Digital Banking & Channels
Detect fraud at the device level, not just the user's identity.
0–100 risk score for every device
One device, many accounts exposed
Deep analysis for accurate decisions
Financial fraud in Indonesia's digital banking sector is escalating fast, with fraud patterns shifting significantly. Fraudsters increasingly rely not on stolen credentials but on fake devices, emulators, and synthetic identities that pass standard KYC checks because verification still focuses on the user, not the device behind them.
HBM's Device Intelligence Fraud Solution helps digital banks and financial institutions detect fraud at the device level, uncovering patterns such as a single device controlling dozens of accounts, emulator usage, and device farming networks invisible to conventional verification systems. The solution is also designed to support compliance with POJK 12/2024 on anti-fraud strategy implementation, which requires all financial institutions to apply four pillars: prevention, detection, investigation, and monitoring.
Forms a unique, persistent fingerprint for every device.
Measures each device's risk level in real time.
Schedule a demo or discuss your institution's device intelligence fraud needs with HBM.
Aligned with the 4-pillar anti-fraud strategy
Identifies whether a device has a history of fraud association.
Maps connections between devices, accounts, phone numbers, and fraud networks.
Provides a real-time 0–100 risk score to support approve, review, or reject decisions.
Identifies root, jailbreak, emulator, VPN, and other device manipulation tools.
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