FINAL WORD to reduce the volume of analysis requested for transactional anti-fraud solutions , reducing total costs , since the license for the behavioral biometrics tool is annual and has a fixed cost agreed at the beginning of the period , with no surprises or additional fees .
It is recommended initially to design a cost savings based on those higher risk score sessions . In a second stage , with greater security in the behavioral biometrics layer and with the advance of algorithm training to identify transactions with low fraud risk , it is common for companies to also give up the analysis of transactional tools for those sessions with a risk of very low fraud , further optimizing the cost structure with anti-fraud .
Even for those sessions with an average fraud score where the most recommended approach continues to be the use of at least one more layer of protection composed of a transactional anti-fraud tool , there are solutions whose proposal is to guarantee the highest possible pass rate , committing to the refund of all chargeback due to the approval of false positives .
Through behavioral biometrics more than 200 user behavior variables are evaluated .
Therefore , through the orchestration of a fraud prevention system composed of integrated layers of protection considering the entire journey , it is possible to overcome the challenge of increasing the approval rate , controlling fraud and chargebacks and also reducing costs with transactional anti-fraud tools without compromising customer experience on digital platforms . p
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