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.
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