Device Usage
Device Fingerprint
What We Track
We recognize your phone, laptop, or tablet when you make transactions. We also understand how you use your device—your typing speed, touch patterns, and navigation style through the app.
How It Helps
If someone else gains access to your device or controls it remotely, their interaction patterns will be different from yours. We can detect when the person using your device isn't you, even if they have your password.
Location Patterns
Location Habits
What We Track
We understand where you normally make transactions—your neighborhood, workplace area, frequently visited cities. We also know if you travel regularly for work or vacation.
How It Helps
If someone tries to use your card in a completely different city or country without you traveling there, we'll notice immediately. We can tell the difference between you taking a trip and unauthorized access from a distant location.
Transaction Timing
Transaction Timing
What We Track
We learn when you typically make transactions—mornings, evenings, weekends. We know if you're a night owl or early bird, and when you usually shop or pay bills.
How It Helps
Fraudsters often act at unusual times when they think you won't notice. If a large transaction happens at 3 AM when you're normally asleep, or during work hours when you never shop, we'll flag it for review.
Spending Behavior
Spending Patterns
What We Track
We learn your typical transaction amounts—what you usually spend on groceries, restaurants, shopping, and bills. We notice patterns like higher spending near payday and lower amounts mid-month.
How It Helps
When a transaction is much higher than your normal range, we can quickly spot it and check with you. This catches fraud attempts where someone tries to max out your account with large purchases.
How Learning Signals Work
These signals continuously adapt to each user's unique behavior patterns:
- •Real-time signals adapt instantly to changes in behavior
- •Daily/Weekly signals learn patterns over short periods
- •Monthly signals understand long-term behavior trends
- •User-visible signals can be reviewed in privacy settings