Online banking, digital account openings, and quick loan decisions create new opportunities—not only for customers, but also for fraudsters.

Stolen or synthetic identities, forged documents, social engineering, and automated attack patterns are increasingly being used in targeted ways to open accounts, fraudulently obtain loans, or take over existing customer accounts. Fraudsters are operating with increasing professionalism and often long before a suspicious transaction even becomes apparent.

The pressure on banks to take action is mounting: Traditional checks at the end of the process chain are no longer sufficient. At the same time, the responsibility to identify risks early and effectively protect customers is increasing.

Criminals combine information, exploit connections, and are increasingly operating across institutions. However, many audit processes still view risks in isolation. As a result, there is no comprehensive view of the risks associated with identity, account opening, credit decisions, existing customer relationships, and known fraud networks.

To detect fraud early on, banks need a connected view that spans process and institutional boundaries. Only by bringing together relevant information can they identify correlations and suspicious patterns that would otherwise remain hidden from individual institutions. Such an approach is also becoming increasingly important in light of the Payment Services Regulation (PSR) and the Payment Services Directive 3 (PSD3).

Before an account is taken over, a loan is fraudulently obtained, or an identity is stolen, there are often already signs of an increased risk.

These include, among other things, discrepancies in identity information, suspicious application situations, known fraud patterns, or connections to previous cases. The information is often spread across multiple banks.

Effective fraud prevention requires:

  • relevante Hinweise mit hoher Aussagekraft
  • aktuelle Informationen zum richtigen Zeitpunkt
  • institutsübergreifende Erkenntnisse
  • Signale zum Schutz von Antragsprozessen und Bestandskunden

Banks don't have to see everything. They just have to recognize the right things early enough.

We help banks expand their fraud prevention efforts to include earlier and broader risk indicators—from the application stage through to the protection of existing customers.

Our approach brings people together:
  • Antragsprüfung
  • Identitätsrisiken
  • historische Fraud-Informationen
  • Hinweise zu Identitätsbetrugsopfern
  • Informationsaustausch zwischen Instituten

Learn more from our experts about current fraud patterns and how you can combat them with our intelligent fraud solutions.

Webinar: October 29, 2026 | 10:00 a.m. – 11:00 a.m.

What Fraud Means for Consumers

  • stolen identities
  • financial losses
  • significant emotional strain
  • time-consuming clarification processes

Implications for Banks

  • Default Risks
  • disputed sales
  • Reversals and chargebacks
  • significant effort required for service and clarification
  • Reputational Risks
  • Increasing liability and reimbursement risks

In the end, it's all about trust

The more frequently fraud occurs, the more trust in digital financial processes suffers. That is why fraud prevention is not only a matter of minimizing risk, but also a crucial factor in long-term customer relationships and the security of the digital financial ecosystem.

Education plays a key role in the fight against fraud

Consumers are increasingly falling victim to identity theft, social engineering, and phishing.

The better informed they are, the less likely it is that fraud attempts will succeed.

Banks also benefit from this:

  • weniger Betrugsfälle
  • weniger Klärungsaufwand
  • geschützte Kundenbeziehungen

That is why we provide information and resources to help consumers recognize identity theft and take action more quickly.