Content Library

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.

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

12 min read

Cannabis Compliance: How banks can tap into the budding marijuana industry

In honor of the official/unofficial holiday in celebration of marijuana — lovingly referred to as "4/20" — we take a look at cannabis compliance requirements. Experts from BCB Community Bank and Shield Compliance share their tips for banks and fintechs thinking about opening a cannabis program.

Article

#Compliance

9 min read

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.

Article

3 min read

Nearly two-thirds of Americans report concerns about tax fraud

Tax season brings with it new potential for fraud against Americans, and the numbers reveal that they are both aware of this threat and concerned about it. In this blog, we dig into the data around consumer fraud fears and discuss the repercussions for financial institutions.

Article

#Fraud

4 min read

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.

Article

6 min read

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.

Article

3 min read

When and how to file a Suspicious Activity Report (SAR)

What is a Suspicious Activity Report (SAR)? Who is required to file a SAR? When do you need to file one? How do you file one? — Alloy's Director of Compliance answers all these questions and more.

Article

Alloy partners with Kyckr to streamline KYB checks for global companies

Mar 21, 2023

Press Release

#Alloy News

2 min read

DEI @ Alloy: March 2023 roundup

Our employee resource groups (ERGs) hosted some amazing events over the past month, and our employees celebrated Black History Month and Women’s History Month.

Article

#Alloy News

5 min read

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.

Article

6 min read

Why knowledge-based authentication (KBA) is not effective

Alloy CTO, Charles Hearn, uses his own knowledge-based authentication (KBA) questions to prove why they are an not effective approach to identity verification.

Article

Baker Hill Partners with Alloy to Help Financial Institutions Verify More Loan Applicants & Mitigate Fraud Risks

Feb 28, 2023

Press Release

#Alloy News

4 min read

What is ambient fraud?

The most common type of fraud is one you might not have heard of yet. Here’s how to identify and combat ambient fraud.

Article

#Fraud

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Astra and Alloy Partner to Streamline Payment Integrations

Top fraud trends in 2023

DEI @ Alloy: May 2023 recap

Keith Kettell joins Alloy as Chief Revenue Officer

Framing Fintech: Navigating the fintech and sponsor bank partnership

How to approve more good customers

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

Keep up to date with Alloy

Cannabis Compliance: How banks can tap into the budding marijuana industry

Real-time payments: RTP vs. FedNow

Nearly two-thirds of Americans report concerns about tax fraud

The digital transformation of in-branch account opening

How to stop small business banking fraud

When and how to file a Suspicious Activity Report (SAR)

Alloy partners with Kyckr to streamline KYB checks for global companies

DEI @ Alloy: March 2023 roundup

Sole proprietorships vs. LLCs: how to verify small businesses

Why knowledge-based authentication (KBA) is not effective

Baker Hill Partners with Alloy to Help Financial Institutions Verify More Loan Applicants & Mitigate Fraud Risks

What is ambient fraud?

See what you’re missing

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