FOCAL Application Fraud is a real time fraud protection layer that scores every registration and onboarding application using device, network, and behavioral signals. It flags manipulated applications and coordinated fraud rings, keeping onboarding fast for genuine applicants while blocking bad ones before approval.
Advanced real-time controls that protect registration and origination by intercepting synthetic and manipulated applications before an account is ever approved.
Generates a persistent fingerprint for every device from 30+ hardware, software, network, and behavioral signals. It stays stable even after app reinstalls, OS updates, IP changes, or basic factory resets, and resists common spoofing attempts.
Maps connections between devices, accounts, and IPs to uncover coordinated rings and mule networks using shared attributes, outlier scores, and network clustering.
Leverages machine learning to spot unusual device behaviors and continuously learn over time to detect and prevent emerging fraud patterns.
Enables teams to create and refine fraud rules using natural language or guided inputs. It accelerates rule creation, reduces dependence on engineering, and helps analysts turn fraud intent into deployable logic faster.
Applies granular blacklists/whitelists so known bad devices and IPs are stopped at the source while trusted applicants bypass unnecessary checks.
Enables automated decision making where fraud rules trigger actions based on user behavior such as blocking high-risk devices, flagging suspicious accounts, or escalating cases for review.
Provides a centralized dashboard with automated prioritization, 360° customer views, and compliance-ready reporting for streamlined investigations.
FOCAL Application Fraud continuously analyzes registrations and applications with identity, device, and network context for explainable decisions that stop fraud at origination, without slowing genuine applicants.
Discover how FOCAL Application Fraud analyzes device, network, and behavioral signals on every application to catch manipulated applications and coordinated fraud rings instantly, reduce onboarding fraud losses, and give investigators clear, explainable context for faster decisions.
