Protect Online Accounts From Account Takeover (ATO)
How Darwinium Mitigates ATO
Continuous Monitoring and Real-Time Decisioning
- Journey-Based Visibility: Darwinium continuously monitors the entire user journey, assessing risk at every interaction.
- Decision and Action in Real Time: Introduce additional authentication checks for high-risk interactions, block risky logins in real time, reduce friction for trusted returning users.
Detect Anomalies with Integrated Behavioral Biometrics
- Behavioral Biometrics on Every Field: Monitor the way a user interacts with their devices across web and mobile.
- Support Continuous User Authentication with behavioral biometrics across the user journey, to detect unusual deviations from normal behavior, as well as bot-like behaviors.
Separate Trust and Risk with Digital Signatures
- Digital Signatures for Devices and Behavioral Biometrics: Improve returning user recognition rates based on the context of an interaction.
- Optimize Challenge rates with Customer Experience, while reducing false positives. Condense granular data relating to devices and behaviors into signatures that can be compared for similarity to previous and known bad interactions.
Identify Suspicious Network or Location Changes
- Context-Aware Location Intelligence: Understand network changes relating to IP address, internet provider, connection type and proxies which might be indicative of an account takeover scenario.
- Detect Logins from New or Unusual Locations: Darwinium's geo-tracing functionality provides detailed context on the location of devices, addresses, proxied and true IP addresses, as well as suspicious account changes e.g. unusual new shipping addresses.
Agile Integration and Orchestration
- Flexible Deployment Options: Integrate Darwinium on the edge, via your Content Delivery Network (CDN), on webpages, on mobile and on API endpoints for complete protection.
- Orchestrate Third-Party Services: Seamlessly integrated additional data sources and step-up authentication to enrich risk assessments and enhance decision-making processes.
Protect Customer Trust with a Privacy-First Approach
- Privacy and Security by Design: Darwinium gives customers the option to move data classification, encryption and anonymization to the perimeter edge.
- Retain Full Control of Sensitive Data, with less exposure to risk. Darwinium uses a fully anonymized version of this data that can be processed globally for security and fraud prevention purposes.
Current Account Takeover (ATO) Methods
Account Takeover (ATO) fraud is a growing threat given the wealth of monetization opportunities online accounts provide, including transferring an account balance, rewards and loyalty points monetization, access to cards-on-file and credential theft.
Fraudsters have increased their levels of attack sophistication, combining brute force techniques with social engineering to steal or intercept one-time passcodes (OTPs) or bypass other two-factor authentication protocols.
The most common methods include:
Credential Stuffing
Automated tools testing stolen username-password pairs across multiple sites.
Brute Force Attacks
Systematically trying every possible combination of passwords to gain access.
Malware and Keyloggers
Infecting devices to capture login credentials directly as they are entered.
Phishing
Deceptive emails, texts, or websites deceiving users into revealing login credentials.
Social Engineering
Manipulating individuals to divulge personal information or bypass security protocols.
SIM Swapping
Hijacking a victim's phone number to intercept two-factor authentication codes.
Why Choose Darwinium?
Darwinium stands out in the crowded security and fraud prevention market by providing a holistic, adaptive, and privacy-conscious approach to account security. Its innovative approach to continuous visibility across the customer journey, digital signatures and flexible decision engine ensures unparalleled protection against account takeovers. Moreover, its commitment to user privacy and security makes it a trusted partner for businesses looking to secure their digital environments without compromising user trust or experience.
Darwinium Specializes in providing tailored Account Takeover solutions for many diverse industries.
eCommerce
Darwinium offers robust account takeover protection for businesses in the eCommerce industry by providing complete visibility and context of user behavior across the customer journey before a checkout or payment attempt. As the eCommerce industry has shored up payments protections, fraudsters have shifted attacks further up the customer journey, targeting account takeovers to access sensitive customer information, cards on file, and loyalty / rewards bonuses. Darwinium profiles interactions from the moment a customer lands on a site, detecting unusual login attempts, change of details requests or bot-like behavior, before a payment or rewards redemption is made. This proactive approach not only enhances account security but also ensures a seamless and secure shopping experience for trusted users, ultimately boosting customer satisfaction and loyalty.
