
| Founded | 2021 | Not published |
| Headquarters | New York, New York, United States | Not published |
| Website | hekaglobal.com | seon.io |
Side by Side
Select any grade to read the note behind it.
| Axis | H Heka |
S SEON |
|---|---|---|
| AI Centrality | ||
| Autonomy and Oversight Model | ||
| Model Risk Management and Transparency | ||
| Operational and Outcome Evidence | ||
| AI Safety and Data Stewardship | ||
| GLBA and Data Privacy Posture | ||
| Security Certifications and Trust Center | ||
| Regulatory Status and Licensure | ||
| AI Governance and Bias Disclosure | ||
| AI Liability and Recourse | ||
| Model Supply Chain Disclosure | ||
| Core Systems and Integration Depth | ||
| Deployment Model and Data Residency | ||
| Commercial Transparency | ||
| Institution and Segment Coverage |
The short version of each
Heka
Heka sells identity intelligence to lenders, banks, card issuers and fintechs, built on a wider set of sources than an email or phone check: digital footprint, social presence, contact data, public records, business affiliations, default records and breach exposure, all resolved to one person. It returns a 0 to 100 identity risk score with the source for each signal, and a card issuer's test found 30 percent more fraud at the same false positive rate. Heka runs on AWS in Ireland and also traces UK pension members.
Source: AI FinTech Index, 2026
SEON
SEON combines fraud prevention and anti money laundering compliance on one platform built around digital footprint enrichment: it checks an email, phone or address against hundreds of online platforms and breach sources, layers device fingerprinting and behavioral signals on top and returns an enriched profile, rule evaluation and score in one response. Customers write their own rules beside machine learning kept inspectable, and a separate model instance is trained for each customer. SEON reports more than 5,000 businesses served and publishes a Starter plan at $699 a month.
Source: AI FinTech Index, 2026
Common questions
Is Heka or SEON better for a US digital lender?
Heka is the closer fit for a lender scoring credit applications, according to the AI FinTech Index, because its evaluations are on lending and card fraud and its signals include public records and affiliations. SEON fits a fintech that wants one rules platform for fraud and anti money laundering at a published starting price.
How do Heka and SEON use breach data?
Both check whether an email or phone has appeared in breach data. SEON folds that into an enriched profile alongside checks on hundreds of online platforms, and Heka weighs it against social, contact, public record and affiliation signals for the same person. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
Can a fraud team write its own rules on top?
SEON is built for it, with a scoring engine, a drag and drop workflow builder and inspectable models that show the signals behind a decision. Heka returns a score and its signals for the client's own rules and thresholds to act on, through an API, a batch file or an analyst workflow. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
What do Heka and SEON keep, and for how long?
SEON processes data from end user checks for one year unless the customer instructs otherwise. Heka deletes personal data after processing and keeps pension tracing data for up to 30 days after an engagement unless the client sets another period. Graded by AI FinTech Index against the same capability axes from each vendor's own published materials, verified October 12, 2026. No vendor pays for placement.
Related comparisons
Other published head to head assessments involving these vendors or their closest peers. The full set for this category is on the Fraud Detection & Transaction Risk page.
SEON's privacy notice describes its data sources by category, and Heka names its pension tracing sources but not the breach sources behind its fraud score, so neither discloses the specific breach datasets its checks query. Heka's investors include Barclays and Cornèr Banca.