A single phone call is often enough to convince a customer to hand over the code that bypasses every layer of authentication protecting their account. By the time the transaction completes, every control has been passed legitimately. Unfortunately, the customer wasn't the one in control.
The challenge
One-time-password social engineering, most commonly carried out via vishing, manipulates customers into disclosing authentication codes under the guise of legitimate security checks. Fraudsters impersonate banks, merchants, or official institutions, creating urgency around account issues to pressure victims into sharing OTPs in real time. Because access is granted using valid credentials and successful authentication flows, activity appears legitimate to traditional controls, resulting in rapid account compromise, financial loss, and complex recovery processes.


How we solve for it
BioCatch assesses user behavior throughout the entire authentication journey, not just whether an OTP was entered correctly. Behavioral signals such as delayed entry, stop and go typing, backspaces, deletions identify elements of OTP social engineering. Financial institutions can intervene before unauthorized transactions are authorized, protecting customers from harm while reducing post-incident investigation time.
How intent reveals itself
Delayed authentication response
A new or unfamiliar device profile combined with longer than usual time to start entering OTP changes suggests potential account takeover.
Active call
behavior
Session behavior consistent with an active phone call may indicate real-time social engineering.
Anomalous typing patterns
Stop-and-go typing, deletions, and backspaces are inconsistent with genuine user typing patterns.
Synthesized intelligence:
Unified Collection. Continuous Telemetry. Behavioral Sequencing. Predictive Analysis. Real-time Decisioning.
No vendor has ever deployed behavioral intelligence at the scale we've proven possible. We continuously analyze more user sessions (16 billion and counting), collect more signals (3,000 plus), deliver more trusted insights, and protect more digital banking customers (more than half a billion) than any other behavior-centric digital-fraud-prevention solution provider. And we do it in the context of their device, the applications they use, and their transactional tendencies to deliver a trusted and accurate signal for a frictionless and secure customer experience.