Darwinium offers robust account takeover protection for businesses in the eCommerce industry by providing complete visibility and context of user behavior across the customer journey before a checkout or payment attempt. As the eCommerce industry has shored up payments protections, fraudsters have shifted attacks further up the customer journey, targeting account takeovers to access sensitive customer information, cards on file, and loyalty / rewards bonuses. Darwinium profiles interactions from the moment a customer lands on a site, detecting unusual login attempts, change of details requests or bot-like behavior, before a payment or rewards redemption is made. This proactive approach not only enhances account security but also ensures a seamless and secure shopping experience for trusted users, ultimately boosting customer satisfaction and loyalty.
The marketplace model presents a web of opportunities for fraudsters to exploit. The backbone of the marketplace model is trust, from both the buyer and seller. Marketplaces need to detect and block fraudulent sellers, scam listings and fake reviews before they go live, while verifying the authenticity of trusted sellers with minimal friction. Buyers must enjoy streamlined access to the platform without running the risk of account takeovers.
Darwinium is uniquely positioned to understand risk across both the buyer and seller accounts, detecting account takeover behaviors in real time to block potential scams and fake reviews. Identify unusual listing velocity, duplicate or similar text and images, unusual location details and bot behaviors. Deploy tailored mitigation strategies on a per seller / buyer basis to preserve the integrity of the platform.
Account Takeover is a growing risk in the gaming and gambling sectors. Fraudsters know customers have cards registered or deposits held in their account, so they take over the account and either withdraw the victim’s money, make unauthorized bets, engage in collusive play or abuse unique loyalty benefits.
Protect player accounts with Darwinium by detecting unusual or high-risk login attempts as they are happening, preventing access to personal data, account deposits, or player bonuses. Separate genuine risky attempts from those that appear unusual but are still coming from a trusted user. Identify users attempting to log in from non-compliant locations.
Fintech businesses face significant threats from Account Takeover (ATO) fraud, where cybercriminals gain unauthorized access to user accounts to steal funds, sensitive information, or conduct fraudulent transactions. These threats can lead to financial losses, reputational damage, and regulatory penalties. Digital wallets, cryptocurrencies and neo-banks are key targets for fraudsters looking to exploit gaps in business processes, putting digital-first strategies to the test. Darwinium unites operational siloes and gaps in digital journeys to detect unauthorized access to user accounts in real time. Protect user accounts by streamlining access for trusted users while proactively detecting high-risk and unusual login attempts. Separate trusted users from potential threats using Darwinium digital signatures - a unique way to improve returning user recognition using behavioral identification, rather than relying on fixed pieces of information.
Despite the escalation in authorized push payment (APP) fraud, also known as scams, account takeovers remain a significant threat to retail banks. Fraudsters are now combining brute force techniques with advanced social engineering tactics to persuade customers to divulge sensitive information, one-time passcodes (OTPs) or even their banking login credentials. This can lead to a fraudster registering for a new channel using a customer's credentials, such as mobile banking, or directly accessing the customer's online bank account. Account takeovers in retail banking can cause significant financial and emotional damage for the customer, and reputational damage, and erosion of customer trust for the bank.
Darwinium combines advanced device fingerprinting technique with native behavioral biometrics capabilities, using proprietary digital signatures, to provide accurate returning user recognition. By deploying on the edge, via a CDN, banks can gain complete visibility of user behavior across every digital touchpoint, better protecting user accounts, securing sensitive customer data, and maintaining trust and repuation in a highly regulated industry.
The telco industry faces significant threats from Account Takeover (ATO) fraud, particularly given a mobile phone is often the gateway to account access and authentication for a host of other services such as online banking, digital wallets and retail apps. Key threats include phising and social engineering attempts to divulge sensitive information, and SIM swaps via the mobile carrier, either by socially engineering the call centre or branch personnel.
Darwinium takes a holistic approach to prevent account takeover in the telco space, providing a benchmark for trusted user behavior so that deviations from the norm can be identified and flagged in real time. Telcos can understand risk across the entire customer journey, using device intelligence and behavioral biometrics to identify instances of SIM swap or account takeover attempts.
