How leading fintechs are fighting back
The good news: as fraudsters arm themselves with AI, fintechs can do the same. Advanced bot management and cyberfraud protection solutions now combine real-time AI, multi-layered analysis, and adaptive defenses to stop fraud before it happens. Here’s what leading fintechs are prioritizing:
Real-time, AI-driven detection
Top solutions analyze every login attempt, transaction, and API request in milliseconds—often at the edge, before they reach backend systems. This level of speed is critical for stopping credential stuffing, carding, and automated account creation attempts.
Multi-layered behavioral & intent-based analysis
Effective platforms gather hundreds of signals—device fingerprinting, mouse and keyboard behavior, request headers, and session history—to build a detailed picture of every user interaction. Advanced AI models then evaluate these signals not only to detect sophisticated bots that mimic human behavior and rotate IP addresses, but also to identify malicious intent from human users, such as coordinated fraud attempts, social engineering, or suspicious account manipulation. This layered approach helps stop both automated and human-driven attacks before they cause damage.
360 coverage
Fintechs need protection across web platforms, mobile apps, and APIs. A fragmented solution leaves gaps that attackers can exploit. Advanced platforms provide unified protection across all endpoints , ensuring no weak spots.
Frictionless protection for genuine users
With bots now able to solve CAPTCHAs as well as, or better than, humans, fintech companies are moving away from blunt-force protections. Today’s top solutions introduce challenges only when necessary, keeping the experience seamless for legitimate users. DataDome makes decisions in less than 2 milliseconds, and only presents every 1 in 10,000 requests with a CAPTCHA (<0.01% false positive rate).
Continuous learning & threat intelligence
Fraud evolves constantly. The most effective solutions continuously retrain models, update detection rules, and use collective intelligence to scale protection against new threats across their entire customer base.
