Strengthening Fraud Detection and Customer Trust with IBM Security Trusteer
A leading European digital bank enhanced its fraud prevention and customer protection strategy by deploying IBM Security Trusteer, a powerful AI-driven solution for detecting online fraud and account takeover attempts. By implementing IBM’s behavioral analytics and device fingerprinting capabilities, the bank reduced fraud incidents, safeguarded customer accounts, and maintained a seamless digital experience for over one million users.
Business challenge
With rapid growth in digital banking adoption, fraudsters increasingly target customers through phishing, identity theft, and account takeover attacks. The bank’s previous fraud prevention system was reactive, often unable to detect sophisticated threats early enough to prevent financial losses.
The organization needed to:
- Detects and prevents fraudulent logins and transactions in real time.
- Enhance fraud analysis accuracy without impacting customer experience.
- Strengthen user authentication across web and mobile channels.
- Maintain compliance with stringent financial regulations and data privacy laws.
Solution
To address these challenges, the digital bank implemented IBM Security Trusteer, integrating it across all online and mobile platforms. IBM Security Trusteer analyzes digital identity signals, behavioral biometrics, and device information to detect fraud before transactions occur.
The AI-based model learns continuously from user behavior patterns, identifying suspicious activity such as impossible travel, device spoofing, or credential misuse. This proactive approach enabled the bank to stop fraudulent sessions instantly while allowing legitimate users to access services smoothly.
IBM Security Trusteer also ensured regulatory compliance by anonymizing user data, ensuring complete privacy protection while maintaining fraud detection accuracy.
Solution components
- IBM Security Trusteer
- Behavioral Analytics and Device Fingerprinting
- AI-Based Fraud Detection Model
Advanced Fraud Detection
AI and behavioral biometrics identify deviations from normal customer behavior, flagging anomalies that indicate fraud or account compromise.
Seamless Customer Experience
The system operates silently in the background, ensuring zero friction for legitimate users while maintaining strong security controls.
Data Privacy and Compliance
IBM Security Trusteer analyzes activity patterns without storing personally identifiable information, ensuring adherence to GDPR and financial compliance standards.
Result
- Reduced fraudulent transactions and account takeovers by over 90%.
- Improved fraud detection accuracy with AI-driven models.
- Enhanced digital banking trust and user satisfaction.
- Strengthened compliance with European data privacy laws.
- Created a scalable framework for continuous fraud prevention.
Many fraud detection tools react after an incident — IBM Security Trusteer acts proactively. It understands fraudsters’ behavior, not just user data, and delivers unmatched precision in protecting our customers’ accounts.
— Chief Information Security Officer, Leading European Digital Bank