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INETCO Solutions for Mobile and Digital Banking

INETCO Solutions for Mobile and Digital Banking

Accelerate digital transformation by offering the security, stability and value your customers expect - for every digital banking transaction

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Helping banks and credit unions strengthen their cybersecurity and manage the surge in mobile and digital banking transactions

Embracing digital service models and adopting convenient mobile and online payment applications is synonymous with expanding customer wallet share, leaning out payment processing costs, and reducing the risk of non-bank competition. As customers accelerate their shift to digital banking channels, steps must be taken to deliver the value, security and stability required for successful digital transformation.

INETCO helps banks and credit unions be ready for this new banking reality – in a cost effective way.

  • Deepen customer engagement and usage of digital banking and payment applications. 
  • Provide outstanding service performance and effectively manage the surge in mobile and online transactions.
  • Strengthen detection of payment fraud and cybersecurity attacks aimed at digital transactions.
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INETCO Insight use cases for the mobile and digital banking channels

Analyze mobile and online channel interactions

Evaluate digital banking habits, channel usage and payment preferences within your mobile and online digital channels. Break down customer activities such as bill payments, loan payments, mobile check deposits, money transfers and balance checks. Make more impactful decisions around digital payment revenue, segmentation, customer retention and banking service alignment.

Explore Digital Banking Analytics

Real-time detection of suspicious transaction activity, account takeovers, phishing, BOT and DDOS attacks

Speed up the detection of online, mobile and cross-channel payment fraud attacks. Utilize advanced real-time alerts to quickly identify and react to suspicious fraudulent activity such as high risk log-in activity from specific users, a device used from a country in the negative country list, high rapid succession of transactions from the same card and card geography hopping.

Preventing Fraud Earlier, Faster & With Precision

Real-time performance monitoring across all digital banking transactions

Improve the reliability of mobile and online interactions by monitoring transaction performance and connectivity across the end-to-end payment journey. Quickly adopt new service features and accommodate exponential transaction growth across all digital channels – without risk of failures, bottlenecks or unexpected declines. Reduce operational and support costs through optimized real-time transaction data acquisition, streamlined troubleshooting, consolidated tools and a reduced number of false positives.

Explore INETCO Insight for Monitoring

SUSPICIOUS DEVICE FINGERPRINT AND IP ADDRESS GEOLOCATION CHANGES

Flag suspicious device fingerprint and IP geolocation changes that correspond with high purchase velocity, larger than normal purchases, and repeat customer ID usage by mobile or online applications. Utilize the X-Forwarded-For HTTP header field for identifying the originating IP address of a mobile device. Identify transaction traffic by IP address to filter and block suspicious activity from specific self-service or mobile devices, applications or customer digital banking accounts.

Explore INETCO Insight for Fraud

Real-time risk scoring for mobile and digital banking channels

Customize rules-based alerts and machine learning models to rebuild individual customer ID, card or device risk models in real-time – every time a mobile or online interaction happens. Flag, rank and investigate customer transactions that deviate from past online and mobile banking activity and signal potential fraud. Utilize in-depth transaction intelligence to become more precise in your risk scoring criteria and reduce the number of false positives.

Download the machine learning + risk scoring whitepaper

Blocking of offending digital banking transactions and specific IP address traffic

Set up automated scripts to block high scoring online or mobile banking transactions at the firewall port or network layer. Speed up the analysis of flagged card interactions by 75-85%.

Read more on risk scoring + transaction blocking

Digital transaction data acquisition, streaming and forwarding

Acquire mobile and online transaction data in a timely, cost effective way. Utilize structured data dictionaries to help forward in-depth data to analytics applications, fraud applications, and centralized data lakes. This includes message fields and metadata such as transaction type, amount, response codes, customer IDs, card types, dates, status and message types.

Download the data options guide

Resources

Interested in exploring INETCO for your mobile and digital banking environment?

Request a Demo