Fraud rings don’t attack one account — they script attacks across thousands. See it happening in time to stop it.
The Challenge
Bad actors source personally identifiable information that includes a mobile phone number, along with a list of passwords and the websites where those passwords are registered. With this highly personal information in hand, they script attacks to hack into as many banking, e-commerce, and other accounts belonging to the same consumer as possible.
Often, businesses have no real-time visibility into these fraudulent attempts and can’t take preventive action in time — unintentionally allowing bad actors access to consumer accounts, resulting in financial harm to the consumer and reputational harm to the business.
How Zumigo Solves It
Zumigo leverages intelligence gathered from mobile phone activity across a network of businesses — including banks, fintechs, neobanks, insurers, online merchants, and retailers — to determine the risk of fraud. With trust scores based on analyzing a variety of real-time factors, businesses can pre-emptively prevent ATOs and PII harvesting, including:
- Risk signals associated with the mobile phone, including SIM swaps, porting, call forwarding, and deactivation
- IP-based location intelligence for detecting anomalous access patterns and high-risk geographies
- Email trust scoring that leverages domain risk (reputation, authenticity, country, type) and email details (tenure, frequency, social media association, prior fraud reports)
- Push or batch alerts delivered at pre-configured time intervals for monitored phone numbers, so businesses can act proactively rather than after the fact
How It Works
- Phone numbers and identities across the enrolled customer base are continuously monitored for risk-relevant status changes.
- Zumigo’s Digital Identity Intelligence Network cross-references activity across its business network to identify patterns consistent with a coordinated attack.
- When a risk-relevant event occurs (SIM swap, porting, deactivation, anomalous location), an alert is pushed or included in the next batch delivery at the configured interval.
- The business acts on the alert — locking the account, requiring step-up authentication, or flagging it for review — before the attacker can complete the takeover.
Related Products
- Assure Insights: The core product delivering trust scores, risk signals, and push/batch alerts for monitored phone numbers.
- Digital Identity Intelligence Network: The underlying network of carrier integrations and cross-business intelligence that powers the risk scoring.
- Assure Authentication: Acts on the alert by stepping up authentication for a specific account or session.
Why Zumigo
- Get visibility into fraud attempts that would otherwise be invisible until the damage is done
- Detect coordinated, scripted attacks across your customer base — not just one account at a time
- Receive proactive alerts at configured intervals, rather than discovering fraud only after a chargeback or complaint
- Draw on intelligence from a network of banks, fintechs, insurers, and retailers, not just your own transaction history
FAQ
What kinds of risk signals does Zumigo monitor?
Zumigo monitors mobile phone risk signals such as SIM swaps, number porting, call forwarding, and deactivation, along with IP-based location intelligence and email trust indicators.
How is this different from a one-time verification check?
A one-time check only reflects risk at a single moment, such as onboarding. Continuous monitoring tracks status changes on enrolled phone numbers over the life of the account, catching new risk (like a SIM swap) that emerges after onboarding is complete.
What is the Digital Identity Intelligence Network?
It’s Zumigo’s proprietary network that aggregates real-time signals across integrated mobile carriers and a network of participating businesses (banks, fintechs, insurers, retailers) to assess identity risk more holistically than any single business’s data alone could support.
How quickly are businesses alerted to a risk event?
Alerts can be delivered via push notification or included in scheduled batch deliveries, at intervals the business configures — allowing action before an attacker completes an account takeover.