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Think of chargebacks as mechanisms to protect customers from unauthorized or fraudulent transactions. It spares customers from the trouble of contacting the merchant for a refund. Instead, they can approach their bank directly and request a reversal of the transaction. While this system ensures fair consumer protection, it has also led to unintended consequences for businesses in the form of Chargeback Fraud. In this blog, we dive deeper into what chargebacks are, different types of chargeback fraud, how to prevent them, and more.‍

In this article, we explain why app or framework sizes can differ between iOS and Android, and how understanding these differences helps us at Bureau build a lightweight, modular SDK that’s easy to integrate and doesn’t bloat your app.

In this blog, we dive deeper into what browser fingerprinting is, how it works, top 9 browser fingerprinting techniques, and more. Along with each browser fingerprinting technique, we also give a few use cases and ways to circumvent it.

KYC, or Know Your Customer, is essential for identity verification and fraud prevention. In this blog, we explore what is KYC, its role in compliance, and how the process differs for regulated businesses like banks and non-regulated entities like marketplaces.

Deepfake scams used to be a high-tech crime requiring extensive expertise. Not anymore. Open-source AI platforms and commercial deepfake tools have made it effortless to generate convincing forgeries. Here are just a few high-profile examples of criminals exploiting this tech.

Fraudsters are using SIM Swap Detection to intercept OTPs and rob your customers. In this blog, we dive deeper into what SIM Swap Fraud is and what can businesses do to protect their customers' accounts.

Fraud and risk management isn’t just a boys’ club anymore. These ten powerhouse women are redefining leadership, driving innovation, and making fraudsters sweat. Whether you're an aspiring CXO or already in the game, their journeys will inspire you. Read the full list and connect with the trailblazers shaping this space.

In this Fraud Detection and Prevention guide, we talk about different types of fraud across industries, common challenges, the use of fraud analytics, and much more!

The RBI has mandated the use of the Mobile Number Revocation List (MNRL) to curb fraud from recycled numbers. Bureau was ahead of the curve with its fraud prevention API that instantly flags deactivated numbers before they can be misused for account takeovers, fake signups, or payment fraud. Read how you can stay compliant, avoid penalties, and protect your customers within the mandated deadline of March 2025.

From risk-based authentication to endpoint security and certifications like ISO 27001 & SOC 2, discover how Bureau upholds the same rigorous security standards to protect itself—just like we do for you.

Location Spoofing has harmful implications for businesses across all industries. In this blog, we dive deeper into how to detect location spoofing effectively for fraud detection and prevention.

Bureau's AI-powered orchestration platform automates complex decisioning workflows, links diverse data points, and enables custom rule-based logic to deliver a 360-degree understanding of every user you onboard. See how we are building scalable, adaptive risk intelligence to power trust at speed.

- Device ID is a unique identifier for each user device, allowing security teams to track it within their business networks. - It supports device-based authentication and access control to accurately distinguish between legitimate returning users and malicious devices. - Device ID is combined with other digital parameters, such as browser version, operating system, screen resolution, and installed fonts, to create a comprehensive digital fingerprint of a device. - Recognizing and analyzing fundamental device fingerprints can help prevent spoofing and fraud attempts. - Tracking Device ID without user consent has given rise to privacy, ethical, and legal concerns. - Regulations like the GDPR, CCPA, and ATT frameworks aim to build accountability and transparency in user data collection. Reliance on static or traditional Device IDs will reduce in the future.

India’s DPDP Act will enforce strict rules to keep kids safe online. Industries like gaming, eCommerce, and social media must verify ages properly—simple checkboxes is just not enough. The Bureau’s AI-powered solution estimates age with a single photo, ensuring only the right users get access. Read this blog to know more.

Current onboarding flows are slow and inefficient, leading to high drop-offs, while outdated KYC methods expose businesses to fraud. TurboPass by Bureau enables fraud-proof onboarding in under 10 seconds, creating a powerful ripple effect on revenue and customers. Read the blog to learn more.

Paywall abuse is quietly draining millions from businesses as users find ways to enjoy premium services without paying. In price-conscious markets, tactics like VPN masking and credential stuffing has been fueling massive revenue leaks. Want to know how paywalls are exploited to commit subscription fraud, and how to stop it? Read on.

