Fraudsters flood account-opening channels with a deluge of automated applications designed to bypass traditional defenses. As these attacks grow increasingly more difficult to distinguish from legitimate human applications, they overwhelm systems and increase the risk of fraudulent accounts slipping through bank defenses. With BioCatch's Account Opening Protection, organizations can shut down bot-driven fraud at scale while ensuring real applicants move through onboarding without unnecessary friction.
The challenge
Bots pose great risk to banks during online account opening, where fraudsters deploy vast armies of them to cycle through stolen, synthetic, and manipulated identities to evade onboarding controls. Credentials, device signals, network checks, and traditional bot-detection software all miss the signals of these large-scale attacks.


How we solve for it
BioCatch detects bots by analyzing how applicants behave throughout the account opening journey: input speed, keystroke dynamics, and timing irregularities that persist even when bots attempt to mimic human traits. Genuine users never repeat identical interaction patterns, and that distinction is what stops automated fraud while keeping onboarding seamless for legitimate applicants. Financial institutions can shut down large-scale automated fraud at the point of account opening, without slowing down the genuine applicants behind it.
Learn how our account opening protection solution can work for you
How intent reveals itself
Interaction precision
Highly consistent typing cadence and timing across fields reveals mechanical execution that is difficult for humans to replicate.
Execution patterns
Strict, linear form-completion with no corrections or pauses reflects scripted automation rather than human behavior.
Human variability
Fluid, uninterrupted input of identity details reflects a customer entering information from memory with clear ownership.
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.



