Content Library

Glossary of financial fraud terms

How do you define “fraudster”? From ATO to wire fraud, Alloy’s ongoing list of financial fraud types and definitions keeps you in the know.

What is credit underwriting? A guide

Credit underwriting is a tedious process. Amidst changing market demands and increasing customer expectations, Alloy helps you reimagine it.

#Credit Underwriting

Navigating risk and opportunity with alternative data

Alloy and Equifax team up to explore the benefits of alternative data.

What is an identity and fraud prevention platform?

An identity and fraud prevention platform is an end-to-end platform for managing fraud, credit, and compliance risk, providing the clearest picture of customers throughout the entire customer lifecycle.

Bust-out fraud: How it works and how to stop it

Learn which factors lead to bust-out fraud, and how to stop it. Protect your bank, fintech, or credit union from this sudden financial threat.

A closer look at 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.

Journeys are the future: Alloy’s Journeys enables multi-step application flows

Alloy's Product Director, Grace Liu, takes you through the thought process and development of one of our most exciting software features: Journeys.

How to build your digital banking strategy

This guide will take you through the things you should consider to create a digital strategy you can bank on.

Earnest increases automated approval rate by 56% with Alloy

Alloy helps Earnest optimize customer onboarding and underwriting to boost conversion rates

Risky Business: Navan’s Rajat Bhatia on managing risk at a fast-growing organization

We interview Navan's Head of Risk Management, Rajat Bhatia about the biggest misconceptions about what it means to manage risk at a fast-growing organization.

Remarket personalized credit offerings to strengthen customer retention

Take a dynamic approach to customer retention. With Alloy Ongoing Monitoring, you can remarket to your existing customers and extend highly personalized credit offerings.

Alloy's credit risk management best practices to navigate financial volatility

Explore Alloy's best practices for credit risk management to adeptly navigate through economic uncertainties, mitigate risks, and ensure financial resilience.

How to address the challenges of consumer and commercial credit underwriting

Banks and fintechs must move faster and meet diverse borrowers' needs, but complex credit underwriting workflows present significant challenges. An Identity Risk Solution can help.

How to automate your digital identity verification

Digital ID verification is central to seamless onboarding processes and fraud prevention. Learn how Alloy can improve the identity verification process.

What are the different types of credit risk?

Banks and fintechs need faster loan origination processes, but different types of credit risk complicate underwriting workflows and create more complexity. An Identity Risk Solution can help.

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.

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?

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.

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.

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