Joining BIK’s portfolio of advanced fraud detection tools—already protecting banks from fake credit applications and securing online transactions at the device level—is a new, innovative mechanism: Behavioural Verification. This cutting-edge technology was developed by Digital Fingerprints, a company within the BIK Group.
BIK continues to strengthen its expertise in building sector-wide anti-fraud systems and is now expanding its capabilities with the Behavioural Verification Platform.
Thanks to behavioural verification, banks can detect and respond to situations where a customer—knowingly or unknowingly—hands over control of their device to another person, or when the device is taken over without authorisation.
Recognised by the European Banking Authority as a method of strong customer authentication, behavioural verification allows banks to eliminate the need for other mechanisms such as tokens, SMS codes, or mobile apps.
In addition to the authentication methods already used by banks—required under the PSD2 directive—such as knowledge-based elements (login and password) and possession-based elements (notifications sent to the customer’s mobile device), a third factor now emerges: behavioural characteristics that uniquely identify the user.
This security system is based on a biometric behavioural profile of the customer, enabling real-time fraud detection—regardless of the application or device being used. The system is continuously updated, adapting as the user's behaviour naturally evolves over time.
Importantly, the system focuses not on the content, but on how the user interacts:
typing patterns
keystroke pressure and speed
mouse movement dynamics
mobile app usage behaviour
The profiling algorithms are built using artificial intelligence and machine learning techniques. The behavioural model detects anomalies in user behaviour, helping to identify fraudulent activity and alert the bank to unauthorised transactions or suspicious credit applications.
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