Crypto fraud is becoming increasingly sophisticated, with scams like pig butchering, cryptojacking, and money laundering exploiting the industry's anonymity and decentralized nature. As fraudsters adapt, securing exchanges and investors has never been more critical.

Bureau, the integrated platform for fraud, compliance, and credit decisioning, becomes a Series B company with backing from Sorenson Capital and Paypal Ventures.

Learn how malicious bots, accounting for nearly 50% of global internet traffic, execute attacks like credential stuffing and account takeovers, and discover advanced detection methods to stop them.

In-app purchase fraud threatens gaming revenues and disrupts player experiences. Explore common methods like chargeback abuse, account takeovers, and collusion, alongside practical strategies to protect your IAP ecosystem and maintain trust.

This article highlights the benefits of OpenTelemetry for measuring and collecting telemetry data, and how the Bureau uses it in its infrastructure. It discusses the different components of the OpenTelemetry collector, such as receivers, processors, exporters, and extensions, and their use in filtering and governing data while acknowledging a couple of limitations of it.

This blog explores the importance of environment variables in front-end and back-end workflows. It emphasizes protecting sensitive data in .env files to prevent vulnerabilities. Using an example of adding an edit address feature, the blog shows how engineers rely on these variables for secure and smooth functionality, from setting API endpoints to feature updates.

Without adequate credit, MSMEs are unable to grow, innovate, or scale, leading to a 3% GDP growth loss annually in countries like India. Here's how fintech platforms and digital lending solutions can democratize access to credit for MSMEs by upgrading their existing credit risk models using alternative data.

When underprivileged communities are excluded from the lending ecosystem, the impact ripples across the economy. Essential investments in housing, healthcare, and education are missed, stunting economic mobility. In India, for instance, this credit invisibility costs the country an estimated ₹3.6 trillion in GDP growth each year

When promo codes are misused to create empty accounts or for one-time purchases, it can lead to inflated revenue projections. Businesses may mistakenly believe that their product or service is gaining traction when, in reality, the majority of the "customers" are not genuine. Learn more about promo abuse fraud here.

We have a chat with Babu Lal, a relentless advocate who has single-handedly exposed thousands of predatory and fraudulent loan apps on platforms like Google Play Store and Apple App Store. His efforts have been pivotal in bringing attention to the growing problem of illegal lending apps, especially in lower-income communities where people, in desperate need of quick cash, often fall victim to these scams. Through this conversation, we aim to shed light on the severity of the issue and explore ways to combat it.

Bureau’s Money Mule Score evaluates numerous risk factors, helping financial institutions safeguard their ecosystems from fraudulent activities. While this product has already saved $9 million since its inception in April and has been adopted by the top 3 Indian banks and several more in the resting phase, the financial capital got to see it in action at their booth during the Global Fintech festival held in Mumbai. 

For certain repetitive, predictable and routine tasks, behavioural traits effectively lead to a unique profile for genuine userss. Being able to analyse and compute these behavioural biometrics enables fraud prevention players to detect “non-humannes” and more sinister actors at play. Read more about how it works here.

'Fraud as a Service' (FaaS) is an alarming trend where this model, similar to legitimate SaaS platforms, allows cybercriminals to purchase and deploy fraudulent tools (or entire toolkits!) with ease. As this underground economy grows, understanding FaaS is crucial for businesses looking to protect themselves from ever-increasing cyber threats.

From the increase in ride-hailing apps to D2C eCommerce platforms to a quantum leap in the hyperlocal deliveries segment - qualified and safe drivers are now in extreme demand. Superior driver onboarding processes consider lower costs, faster TAT & higher accuracies. Here’s how to achieve it.

Identity theft is also known as the gateway fraud since this act leads to a host of other malicious activities, such as mule accounts, synthetic identities, account takeovers, etc.

This report, by Bureau, talks about the leading fraud challenges digital bankers and lenders face in the Philippines. With quotes from industry experts such as Lito Villanueva, EVP and Chief Innovation and Inclusion Officer, RCBC and Lawrence Y. Ferrer, President and CEO, Bayad, this report dives into the different financial frauds, what the regulators are doing about it, and how technology can help detect and eliminate these frauds.

