FINAL WORD
The behavioral biometrics approach assumes that the malicious individual may even be able to defraud the data entered to make transactions but can ’ t deceive the behavior adopted during the session . Its conduct throughout the entire journey , from the moment you start interacting with the application or the web platform , even before logging in , starts to be evaluated to identify fraud risks before monetization , in other words , when that session becomes a transaction .
This increases reaction time and allows , for example , the creation of challenges to make sure that it is really the account holder making a transaction , and not a fraudster with the aim of financially benefiting from the transactions . All this is without any compromise on the flow of the customer experience on the platform .
Through behavioral biometrics more than 200 user behavior variables are evaluated , from navigation and usage pattern to device and network attributes . All through an Artificial Intelligence algorithm , which in addition to assigning a score for the risk of fraud , offers insights that explain what triggered the alert , allowing the knowledge of fraud cases and modus operandi , and also facilitating the integration with other solutions of this kind .
Another point worth mentioning is that usually the cost of transactional anti-fraud tools varies and depends on the number of transactions analyzed in the company ’ s environment , whether they are approved or not .
Thus , by adopting an additional layer of protection that analyzes session characteristics , it is possible
The malicious individual may even be able to defraud the data entered to make transactions .
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