Content Library

How valuable is a credit score?

Lending decisions have relied heavily on credit scores since they were first introduced in the late-1950s. However, some FIs have recently started incorporating alternative sources of data into their lending decisions. After more than 60 years of trusting credit scores, what is prompting our industry to rethink them?

Article

20 MIN READ

The 2023 State of Compliance Benchmark Report

Looking at compliance trends in 2023 and making predictions for 2024

Read the report

Report

Over 60% of fintechs paid at least $250K in compliance fines last year, Alloy report finds

Aug 15, 2023

Press Release

#Alloy News

10 MINUTE READ

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

Download now

Ebook

6 min read

Fraudsters work in real-time. Fraud prevention tools should too.

Many financial institutions are still using a “Day-2” fraud review process. We explain why Day-2 reviews should be a last resort and how FIs can catch fraud in real-time instead.

Article

How to approve more good customers

In this eBook, we explore how using multiple data source providers in your identity verification process can not only help you mitigate fraud risks, but also bring on more good customers.

Download

4 min read

Keep up to date with Alloy

Subscribe to our blog for the latest posts, resources, and events for all things banking and fintech.

3 min read

What is an Identity Risk Solution?

An Identity Risk Solution is an end-to-end platform to manage identity, fraud, credit, and compliance risks throughout the customer lifecycle.

Article

4 min read

Your fraud model is broken

Most fraud prevention models no longer keep up with current threats because they focus on transactions instead of identity.

Article

Astra and Alloy Partner to Streamline Payment Integrations

Jun 13, 2023

Press Release

#Alloy News

10 min read

Top fraud trends in 2023

Learn more about recent fraud trends and how these predictions can help you make a better business case for proactive fraud prevention and the anti-fraud tools you need.

Article

3 min read

KYC, KYB, KYT: Know your K-Y terminology

K…Y…What?! Learn the acronyms that will help you safeguard your fintech business

Article

6 min read

DEI @ Alloy: May 2023 recap

May marked Asian American & Pacific Islander (AAPI) Heritage Month. AAPI @ Alloy did not disappoint by planning some special programming to help the Alloy community celebrate.

Article

#Alloy News

Keith Kettell joins Alloy as Chief Revenue Officer

May 31, 2023

Press Release

#Alloy News

17 min read

Framing Fintech: Navigating the fintech and sponsor bank partnership

Paintbrush founder & CEO Stephen Walter talks about founding a fintech, finding a sponsor bank, and staying compliant as regulatory attention on bank/fintech partnerships intensifies.

Article

7 min read

Perpetual KYC: automated risk-based compliance

Many banks and fintechs are opting for perpetual KYC instead of periodic reviews. We break down what perpetual KYC is, how to implement it, and how to balance cost with risk.

Article

5 min read

How leading banks and fintechs are verifying thin-file applicants

Many members of the underbanked population have no or thin credit files — which, in a classic case of what comes first, the chicken or the egg — makes it even harder for them to acquire a credit card. But how can organizations safely verify and underwrite these populations? I asked experts from Alloy, Equifax, Nova Credit, Zest AI, and Ocrolus to find out.

Article

10 min read

A brief history of the evolution of fraud technology

We take a look at the evolution of fraud technology over the past two decades to help gain a better understanding of how banks and fintechs can fight fraud, maintain their customers’ trust, and continue to keep up with customer expectations for the onboarding experience—even as new threats emerge.

Article

2 min read

DEI @ Alloy: April 2023 roundup

Another month, another set of excellent events from Alloy’s Employee Resource Groups (ERGs)! Trail Blazers (our ERG for women @ Alloy) hosted a panel with Women in Fintech and a volunteer event. HOLA (our Hispanic Organization & Leadership ERG) hosted a spicy salsa social. Meanwhile, the DEI Committee is hard at work behind the scenes planning company-wide training programs for the rest of the year.

Article

#Alloy News

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How valuable is a credit score?

The 2023 State of Compliance Benchmark Report

Over 60% of fintechs paid at least $250K in compliance fines last year, Alloy report finds

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

Fraudsters work in real-time. Fraud prevention tools should too.

How to approve more good customers

My experience as an LGBTQ+ employee at Alloy

How AI is transforming fraud prevention

How to stay ahead of first-party fraud

A closer look at the Alloy Testing Suite

Keep up to date with Alloy

What is an Identity Risk Solution?

Your fraud model is broken

Astra and Alloy Partner to Streamline Payment Integrations

Top fraud trends in 2023

KYC, KYB, KYT: Know your K-Y terminology

DEI @ Alloy: May 2023 recap

Keith Kettell joins Alloy as Chief Revenue Officer

Framing Fintech: Navigating the fintech and sponsor bank partnership

Perpetual KYC: automated risk-based compliance

How leading banks and fintechs are verifying thin-file applicants

A brief history of the evolution of fraud technology

DEI @ Alloy: April 2023 roundup

See what you’re missing

First, we’ll learn about your needs, answer your questions, and then see how Alloy can help.