While users want an intuitive and smooth user experience, fraud verification checks and controls may sometimes hamper this experience by introducing friction into a user journey. How can organisations decide whether to prioritise speed and UX or robust security? In this blog, we want to introduce intelligent frameworks that help reduce fraud while maintaining an optimal user experience.

The RBI's revamped Master Directions indicate that the regulator is looking at a paradigm shift and not an incremental upgrade to the fraud risk management system and wants Regulated Entities to tackle the ever-growing menace in a systematic manner. Here are 10 changes that every Indian financial institution leader must know.

Graph Neural Networks (GNNs) are poised to revolutionize how we combat the pervasive threat of evolving fraud tactics. Bureau predicts that by 2030, most organisations around the world will base their fraud detection methods on GNNs rather than rule-based systems. Here's why.

Account takeover attacks have become increasingly prevalent as cybercriminals continually find new ways to exploit vulnerabilities in digital systems. Several key factors contribute to the rise of ATO, highlighting the intersection of technology, user behavior, and cybercriminal tactics. We explore what is account takeover, what is its long-term impact and how to mitigate this danger!

In the competitive landscape of India's education sector, various forms of examination fraud persist that easily exploit vulnerabilities in the system. In the past month, alleged paper leaks and manipulated marks in national-level exams have put the futures of 3.5 million aspirants at risk. Understanding these methods is crucial to comprehending the issue's magnitude and devising effective solutions.

Location intelligence plays a vital role in identifying and preventing fraud. A good fraud detection software like Bureau, combines the power of location intelligence with an AI-driven risk engine to identify a genuine user's patterns and flag anomalies and deviations in real-time.

Banking, eCommerce, and gaming companies with less stringent identity verification processes usually fall prey to the damages caused by new account fraud. These fraudulent accounts can cause direct damages to targeted businesses or can lay the foundation for a larger, more elaborate fraud that happens much later. Read about new account fraud and how we can prevent it here.

Social engineering tactics do not employ simple viruses or account takeovers. In most instances, the owner of the financial asset gives out the information to fraudsters or completes their financial requests. We explore how human emotions are manipulated using psychological power play in our latest blog. Read to know more about social engineering and how to mitigate its impact.

Traditional age verification methods are inadequate in the face of rising fraud tactics. Additionally, these are too invasive, causing unnecessary friction and abandonment during onboarding. An age verification software that takes a risk-based approach is a more intelligent, dynamic solution that can tailor verification processes to the specific risk level of each user interaction.

When “fake” AI-generated identities are used to commit financial crimes by targeting financial institutions, government agencies, and businesses, it is called synthetic identity fraud. Data breaches and the dark web provide the raw materials while blending and manipulating data ensure these synthetic identities can pass various forms of scrutiny, making this type of fraud one of the hardest to detect and prevent in the global financial ecosystem!

Money mules represent a critical yet often overlooked element in the ecosystem of financial fraud. While high-profile fraud cases capture headlines, the true engine of illicit financial activity lies in exploiting unsuspecting individuals who unknowingly help transfer smaller amounts of illicit funds. Read actionable insights on protecting your financial institutions from this digital pandemic using AI-powered tools and analytics.

India's central financial regulatory authority - the Reserve Bank of India (RBI) recently released its Annual Report for 2023-24. Here is everything that caught our attention.

In today’s digital age, opportunities are vast, but so are the risks. As technology advances, cybercriminals find new ways to exploit vulnerabilities in the digital world. Whether you’re an individual or a business, protecting against fraud is crucial. This guide aims to provide both consumers and businesses with the knowledge and tools needed to navigate the digital space securely.

The types of fraud victims fall prey to differ from stage to stage in a customer journey. If identity thefts are common during onboarding, payment-related frauds like credential stuffing are common during the transaction stage. Here’s a walkthrough of the different types of fraud that you can see as you move through the customer journey. (Bonus: We also tell you the specific signals that help detect fraud)

Fraudsters are increasingly leveraging GenAI to intercept and interfere with liveness detection solutions during the KYC process. This lets malicious actors enter the financial ecosystem, where they then wreak havoc by laundering money or committing other forms of financial crime. One such GenAI threat is the use of digital injections. Find out more here.

