Don’t just comply,
thrive with behavioral insights

By utilizing behavioral biometric intelligence to counter impersonation scams, you can reduce the upcoming reimbursement liabilities suggested by the UK's Payment Systems Regulators. Additionally, this approach helps you get ready for the PSD3 proposals, which take into careful consideration the insights provided by the PSR.

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Problem overview

Fraud detection rates have improved as a result of financial institutions leveraging multi-factor and SCA-compliant solutions. However, simply fulfilling security requirements or adhering to local regulations is only one aspect. You must also optimize fraud detection to keep users safe and deliver a seamless digital journey.

By integrating BioCatch's Inherence Analysis for SCA, you can enhance your existing multi-factor and compliant solution by incorporating an additional layer that evaluates how users input sensitive information, such as one-time passwords (OTPs) and passcodes. This assessment helps identify whether the user exhibits patterns typical of a fraudster using stolen details or a legitimate customer utilizing their card for an online purchase. By supplementing your existing knowledge and possession checks, this approach elevates your defenses against online card fraud to the next level.

BioCatch customer data

95 %

Percentage of customer friction reduced by one UK bank leveraging behavioral insights

42 %

The amount of additional fraud captured by one customer after deploying behavioral insights


Beyond Compliance:
Comply and Thrive in a PSD2 World

Explore the report from Goode Intelligence that delves into the impact of PSD2 Strong Customer Authentication (SCA) on payment fraud rates, alongside other consequences it has brought.

Discover how SCA compliance has influenced customer experience, transaction declines, and abandonment, and learn strategies to not only comply but also flourish in a post-PSD2 era.

Get the Report
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Is the user familiar with the personal information?

Inactivity and they typing cadence can indicate whether the user is familiar with the personal information or not.



Are there signs of One Time Password (OTP) dictation?

Genuine OTP entry and OTP dictation looks very different. Having this analysis enables you to STOP payment fraud in real time.

Additional SCA 
use cases

Card not present fraud

Card not present (CNP) fraud occurs when an individual with malicious intent employs stolen credit or debit card information to make unauthorized purchases. This illicit activity takes place through online platforms, telephone transactions, or mail orders. 

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Request an intelligence briefing

Join us for a 30-minute deep dive with a BioCatch expert to learn the latest tactics, techniques, and procedures (TTPs) fraudsters use to scam your customers
and harm your brand.

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