Fraud

Fraud prevention built for lenders

Combining digital fraud signal with a robust bureau anchor to provide real-time identity verification and fraud detection.

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Product benefits

Enhanced fraud prevention

Reduce identity theft, loan fraud, and synthetic identities while enhancing compliance with KYC/AML requirements.

Identify first payment fraud

Gain a complete picture of applicants from the start, enabling better lending decisions and risk assessment.

Reduce bad-debt provisioning

Leverage rich, contextual insights to continuously enhance your fraud prevention approach, staying ahead of evolving fraud trends.

Streamlined customer experience

Quickly approve genuine borrowers while helping to block fraudulent applicants, improving conversion rates and reducing risk.

Product features

Multi-layered ID verification

Combine credit bureau data, application details, and digital signals for thorough borrower assessment.

Real-time risk analysis

Incorporate live risk signals from a network of UK lenders and monitor activity patterns specific to the UK market.

Adaptive fraud detection

Automatically flag and block suspicious loan applications based on deviation from expected borrowing patterns.

Regulatory compliance

Strengthen your AML and KYC processes with a broad identity verification system built for lenders.

Walk through API components

The fraud endpoint allows you to retrieve an individual’s real-time credit exposure and future payment schedules.

verifying identities

Monitor how users enter PII and catch behaviours consistent with bad actors

credit hunger

See application velocity across the network

network and email risk

Detect the use of VPN, IP geolocation, and age and validity of email address

phone risk

Check if numbers are new, disposable or higher risk

Request | Fraud

{
"title": "Miss",
"firstName": "Isobel",
"middleName": "Mary",
"lastName": "Tucker",
"email": "isobelt99@example.com",
"dob": "1994-01-21",
"phone": "447402123456",
"ipAddress": "92.15.92.213",
"address": {
"buildingNumber": "5",
"line1": "5 Moorside View",
"line2": "Station Street",
"city": "Glossop",
"postalCode": "SK13 8BD",
"countryCode":"GB"
}
}
{
"summaryRiskScore": 0.4,
"appplicationVelocityRisk": {
"score": 0.6,
"ipCountSameDay": 3,
"postalCodeCountSameDay": 2,
"addressCountSameDay": 2,
"phoneCountSameDay": 2
},
"ipRisk": {
"score": 0.4,
"isVpn": false,
"milesFromApplication": 203,
"city": "London",
"provider":"TalkTalk",
},
"emailRisk": {
"score": 0.2,
"isValidDns": true,
"isDisposable": false,
"isDeliverable": true,
"breachCount": 3,
"earliestBreachDate": "2008-07-22",
},
"addressRisk": {
"score": 0.2,
"postalCodeMatch": 0.2,
"registerMatch": 0.82,
},
"phoneRisk": {
"score": 0.3,
"isValidNumber": true,
"isRoaming": false,
"ownershipMatch": 0.9,
"nameMatch": 0.8,
"addressMatch": 0.7,
"postalCodeScore": 0.6,
"dobMatch": 0.6,
"simSwap": 0.7,
"provider": "Vodafone",
"countryCode":"GB"
}
}

Real-world solutions in action

See how Infact enhances lending processes from start to finish. Explore key use cases that showcase our powerful solutions in action.

Streamlined KYC that reduced application drop off

Accelerates KYC and AML processes, ensuring swift and accurate compliance checks.

Combatting Identity Fraud

Infact’s advanced analytics detect and prevent identity fraud, safeguarding lenders from fraudulent activities.

Proactive Identity Theft Prevention

Infact provides real-time monitoring and alerts to prevent identity theft before it happens.

Questions about how Infact can fit into your business?

Our team of experts can help you find the right solution. Fill out the form and we’ll get in touch shortly.

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Infact’s News & Insights

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Authorised and regulated by the Financial Conduct Authority (FRN: 978629)

Infact is a trading name of Infact Systems Limited, registered in England and Wales (Company Registration Number: 14032664)

Registered address: 2-7 Clerkenwell Green, London, EC1R 0DE