Defending against account opening attacks requires a delicate balance between stopping fraud and avoiding unnecessary friction. Relying on static data alone produces false declines, manual reviews, and lost revenue. Behavioral intelligence gives financial institutions the means to do both: Stop fraud at origination and grow genuine account volumes at the same time.
The challenge
Traditional account origination controls rely on the personally identifiable information submitted in a new application. These approaches struggle to distinguish legitimate applicants from fraudsters using stolen or synthetic identities, producing unnecessary declines, manual reviews, and customer friction that costs institutions revenue.


How we solve for it
BioCatch evaluates how applicants behave throughout every step of the onboarding journey instead of just assessing the data they submit. Signals such as application familiarity, data-entry confidence, and expert user patterns distinguish a genuine applicant from one working from stolen or fabricated details. This enables financial institutions to approve more genuine customers with greater confidence, reducing friction and false declines while keeping fraud out.
How intent reveals itself
Application fluency
Continuous, uninterrupted typing across personal fields reflects high familiarity and confident user intent.
Immediate engagement
No delay between focusing on a field and beginning input indicates strong familiarity and confidence in the information being entered.
Segmented input behavior
Broken typing patterns and pauses between fields suggest uncertainty or elevated risk.
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.



