Real-World Zumigo Solutions in Action

Establish Trust and Prevent Fraud Across the Entire Digital Journey

Fraud doesn’t happen at one moment — it happens across the entire customer lifecycle, from the second someone creates an account to years into an established relationship. Every one of those moments is a place where a fraudster can slip in, and a place where Zumigo can stop them. Using mobile carrier data, network-based authentication, and identity signals that are far harder to fake than a password or a document, Zumigo secures onboarding, authentication, transactions, and ongoing account activity — all from a single connected platform. Explore the use case that matches where you need protection most.

Onboard and Verify

Establish trust the moment a relationship begins — and keep it compliant as it grows. This is where fraud is often cheapest to stop and most expensive to miss: a synthetic or stolen identity that gets through at sign-up can sit quietly for months before it’s used to cause real damage. The four use cases below cover the full onboarding moment — from verifying who someone really is, to speeding up the experience for legitimate applicants, to keeping that verification compliant and current over time.

Secure New Account Onboarding

Stop synthetic identity and stolen-identity fraud at sign-up by matching applicant PII against authoritative mobile carrier data — not just documents a fraudster can fabricate. Bad actors increasingly piece together complete-looking identities from breached credit card, bank, and e-commerce data, which lets them slip past document-only checks. Zumigo instead verifies the applicant’s phone, checks for recent SIM swaps or account changes, and flags mismatches in real time — all without adding friction for legitimate customers.

Auto Form-Fill & Express Mobile Checkout

Cut mobile abandonment by auto-populating verified name, address, and payment details, so applicants confirm instead of typing. Small screens and virtual keyboards are the biggest source of sign-up and checkout drop-off, and every additional field is another chance to lose a customer. Zumigo silently verifies the mobile number in the background — no OTP, no manual entry — then pulls in already-verified data directly from the carrier, turning a multi-field form into a single tap.

KYC Compliance 

Cover all three pillars of KYC — identity verification, risk profiling, and continuous monitoring — with one connected set of mobile identity signals. Rather than relying solely on document checks that can be spoofed, Zumigo validates identity against real-time carrier data, screens against sanctions and PEP lists, and keeps re-screening as accounts age. That means compliance doesn’t stop being accurate the day after onboarding.

Sanctions Screening

Screen against global sanctions, PEP, and adverse media sources in real time and on a continuous basis, with AI-assisted review that speeds up analyst decisions. Manual, periodic screening leaves gaps between checks — a customer who was clean at onboarding can quietly become a match after a list update. Zumigo closes that gap with automatic re-screening triggered by list changes, plus AI-generated summaries that turn raw matches into a clear starting point for your compliance team.

Authenticate Without Friction

Replace the two weakest links in consumer security — passwords and phishable OTPs — without slowing anyone down. Both were designed for a threat model that no longer holds: passwords get reused and breached, and OTPs can be captured in seconds by real-time phishing kits. The two use cases here show how to remove both weak points while actually making login and high-risk actions faster for the people who are supposed to be there.

Passwordless, Phishing-Resistant Login

Replace passwords and phishable OTP codes with Silent Network Authentication (SNA) and SIM-Based Authentication (SBA) — there’s no code for a fake login page to capture, across web, mobile app, call center, or checkout. Real-time phishing kits can intercept an OTP the instant a user types it, defeating two-factor authentication entirely. Because Zumigo confirms phone possession directly through the carrier network, there’s simply nothing for an attacker to steal or relay.

Enhance Authentication Security (MFA)

Confirm the phone and the person before granting a password reset or high-risk action, with account takeover risk assessed before any passcode is even issued. This closes a common gap in traditional MFA: SIM-swapped or ported numbers can still receive an OTP meant for someone else. Zumigo checks for that risk first, so a compromised device never gets handed the keys in the first place.

Detect and Stop Fraud

Catch account takeover and payment fraud using signals a criminal can’t fake — before the loss happens. Stolen credentials and stolen card numbers are cheap and widely available, which means credential-based and card-based defenses alone are no longer enough. These two use cases show how mobile identity and location signals catch what those defenses miss, whether the target is an existing account or a single transaction.

Account Takeover (ATO) Fraud Prevention

Detect SIM swap, port-out, and call-forwarding precursors to ATO — and assess risk before a one-time passcode is ever sent to a compromised device. Once inside an account, fraudsters can drain funds, harvest personal data, or redirect shipments before anyone notices. Zumigo applies the same protection consistently across web, mobile, and contact-center channels, so switching channels doesn’t give an attacker an easy way around it.

Protect Online Transactions

Reduce card-not-present chargebacks by verifying that the phone and the payment card used in a transaction actually belong to the same person, using real-time location signals. Card-not-present fraud is especially costly because there’s no physical card to inspect and no signature to check. Zumigo calculates the distance between the phone’s real network location and the merchant, billing, or shipping address — catching mismatches a stolen card number alone can’t hide.

Monitor Continuously

Fraud doesn’t stop at onboarding — neither should your visibility into risk. A customer who looked clean on day one can become a target the moment their number is SIM-swapped or their credentials show up in a breach months later. This use case extends protection across the full lifetime of the relationship, not just the moment it began.

Unified Risk Signal Monitoring

Get proactive alerts on SIM swaps, porting, and other risk-relevant status changes across your entire customer base — powered by Zumigo’s Digital Identity Intelligence Network. Fraud rings rarely attack one account at a time; they script coordinated attempts across thousands of accounts using leaked credentials. Zumigo’s network draws on activity across banks, fintechs, and retailers to catch that pattern and alert you before the damage is done — not after a chargeback or complaint.