Savyint Fraud Prevention and Risk Management
A Comprehensive Digital Fraud Prevention and Risk Management Solution
SAVYINT Fraud Prevention & Risk Management is a fraud prevention and risk management solution that enables financial institutions to detect, assess, and prevent fraud across the entire user journey – from onboarding, login, authentication, transaction execution, to post-disbursement monitoring.
By leveraging AI/Machine Learning, Device Intelligence, an Adaptive Risk Engine, contextual strong authentication (Risk-based & Step Authentication), API security, and Post-Quantum Cryptography (PQC), Savyint Fraud Prevention & Risk Management helps banks and financial institutions prevent fraud in real time, reduce operational risk, and ensure full compliance with international standards and local regulations.
Key Advantages
Multi-layer, real-time fraud detection
Automated decision-making based on risk and transaction context
Flexible combination of prevention – detection – response – step-up authentication
Full control, explainability, and auditability of all decisions
Rapid adaptation to new fraud patterns using AI
Simultaneous compliance with global security standards such as AML, KYC, KYB, PSD2, PSD3, as well as local regulations including Circular 64/2024/TT-NHNN, Circular 50/2024/TT-NHNN, Circular 77/2025/TT-NHNN (Vietnam), AFASA, BSP 1213, 1214, 1215 (Philippines), Malaysia regulations, and others
Key Features
Device Intelligence
- Uniquely identifies device fingerprints to distinguish legitimate users, bots, emulators, and fraud rings.
- Detects spoofing and IP masking while assigning real-time device risk scores.
Behavioral Analysis & Risk Scoring
- AI/ML analyzes login behavior, transaction patterns, and deviations from normal user activity.
- Generates real-time risk scores to detect suspicious activities beyond rigid rule-based systems.
Adaptive Risk Engine & Fraud Decision Engine
- Aggregates transaction, device, location, and historical behavior signals to calculate risk levels.
- Automatically allows, step-up authenticates, or blocks transactions with full auditability and explainability.
Adaptive Authentication &
Risk-based Step Authentication
- Dynamically adjusts authentication strength based on user context and risk level.
- Triggers MFA, biometrics, or passwordless authentication when needed without disrupting user experience.
Strong Customer Authentication (SCA)
- Supports MFA, biometrics, Passkeys/FIDO2, Smart OTP, and transaction signing.
- Ensures SCA compliance for Digital Banking and Open Banking through risk-based authentication.
API Security
- Secures Open APIs using FAPI, mTLS, and rate limiting standards.
- Monitors API access in real time to detect abnormal or malicious behavior.
Advanced AI/Machine Learning for Proactive Fraud Detection
- Hybrid ML models detect known fraud and emerging anomalies in under 100ms with Explainable AI.
- Includes Federated Learning, Graph Detection, and Drift Monitoring for long-term accuracy and compliance.
Use cases
- Digital Banking: Real-time detection and prevention of transactional fraud
- Electronic Payments & Digital Wallets: Effective protection against common fraud types such as payment hijacking, identity spoofing, and social engineering attacks
- Cross-border Payments: Real-time behavioral analysis and risk scoring for complex international transactions