So how do you strike this delicate balance? At Oneytrust, we have made this complex equation our mission.

Security: an imperative that must not sacrifice fluidity

In an environment where cyberattacks are becoming more professional, we can no longer afford to turn a blind eye. Traditional KYC (Know Your Customer) checks are no longer enough. Synthetic identities – a mix of real and fictitious data – are proliferating, fuelled by Artificial Intelligence.

Every second lost in the customer journey is a potential sale lost. And yet, security can no longer be compromised.

It is this paradox that Oneytrust’s D-Risk ID and D-Risk Commerce solutions seek to resolve.

D-Risk ID & D-Risk Commerce: trust, without compromise

D-Risk ID is an identity verification solution designed to detect fraud before it even happens. It analyses every identifier, every device and every piece of data provided.

The goal: to validate in seconds that you are dealing with a real person, not a bot or a deepfake.

Key features:

• Consistent identity analysis, not just isolated data;
• Device Intelligence: cross-referencing location, phone number, device used, etc.;
• Rapid integration.

D-Risk Commerce complements this initial verification with advanced behavioural scoring of transactions. It protects your cash flow against suspicious profiles, return abuse, unjustified refunds, and false positives.

Thanks to a rules engine coupled with machine learning, it enables:

• A smooth customer experience with frictionless journeys for reliable customers;
• Instant decisions, integrated in real time into the payment process;
• A post-transaction review of false positives, so you don’t lose any good customers.

Testimonial from Vertbaudet, which has found the right balance with Oneytrust

“With Oneytrust, we have been able to combat the fraud networks that were targeting our business, while continuing to expand internationally. Thanks to the quality of its pre-scoring recommendations, Oneytrust has enabled us to improve our frictionless rate with our customers. We really appreciate the support of the team and our partnership.”

Frédéric Marecaille, Head of Payments and Fraud

Read the full case study here and the french version here.

Our recommendations for optimising the customer experience without compromising security

Here are the best practices we recommend if you want to combine performance, fluidity and trust:

• Customise controls: activate checks only when there is real doubt, not systematically.
• Analyse identity as a whole: not just an email address or IP address.
• Automate post-transaction reviews: reduce false positives without time-consuming human intervention.
• Integrate an omnichannel view: to detect abnormal behaviour regardless of the point of contact.
• Monitor weak signals using Artificial Intelligence: this is where the most advanced fraud lies.
• Don’t overlook human expertise: because Artificial Intelligence cannot identify everything and can also be fooled.

To conclude :

Secure without slowing down. Control without burdening. Prevent without suspecting.

At Oneytrust, we help you achieve precisely this balance, with cutting-edge technologies and unique human expertise.

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