Content Library

Banks have a friction challenge

How banks and fintechs can strike the right balance between a great customer experience and fraud risk prevention.

Business onboarding: KYB and fraud prevention

How to tap into the growing SMB customer segment without sacrificing compliance or becoming vulnerable to fraud

Why data orchestration is critical to banks and fintechs

Data orchestration helps banks and fintechs gain real-time access to multiple data sources and assists with regulatory compliance, fraud prevention, and growth expansion.

Exploring Fintech Compliance Trends in 2023: Insights from Industry Leaders

Unlock the future of fintech compliance with industry experts from Alloy, Cable, Stash, and Treasury Prime

Mid-year checkpoint: 6 compliance trends

Learn how recent CFPB rules and EU crypto legislation could impact your compliance programs in the short- and long-term future. Read Alloy’s mid-year check in on compliance trends.

The State of Compliance Benchmark Report

Looking at compliance trends in 2023 and making predictions for 2024

Read the report

How AI is transforming fraud prevention

Many banks and fintechs are turning to AI as their choice tool to combat the widespread rise in fraud. Meanwhile, fraudsters are leveraging AI to outsmart banks and fintechs. We take a look at the new double-edged sword in fraud-fighting.

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.

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.

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

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

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.

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.

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.

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.

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.

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.

How banks and fintechs can prepare for more fraud amid Silicon Valley Bank shutdown

In response to SVB’s shutdown, many businesses are now opening new bank accounts and moving their money into them. As a result, you should expect to see a spike in new business account applications. Here's how to ensure your business onboarding processes are set up to detect and prevent new business account fraud.

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.

How banks are keeping pace with fintech

Alloy Co-founder & President Laura Spiekerman sits down with Hank Word, President of Open Banking at Evolve Bank & Trust, to discuss the future of bank/fintech partnerships.

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.

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.

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.

Fintech leaders share compliance, fraud concerns heading into 2023

A lot changed in fintech over the past year. 2021 was the year of the fintech founder. We saw epic funding rounds, huge valuations, and a number of lucrative exits. A year later, the market has shifted dramatically, priorities have changed, and fintech leaders are adapting to the new normal. Alloy and Gartner Peer Insights surveyed 100 fintech leaders to find out how the macroeconomic environment is affecting them.

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