Content Library

How an SDK can help companies catch more fraud

What started as a simple piece of technology has evolved to help banks and fintechs stay ahead of ever-changing fraud risks.

How you can stop fraud at the flip of a switch

You don’t want to get caught in a fraud attack and then have to scramble to figure out how to respond, build new workflows and integrate with new data providers. We share some tips on how you can stay one step ahead of fraudsters.

Glossary of financial fraud terms

In our ever-growing fraud glossary, we define common financial fraud terms, including first-party fraud, synthetic fraud, check fraud, and account takeover (ATO) fraud.

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?

Introducing the Alloy Testing Suite

Alloy enriched existing capabilities to offer a more comprehensive testing hub that allows clients to test new policies or changes to their decisioning logic and see projected outcomes, easing the pressure of making changes and going live. This type of agility is critical in an era of growing fraud.

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.

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.

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.

Framing fintech: chatting with fintech founder & investor, Aaron Frank, pt 2

Framing Fintech is a blog series where our GM of Fintech, Charley Ma, interviews leaders in the industry. In part two of Charley Ma's conversation with Aaron Frank, Aaron unpacks the key customer lifecycle events for credit cards, areas where credit card companies get it wrong, and types of fraud that credit card companies should be looking out for.

Framing fintech: chatting with fintech founder & investor, Aaron Frank, pt 1

In the new edition of Framing Fintech, Charley Ma sat down with Aaron Frank to get his advice on how new credit card startups should approach launching a credit product.

Build the ideal digital credit application experience

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

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.

Alloy announces new features to fight fraud including codeless SDK

In response to the dramatic increase in fraud rates over the last year, Alloy has launched new features to help companies continue to grow while keeping up with the pace of fraud.

Alloy’s SDK powers the future of step-up verification

Alloy's Senior Product Manager, Radhika Khatod, introduces one of our newest features: our codeless SDK. Using Alloy's SDK means end users will experience a clean and consistent user experience across all vendors in their onboarding journey.

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.

Unleashing Growth with Small Business Lending and Credit

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

Alloy goes global

Alloy is expanding internationally with the backing of several new data sources and coverage for 40 countries across EMEA, APAC, and LATAM regions.

Alloy helps Jetty improve the onboarding and credit underwriting process without compromising risk

Maximizing ROI on your consumer credit marketing campaigns

We weigh the pros and cons of broad advertising for consumer credit cards and share three cost-effective tips for expanding your TAM without opening yourself up to more risk.

Increasing credit inclusivity with Nova Credit

Our Credit Data series takes a closer look at the data partners that we’ve integrated within our credit decisioning workflows. In this first post of the series, we interview Chris Hansen at Nova Credit on using alternative data for evaluating credit risk.

Alloy launches Credit Underwriting to enable smart and safe credit decisions

Alloy is expanding our identity decisioning platform once again: now offering Alloy Credit Underwriting to enable financial institutions (FIs) to make faster, smarter credit decisions while reducing risk for their businesses. This is our next step towards creating a robust platform where financial institutions can make all of their identity and risk decisions.

What is data orchestration and how can it help you grow your customer base? [WEBINAR]

If you’re still using a linear approach to identity verification, you’re missing a trick. In this webinar with Bank Director, our Director of Data — Andrew Martin — explores how a holistic approach to identity verification can increase your number of digital account openings while mitigating fraud risks.

What is Alloy and how can it help you?

Alloy is your command center for identity, giving you an easy-to-use dashboard that covers your compliance, KYC and fraud-fighting needs.

How neobank cred.ai is rethinking conventional credit decisioning

Learn how to deploy safe and seamless credit applications and delight your customers in the process

See what you’re missing

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

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