01
Transaction-only blind spots
Transaction and application events can leave device-level and behavioral threat surfaces outside the decision context.
Bank-owned Fraud Prevention Operations Platform
AI-Powered Fraud Intelligence
AI-Powered Fraud Intelligence
for Trusted Digital Banking.
Extend fraud visibility beyond transactions. VMATIC Shield correlates device, application, behavioral and contextual signals to help banks detect emerging fraud, evaluate risk and act before customer harm occurs.
✓ Event-driven intelligence✓ Bank-controlled policies✓ Additive to existing FMS/CBS✓ Privacy by design
Why banks need a new intelligence layer
Traditional fraud detection can see the transaction. It may not see the threat building around it.
VMATIC Shield is designed to surface risk signals that can exist below, around and before a financial transaction.
02
Device-level threats
Malware, remote access, digital arrest and social-engineering indicators can emerge before a transaction is initiated.
03
Limited device posture
Bring device integrity, application trust, permissions and contextual signals into fraud decisioning.
04
Reactive response
Event-driven evaluation helps reduce the window between a risk event and the bank's response.
Event-driven architecture
SDK CollectsDevice, app, permission, session and contextual signals
Platform CorrelatesMulti-source intelligence is correlated into a unified risk picture
Distributed DetectionRisk models evaluate events across device and fraud scenarios
API-driven ScaleRisk intelligence is exposed to existing banking and security systems
One intelligence layer. Multiple decisions.
From device signal to fraud operation.
Shield combines device intelligence and fraud operations so banks can move from isolated events to contextual, actionable risk.
01
Collect signals
Application trust, device integrity, permissions, behavior and context.
Application trust, device integrity, permissions, behavior and context.
02
Correlate risk
Multiple independent indicators contribute to a risk score rather than a single trigger.
Multiple independent indicators contribute to a risk score rather than a single trigger.
03
Apply bank policy
Thresholds, rules and workflows reflect each institution's risk appetite.
Thresholds, rules and workflows reflect each institution's risk appetite.
04
Act and investigate
Warn, restrict, alert, case-manage or feed intelligence into existing controls.
Warn, restrict, alert, case-manage or feed intelligence into existing controls.
Fraud intelligence framework
20 intelligence capabilities designed to evolve with fraud.
VMATIC's framework combines proprietary detection models and configurable risk policies, allowing financial institutions to customize response strategies around their own risk appetite.
Device Trust & Integrity
Device security posture, integrity status and trust indicators.
Application Risk Intelligence
Installer source, authenticity, privilege and execution risk.
Digital Arrest Intelligence
Behavioral indicators linked to coercion, impersonation and customer manipulation.
Remote Session Risk
Device-control scenarios and suspicious remote interaction patterns.
Customer Behavioral Risk
Deviation analysis and suspicious device activity.
Permission & Privilege
Elevated permissions and abnormal privilege-related risk indicators.
Signal Correlation Engine
Connects independent indicators to reveal complex scenarios.
Dynamic Risk Scoring
Continuously evaluates customer, device, application and behavior intelligence.
Policy & Rule Management
Organization-specific fraud responses without application redevelopment.
Transaction Risk Decisions
Configurable thresholds, actions and adaptive controls.
Fraud Alerts & Notifications
Contextual alerts for customers, fraud teams and enterprise monitoring.
Device Reputation
Trust profiles built from historical activity and accumulated risk intelligence.
Threat Intelligence
Extensible repository for new techniques, attack vectors and patterns.
Investigation & Case Intelligence
Correlated evidence, event timelines and case support.
Operations Intelligence
Live fraud trends, risk posture, alert volumes and effectiveness.
Banking Integration
CBS, fraud management, payment, notification and security infrastructure.
Compliance & Governance
Audit logging, policy versioning, reporting and governance controls.
Platform Extensibility
Modular introduction of new use cases, rule packs and enhancements.
Continuous Threat Evolution
Ongoing incorporation of emerging fraud scenarios and behavioral models.
Operational Policy Ownership
Keep fraud strategy, thresholds and workflows under bank control.
Advanced threat detection
Detect the fraud before the transaction becomes the loss.
Digital Arrest and remote-access fraud are behavior-driven threats. Shield is designed to evaluate the surrounding device and session context before a transaction is executed.
Digital Arrest Detection
Identify prolonged video-call patterns, remote assistance indicators and suspicious device behavior associated with digital-arrest schemes.
WhatsAppGoogle MeetZoomTeamsTelegram
Remote Access & Device Control
Detect applications and device-control scenarios commonly involved in fraud incidents and incorporate them into transaction risk.
AnyDeskTeamViewerRustDeskAirDroid
Application & Malware Risk
Use application trust, installer provenance and behavioral analysis to identify suspicious or novel application risk beyond signature-only matching.