How are money mules recruited and exploited? Read the psychological tactics employed by fraudsters to coerce victims into completing payment requests, or divulging their sensitive financial details. Knowing how to spot the red flags of money mule activity can prevent these unwitting mules from becoming accomplices in funding global crimes like financing terror, drug trade, human trafficking, and more.

Indian regulators in BFSI have been known for their hawkish stand for decades. While their policies have both critics and supporters, they have been largely helpful in stabilizing the macroeconomic factors. But headwinds in BFSI in the past few years have become more complex – due to the penetration of digital real-time systems, governmental policies (both state and central), and private industry innovation. As June approaches, all eyes are going to be on the new cabinet that forms and the subsequent policy-making that should address these complexities.

Money laundering is the process through which the proceeds of criminal activity are infused into the financial ecosystem and its criminal origins are concealed. This process of "laundering" to convert dirty money into clean money usually has three distinctive stages, each with its own goal and challenges. We explain these in detail and also provide tactical and structural solutions to blocking financial criminal activity at every stage.

In response to international pressures and the specific vulnerabilities identified within its borders, the Indian government enacted the Prevention of Money Laundering Act (PMLA) in 2002. This crucial legislation aimed not only to curb the increasing tide of financial crimes but also to align India's financial security measures with global standards, ensuring a safer and more robust financial environment domestically and internationally. Here's an explainer of India's AML landscape.

Increased tax rates coupled with rampant scams called "collusions" have the Indian online gaming industry reeling. We explore the different methods that try to cheat the system along with strategies to identify and block these at the source.

Ramadan, a time of spiritual reflection and devotion, also brought about a significant increase in eCommerce activities. However, this surge in online transactions inadvertently provided a fertile ground for fraudulent activities, exposing vulnerabilities within the financial ecosystem with losses being estimated between $70 and $100 million. 

When basic identity checks fall short, businesses must go the extra mile to secure their interests by conducting a more thorough assessment of the customer. This extension of KYC is known as Enhanced Due Diligence. The extensive intelligence provided by EDD helps reduce the vulnerabilities of financial institutions by identifying suspicious activities and stopping the crime before it can cause irreparable damage.

Bureau's Money Mule Score utilises a sophisticated link analysis engine. This technology goes beyond traditional methods by weaving together a rich tapestry of user data, including device information and behavioural patterns. This real-time web of information exposes hidden connections, allowing us to identify money mules even when they appear legitimate during onboarding.

Debt collection is a crucial yet challenging aspect of the lending industry. Having effective recovery processes in place not only safeguards your bottomline but also contributes to a healthier financial ecosystem. This article explores how making informed decisions can lead to more efficient and compliant debt collection strategies.

Enformion LLC and Bureau.ID announce the establishment of a groundbreaking strategic partnership poised to revolutionize the landscape of identity and risk management. This collaboration leverages cutting-edge technologies to deliver precise entity resolution and seamless orchestration, providing businesses with unparalleled solutions for secure customer onboarding, fraud prevention, and compliance. 

The Kingdom of Saudi Arabia recently made headlines with their new regulations for delivery drivers. The Transport General Authority (TGA) of Saudi Arabia announced these new regulations to prioritize both rider safety and business efficiency, aiming to create a robust and secure delivery ecosystem for all stakeholders.

In an era defined by data, where the digital realm knows no bounds, safeguarding personal information is of paramount importance. The Digital Personal Data Protection Act has arrived, ushering in a new era of data ethics and responsibility. In this blog post, we dive deep into this transformative legislation, shedding light on key provisions, exemptions, and FAQs that every business leader, from Chief Revenue Officers (CRO) to Chief Information Security Officers (CISO), needs to understand.

Unmasking the Threat: 2023 Fraud Report Reveals Alarming Rise in Digital Fraud and Actionable Defenses. Dive into 'The Anatomy of Fraud 2023' report, exposing the mammoth $86 billion global fraud market projected by 2027. Asia-Pacific leads the charge, with India steering the growth. Attacks on digital gateways wreak havoc, demanding robust solutions at the inception of consumer interaction.