Account Takeover (ATO) is a growing problem for Online Travel Agencies (OTA). OTAs typically have good protections in place to prevent payment fraud, but are increasingly seeing fraudsters exploiting other points in the customer journey, taking over user accounts to steal loyalty and rewards points. These can often be converting into flights or hotel bookings that can be monetized via refunds or transfers.
By continuously monitoring user behavior and identifying anomalies, Darwinium can quickly flag suspicious activities such as unusual login patterns or changes in booking behavior. Trusted customers experience no friction, while high-risk login attempts can be stepped-up for further review.
Account takeover fraud in the travel and tourism industry can have a huge impact on customer and can severely damage the reputation of operators. If fraudsters gain access to a hotel, marketplace or tour operator's account, they can create fake listings, send scam messages to genuine bookings and capture the victim’s payment information and personal data in the process. Taking over customer accounts help with airlines or online travel agencies can also give access to booking details, cards on file and rewards / loyalty points.
Darwinium helps the travel and tourism industry combat Account Takeover (ATO) fraud by providing complete visibility of user behavior across every digital touchpoint. Darwinium can identify anomalies such as unusual login locations or changes in booking patterns, quickly flagging suspicious activities. The ability to make proactive risk decisions, and provide dynamic, tailored remediation strategies based on risk, enables travel and tourism businesses to promptly address potential threats, protecting customer accounts and sensitive travel information.
Get Started with Darwinium.
Stop Account Takeover Attacks.
Protect your business and your customers from the ever-growing threat of account takeovers. Get started to see how Darwinium can enhance your cyberfraud prevention strategy and provide peace of mind in an increasingly digital world.
Reduce Financial Loss & Protect Customer Funds
Account takeover attacks have a huge financial impact on customers and businesses alike. Customer can lose account balances, loyalty and rewards points, and personal credentials, while businesses shoulder the burden of refunds, chargebacks and claims, leading to additional financial strain and penalties, as well as heavy operational costs. Darwinium has been architected to reduce the financial damage from account takeover fraud, uniting operational siloes across security and fraud teams and reduce fraud losses by detecting account takeover scenarios before they impact end user accounts.
Protect Sensitive Data
Sensitive customer data can be monetized by fraudsters, forming part of complete digital identities that are sold on the dark web. Account takeovers are used by fraudsters to harvest data, exposing sensitive information, financial details, and login credentials. Once a business is successfully targeted for ATO, it can also become a repeat target, damaging reputation and customer trust. Darwinium helps businesses safeguard sensitive customer data from unauthorized access, helping to reduce exposure in the wild, and protect privacy and customer trust.
Defend Brand Integrity and Build Customer Trust
Account takeovers can severely damage the reputation of a brand and customer trust. Customers are more likely to defect to a competitor following a fraud attack. Likewise, overly robust fraud controls can cause frustration as good customers experience unnecessary friction when trying to access their accounts. Darwinium helps businesses balance frictionless account access with accurate fraud detection for account takeover attempts, maintaining brand integrity and customer trust.
Challenge Suspicious Activity with Confidence
Darwinium’s continuous behavioural identification across the customer journey incorporates intelligence related to devices, networks, and user behaviors, ensuring every user interaction is protected. This approach better separates trusted user behavior from a potential threat, proactively alerting businesses to account takeover attempts.
Enhance Your Decision Making
Darwinium's flexible decision platform orchestrates both decisions and actions across customer journeys. Plug and play third-party integrations play nicely in existing stack and can be called conditionally based on trust and risk. Define journey and data mapping behaviors from within the Darwinium portal. Remove reliance on engineering resource to make code changes to take action. Train, test and deploy machine learning models without risk, removing reliance on black-box scores.
Stay Ahead of Attackers
Darwinium helps merchants in industries such as eCommerce, banking, gaming and gambling, dating, travel and tourism, telco, and online travel agencies stay ahead of Account Takeover (ATO) fraud. Online businesses can combine complete visibility of user behavior across the customer journey, with the ability to decision and act on trust and risk in real time. Discover more about the Darwinium Platform today!
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“We are passionate about helping protect those least able to protect themselves, delivering on the promise of the internet to be fair, equitable and accessible to everyone.”
Alisdair Faulkner
CEO and Co-Founder, Darwinium