Content Library

Real-time payments: RTP vs. FedNow

Do faster payments mean faster fraud? We break down real-time payments and what they mean for your fraud controls.

The digital transformation of in-branch account opening

There’s been a lot of talk about how customers only want to operate online nowadays. In response, businesses are focused on building or improving their digital experience — and they should be. Gen Z and millennials tend to opt for online experiences before in-person ones, but that doesn’t mean you can forget about your in-person experience.

How to stop small business banking fraud

There's no way to sugarcoat it. Banks and fintech companies alike are getting crushed right now by small business account fraud. In this blog, we break down what types of small business banking fraud to look out for and how to prevent it.

Sole proprietorships vs. LLCs: how to verify small businesses

KYC, KYB, and AML laws require financial institutions to verify a company’s (and its beneficial owners’) identity before offering the business financial services or products. We break down the nuances of onboarding sole props vs. LLCs.

Why collaboration is key to fighting fraud

Alloy CEO Tommy Nicholas reacts to new State of Fraud Benchmark Report.

Alloy launches new capabilities to enable clients to accelerate growth

Alloy streamlines global identity management with new features that help clients operating across markets stay compliant with local KYC and AML regulations while preventing fraud.

New report shows how banks and neobanks are responding to increased demand for personalized experiences

Customers want more personalized experiences. How does digital banking stack up? Gartner Peer Insights and Alloy surveyed 100 bank leaders to understand what their organizations are doing to provide a personalized and digital customer experience.

Why does it seem like everyone is launching a credit card?

We break down the three key trends influencing why so many neobanks, fintech companies, and even companies outside financial services are developing consumer credit programs.

Build the ideal digital credit application experience

We team up with Blend to share best practices for optimizing and modernizing your user experience.

Understanding embedded finance: A deep-dive

Embedded finance shook up everyone, from banks to BaaS providers and end-brands. Learn how to leverage embedded finance for sustainable growth using our guide.

KYC & AML compliance: from 1970 to 2022 and beyond

We look at KYC/AML compliance regulations over the years, talk about three sectors to watch out for in the regulatory landscape and break down how Alloy fits into it all.

Don’t get FOMO when it comes to crypto

We share four ways you can build an effective digital assets strategy—from mounting a robust risk management system to partnering with fintech companies to accelerate your roadmap.

#Banking

Buy-now-pay-later apps: If you can’t beat them—wait, no, you can beat them

BNPL solutions are often more affordable and more accessible than traditional credit cards—but most consumers still want short-term financing options directly from their trusted primary bank. Learn how adjusting your underwriting model and tapping into alternative data sources can help you appeal to a wider market.

The great balancing act: fraud prevention and customer experience

Alloy CEO Tommy Nicholas and Jamie Warder, Executive VP & Head of Digital Banking at KeyBank, react to Forrester's study, The Identity Decisioning Imperative.

3 fraud & risk lessons banks can learn from fintech companies

Alloy CEO Tommy Nicholas outlines the top three challenges he sees banks face in their KYC and fraud prevention efforts and shares some lessons banks can learn from fintech companies to overcome these challenges.

Exploring the "niche" banking trend

Billie Simmons, Co-founder & COO of Daylight, Ryan Falvey, Founder & Managing Partner at Financial Venture Studio and Alloy’s GM of Fintech, Charley Ma weigh in on the "niche" banking trend.

Live Oak Bank and Alloy partner to decrease fraud and enhance customer experience

Alloy's holistic solution helped Live Oak reduce fraud losses by 27%

Grasshopper reduced manual reviews by 58% with Alloy

Alloy helps Grasshopper drive down the cost of fraud and expand into new markets while retaining a lean operation.

Forrester study highlights how leading banks are solving their identity decisioning problem

In a recent independent study conducted by Forrester, The Identity Decisioning Imperative, they surveyed 100 senior executives from large US banks to find out how they are approaching closing the gap between fraud prevention and a seamless customer experience. According to the report, just 9% of banks have found the sweet spot by adopting an Identity Decisioning Platform.

How to streamline your digital and in-person account opening

See how Alloy, an identity decisioning platform, can help you mirror your in-person experience online by reducing friction in your digital onboarding, transaction monitoring, and credit underwriting processes.

How banks should adapt for digital growth

Discover the steps your financial insitution needs to take to become digital first in our webinar with LendingClub and American Banker.

Unleashing growth with small business lending and credit

Join experts from Alloy, Enigma, and Experian as they walk through the SMB lending landscape.

How to build your bank's fintech stack

Discover why your bank should be leveraging fintech solutions to grow your business and speed up your digital transformation.

Bank's guide to build vs. buy: an Identity Risk Solution

Understanding the pros and cons of both in-house and outsourced Identity Risk Solutions for banks

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