San Francisco-based fraud and identity platform, Bureau, secures an additional $4.5 million in funding from GMO VenturePartners, augmenting its series A round to $16.5 million. With total funding now at $20.5 million, Bureau's global expansion is well underway. The platform's advanced risk orchestration technology has attracted customers across industries, achieving remarkable growth with a 6x increase in both clientele and revenue in the past year, verifying over 300 million identities. This surge aligns with the urgency of fraud prevention, a priority reflected in the company's strategic acquisitions and partnerships.

Fintech's thrilling innovations are shadowed by the rising threat of identity theft, as crafty cybercriminals exploit vulnerabilities. This high-octane blog explores the risks of synthetic identity theft, sophisticated phishing attacks, and mobile device exploitation with real-world examples. To combat these challenges, fintech companies must adopt a multi-pronged approach, including continuous monitoring, encryption, customer education, and enhanced authentication mechanisms. Together, security and innovation pave the way for a trust-filled fintech journey.

Bureau attains SOC 2 Type 2 Compliance, solidifying leadership in security and privacy. Learn about the rigorous audit that evaluates Bureau's security controls and procedures, providing partners and customers with peace of mind. Discover why Bureau is committed to being a trusted data protection leader.

Alternative data is revolutionizing credit risk scoring by addressing the limitations of traditional models. It includes online behavior and social media activity, providing a comprehensive digital footprint. This enables accurate credit assessment, especially for individuals with limited credit history. By leveraging alternative data, the financial inclusion challenge can be tackled, and risk scoring practices can be significantly improved.

Financial services providers in the Kingdom of Saudi Arabia have until June 2023 to comply with the mandatory SAMA regulations – the Counter-Fraud Framework – introduced by the Saudi Central Bank in October 2022. Non-compliance can attract strict disciplinary action – including fines and restrictions – depending on how significant the gaps are

According to a report by Cybersecurity Ventures, cybercrime is expected to cause $10.5 trillion in damages by 2025. In response, companies are investing in technology solutions to combat fraudulent activities. Device intelligence is a cutting-edge technology that utilizes device and network telemetry data and user behavior to determine user intent and integrity. Read on to stay ahead of the curve and protect your business.

In the gaming industry, account takeover fraud is estimated to cost companies over $1 billion annually. To prevent account takeover fraud, gaming companies need to implement a multi-layered security approach

The updated SAMA mandate was enacted in October 2022, and the compliance deadline for financial services companies is June 29, 2023. This means all financial services companies operating in Saudi Arabia must fully comply with the updated regulations by the end of the second quarter 2023 to avoid negative consequences.

With the recent regulatory announcement of crypto businesses coming under PMLA, businesses need to prioritise security and regulatory compliance to prevent money laundering and identity theft

The collapse of a bank can cause chaos and confusion for account holders and businesses alike. During these uncertain times, financially-motivated cyber-criminals are known to seize opportunities, targeting former account holders and the customers they serve.

Company builds out executive team to lead product roadmap innovation, enhance engineering prowess, and establish brand leadership position

As the regulatory landscape continues to evolve, fintech, lending, and insurance companies must stay ahead of financial fraud to maintain the trust of their customers and stakeholders. Bureau's transaction monitoring bundle help companies fight financial crimes by reducing false positives, increasing efficiency and efficacy, and building credibility with regulators.

In our guest column, Prim Warner talks about how Artificial Intelligence (AI) has emerged as a game-changer in the fight against fraud, and why it is undoubtedly the future of fraud detection and prevention.

Learn how ProjectHero is leveraging Bureau's intelligence to verify their users, assess their financial health and build trust in a traditionally unregulated, digitally backward and informal construction industry.

Behavioural Biometrics, a new-age proactive fraud detection engine, can detect frauds much before it happens.

Cyber fraud affects businesses of all sizes and is prevalent across industries. It can erode customer trust, damage reputation, and result in significant financial losses. Hence, creating a multi-pronged approach using Artificial Intelligence (AI) & Machine learning (ML) turns out to be more efficient than traditional fraud detection methods.

