Compliance is the baseline. Behavior is the breakthrough.

PSD2 raised the bar for online payment security with multi-factor, SCA-compliant controls, but online payment fraud continues to rise. As PSD3 approaches, financial institutions must look beyond baseline compliance and start analysing user behaviour during payment sessions to uncover deeper insights, enhance fraud detection, and minimize losses.

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Go from grainy
to crystal clear.

Adding a behavioral inherence layer to your multi-factor, SCA-compliant payment flow is like upgrading from pixelated CCTV to sharp 4K surveillance. By analyzing how customers enter information alongside the standard two-factor checks, financial institutions can effectively distinguish between genuine and fraudulent transactions.​

16%

increase in fraudulent authorized card payments reported by BioCatch customers in 2024

22%

increase in remote purchase fraud cases in the UK in 2024 (the highest case total on record), as reported by UK Finance

42%

increase in fraud cases detected by one of our customers after deploying our solutions

£1m

saved by one of our customers after deploying behaviorial intelligence

Compliance is just the beginning.


Stronger defenses for safer payments.

BioCatch’s advanced device persistency capabilities help financial institutions meet the possession factor and then go far beyond it. By analyzing how users enter one-time passcodes (OTPs), we add a powerful behavioral layer that strengthens detection and reduces online payment fraud even further.

Want to go even further?

By analysing how users enter additional personal datapoints only they would know, we uncover subtle behavioral cues fraudsters and bots can’t replicate. It’s a powerful layer of intelligence that goes far beyond anything a bad actor or malicious program can mimic or spoof.

 

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WHITEPAPER
Comply and thrive
in a PSD3 world

Strong Customer Authentication under PSD2 was introduced to reduce payment fraud across Europe and it’s delivered measurable results. As PSD3 approaches, the spotlight turns to improving fraud defenses even further. Yet balancing compliance, security, and a seamless customer experience remains a complex challenge.

Discover how Goode Intelligence recommends tackling these challenges and how financial institutions can cut fraud, protect profits, and keep growing.​

Read report

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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.


Talk to a global advisor