Unknown APKSideloadingOverlayAccessibilityScreen recording
Customer Coercion Context
Combine device and behavioral indicators with transaction context so fraud teams can intervene while the customer journey is still in progress.
Risk scoringWarningTransaction controlFraud alert
Multi-factor risk scoring
No single signal should tell the whole story.
Shield's scoring methodology correlates application trust, behavioral indicators, device integrity and contextual intelligence. Banks can define thresholds and workflows around their own risk posture.
0–49Allow
50–79Warning
80–99Step-up
100–149Review
150+Block
Illustrative risk composition
Application trust
Installer provenance
Installer provenance
Behavioral indicators
Permission / usage
Permission / usage
Device integrity
Hardware / OS checks
Hardware / OS checks
Contextual intelligence
Environmental / situational
Environmental / situational
Fraud operations command center
Turn detection into coordinated action.
Bring live alerts, digital-arrest incidents, high-risk customers, blocked transactions, remote-access events and risk analytics into a unified operational view.
Dashboard visual based on the supplied VMATIC Fraud Prevention Operations Platform material.
⌂
Privacy by Design
Designed for minimum-data fraud intelligence and bank-controlled deployment.
Data sovereignty
Security intelligence without taking ownership of the customer's banking credentials.
01
Minimum / Zero Data Collection
Collect only the information required for fraud risk assessment.
Collect only the information required for fraud risk assessment.
02
Zero Credential Access
No access to financial credentials, passwords, PINs or account balances.
No access to financial credentials, passwords, PINs or account balances.
03
Encrypted Communications
Encrypted data in transit with configurable collection policies.
Encrypted data in transit with configurable collection policies.
04
Bank Infrastructure Deployment
Deployment can be entirely within the bank's own infrastructure for data sovereignty.
Deployment can be entirely within the bank's own infrastructure for data sovereignty.
Integration
Complement the stack you already own.
VMATIC Shield is positioned as an additive intelligence layer—not a rip-and-replace core. Secure APIs can feed existing fraud engines, CBS, SIEM and SOC workflows.
Core Banking
Mobile Banking
Internet Banking
Fraud Management
SIEM / SOC
Notifications
Capability benchmark
Evaluate Shield by what it adds to your fraud ecosystem.
This benchmark is intentionally capability-based. It avoids claiming that another vendor cannot support a feature unless the comparison is explicitly documented.
| Capability | Traditional AV / Mobile Security | Transaction-only Fraud Controls | VMATIC Shield |
|---|---|---|---|
| Malware / application security signals | ✓ | Limited | ✓ Integrates |
| Device security monitoring | ✓ | Partial | ✓ Risk-focused |
| Digital Arrest detection | — | — | ✓ |
| Video-call / coercion context | — | — | ✓ |
| Remote-access fraud detection | Limited | Partial | ✓ |
| Multi-signal device + behavior correlation | Partial | ✓ Transaction signals | ✓ |
| Dynamic risk scoring | Partial | ✓ | ✓ |
| Bank-defined rules / workflows | Partial | ✓ | ✓ |
| Transaction hold / block decision support | — | ✓ | ✓ |
| Fraud operations dashboard | Limited | ✓ | ✓ |
| Case / investigation intelligence | — | Varies | ✓ |
| Bank-owned deployment / policy control | Varies | Varies | ✓ Designed for bank control |
Search-ready knowledge
Questions fraud, security and digital-banking teams ask.
What is VMATIC Shield?
VMATIC Shield is a bank-owned fraud prevention operations platform that extends fraud visibility beyond transactions into device, application, behavioral and contextual intelligence.
How does Shield complement an existing Fraud Management System?
Shield is designed as an additive intelligence layer. Risk intelligence can be delivered through APIs to existing fraud rule engines, CBS, SIEM and SOC workflows without requiring a rip-and-replace approach.
Can Shield detect Digital Arrest fraud?
Yes. The supplied VMATIC solution design includes detection of prolonged video-call patterns, remote assistance indicators and suspicious device behavior associated with Digital Arrest scenarios.
Does Shield inspect banking passwords or PINs?
The platform material states that it does not access financial credentials, passwords, PINs or account balances.
Can banks change fraud rules without a mobile-app release?
The VMATIC material describes server-managed rule frameworks and bank-owned policy control so new fraud typologies can be addressed through rule updates rather than an SDK release cycle.
What systems can Shield integrate with?
The documented integration architecture includes Core Banking Systems, mobile and internet banking, fraud monitoring systems, SMS, push notification and email gateways, plus secure API integration with SIEM/SOC workflows.
See the fraud intelligence layer in action.
Bring your current fraud stack, device-security controls and high-risk use cases. Evaluate where VMATIC Shield can add earlier signals, stronger context and bank-controlled response.