See how Bharat Matrimony, one of the largest matchmaking businesses in India, leverages Bureau's identity verification and intelligence to onboard trustworthy customers without compromising on customer experience.

Behavioural Biometrics is a new-age proactive fraud detection engine that can detect new-age frauds much before the fraud happens. All this without additional friction.

Detecting mule accounts is a complex process as criminals employ various methods to launder stolen funds. So can they be tackled? ‍Combating money mules require specialised solutions that can be deployed in real-time. Read on to know more.

In 2021, India was the third-largest victim of expanding cybercrime with five significant data breaches. Safeguarding critical infrastructure and data is, therefore, essential. In that respect, zero-trust systems can be viewed as a form of insurance against lost or stolen data.

As cryptocurrency platforms see a continued rise in new account sign-ups and transactions, it is essential that they have a process in place to identify good customers and reduce friction while safeguarding reputation and compliance.

Behavioural biometrics powers businesses to stay one step ahead of fraudsters and enhances the customer experience by validating users based on the unique way they interact.

To safeguard the digital lending ecosystem, RBI released the digital lending guidelines that aims to regulate digital lending and crack down on the growing incidences of fraud and malpractices. Here's a summary of the guidelines

With fraudsters becoming craftier, understanding and predicting player behaviour isn't enough to prevent gaming fraud. Gaming platforms can identify fraudulent activities by using data to automate escalation and take action against suspicious behaviour by linking the dots in real-time.

The core theme of the 'Payment Vision 2025' document is 'E-Payments for Everyone, Everywhere, Every time'. At Bureau, we are working towards ushering in a new era of frictionless and fraud-free transactions that support RBI's vision and will deliver unprecedented trust and security to businesses and consumers alike. 

Debanjan Chatterjee writes about Central Bank Digital Currency and its noteworthy benefits which include the financial inclusion of the unbanked population and direct fiscal transfers to households.

In the last few years, there have been significant data breaches that have exposed users’ sensitive information across the globe. Because of these genuine risks, the ability to verify a user’s identity is critical to your security infrastructure.

The future of banking rests on a digital infrastructure that can create reliable digital customer journeys for onboarding by gathering appropriate information with the least friction possible. A slick, agile and flexible solution such as Bureau’s checks for fraud and friction seamlessly.

See how Pencilton created a great and fast onboarding by leveraging Prism, Bureau's risk orchestration platform to automate KYC compliance, risk profile users, and expedite the whole onboarding process. 

Risk-based authentication has become increasingly important as ID fraud, transaction fraud, and account takeovers (ATOs) continue to skyrocket. Bureau’s RBA solution uses a risk engine with machine learning to detect fraud better

Institutions and businesses today do not have the luxury of time and resources and must authenticate transactions in a matter of seconds. Hence, fraud detection with machine learning becomes viable due to its ability to learn from historical fraud patterns and block them in future transactions.

With PayPal admitting to having identified 4.5 million fraudulent accounts, it becomes imperative for businesses to invest heavily in fraud prevention tools that combine intelligent automation to transform the client experience, prevent bots and accelerate onboarding.

Unlike traditional banks, neobanks run the risk of increasing customer churn, by applying more checks and frictions. Hence, they need a solution that verifies identities in the background and pulls up data in real-time.

Bureau, frictionless identity verification and fraud protection platform, emerged from stealth with a $12 million Series A round led by Quona Capital in December 2021. Bureau had earlier raised a seed round of $4.2m in August 2020.

As lucrative commissions attract more agents to the rapidly growing insurance industry, fraud cases have also risen. But what if there's a way to use a risk intelligence system to identify bogus applicants and assess them? It's now possible to identify such fraudsters with Bureau.

In this rapidly changing digital world, customer experience and convenience have emerged as critical differentiators of a world-class digital transaction experience. To deliver an exceptional customer experience, the onboarding process needs to be as seamless and simple as possible.

A major private insurance company with a strong legacy was struggling with a wave of fake customer applications. The insurer required a fraud prevention solution that verified customer identities ideally in real-time. Here's how Bureau tackled the problem for them

The right KYC experience is an essential part of your customer’s onboarding journey and can make or break your business. Most businesses don’t pay much attention to adopting stringent identity verification processes unless something goes wrong.