Acquire new customers, not fraudulent accounts.

Ensure every new application is genuine — no roadblocks for real customers, no openings for fraudsters. Eliminate threats, accelerate trust, and protect your success.

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Stop fraud before it starts.

Whether it’s non-human activity such as bots, scripts, or emerging AI agents, or human fraudsters using stolen data, financial institutions face relentless, sophisticated account-opening attacks. BioCatch Account Opening Protection uses multi-signal telemetry including, behavioral, device, and network data, to expose stolen or synthetic identities, bots, and money-mule recruitment in real time, blocking criminals before they establish footholds for downstream fraud and money laundering.

Fraud never sleeps, neither should your defenses

BioCatch stops fraudulent account openings without compromising experience, driving more genuine accounts, higher revenue, and lower operational costs. Our multi-signal fraud defense scales effortlessly, maintaining a best-in-class customer experience.

$100M

in scam payments prevented by one regional bank in the U.S. in 2024

85%

decline in fraud attempts at a leading European bank

70%

reduction in fraud losses ($30 million AUD per year) at a leading Australian bank

70%

reduction in fraud losses (more than $4 million/year) at a top-10 bank in Latin America

Know the difference
between real and fake.

BioCatch Account Opening Protection fuses behavioral patterns, device telemetry, and network risk to distinguish legitimate customers from non-human behavioral patterns, including bots, scripts, and AI-driven agents, as well as stolen and synthetic identities that evade traditional controls. By continuously synthesizing thousands of signals, BioCatch empowers financial institutions to recognize genuine customer intent and block fraudulent applications before they turn into downstream fraud or AML exposure.

How the solution works and what it looks for:

Data familiarity

Identifies genuine users by analyzing how they interact with their own information. Our solution looks for natural typing cadence, thoughtful corrections, and confident navigation. Signs like re-entering key fields with care and avoiding copy-paste behavior indicate the user knows their data and is engaging authentically.

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Bot activity

Detects automated behavior by analyzing input speed, keystroke patterns, and timing irregularities. Even bots that mimic human traits are exposed by subtle inconsistencies; real users never repeat the exact same input patterns or timing.

Device risk

Evaluates the device and environment for signs of tampering, such as emulators, spoofed settings, or unfamiliar configurations. Continuously recognizes trustworthy users through stable behavior, consistent settings, and known networks, while flagging anomalies prior to account opening.

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Application fluency

Analyzes how users interact with forms to assess understanding and intent. Real applicants take time where needed, review key details, and make deliberate choices. Thoughtful pacing and backtracking confirm genuine engagement , including sensible use of autofill rather than wholesale, scripted field population.

Block the bots.
Enjoy the ROI.

Account opening fraud evolves every day in both complexity and volume. Bots pump fake identities into systems globally, allowing criminals to create accounts at scale that become vehicles for future financial crimes. Using the BioCatch risk score alongside risk factors such as bot indicators, low data familiarity, and device, browser, and network irregularities to soft-decline applications before account opening delivered 4,000% ROI for one customer.

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Together, we can prevent fraud and financial crime.

Join our global advisors and fraud intelligence experts for a 30-minute deep dive into the latest tactics, techniques, and procedures (TTPs) now exploited by fraudsters in your country to scam your customers and harm your brand.