Risk intelligence,
decoded.
Risk intelligence,
decoded.
Risk intelligence,
decoded.
Risk intelligence,
decoded.
Risk intelligence,
decoded.
Make intelligent risk decisions faster. Oscilar is your team’s unified solution for fraud defense, credit underwriting, onboarding risk, and AML compliance.


Trusted by leading
banks and fintechs
->
Trusted by leading
banks and fintechs
->
Trusted by leading
banks and fintechs
->
Trusted by leading banks and fintechs
use cases
End-to-end risk management.
Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.
use cases
End-to-end risk management.
Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.
use cases
End-to-end risk management.
Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.
use cases
End-to-end risk management.
Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.
01
Make faster, smarter and safer onboarding decisions.
Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.
Explore onboarding for:

02
03
04
01
Make faster, smarter and safer onboarding decisions.
Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.
Explore
onboarding for:

02
03
04
Make faster, smarter and safer onboarding decisions.
Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.
Explore onboarding for:

Make faster, smarter and safer onboarding decisions.
Bring on more of the right customers with confidence. Increase your approval rates while simultaneously reducing false positives, user experience friction, and fraud.
Explore onboarding for:

Oscilar ai
Powerful Agentic AI.
Empower your team to work smarter. Oscilar’s agentic AI provides smart recommendations, summaries, and workflow support—while your experts remain in full control to ensure regulatory compliance and fair outcomes.
Communicate with Oscilar AI using natural language
Create, edit, and test workflows with confidence
Get recommendations to optimize your rules and workflows
Verify AI recommendations before moving to production
Communicate with Oscilar AI using natural language
Create, edit, and test workflows with confidence
Get recommendations to optimize your rules and workflows
Verify AI recommendations before moving to production
Communicate with Oscilar AI using natural language
Create, edit, and test workflows with confidence
Get recommendations to optimize your rules and workflows
Verify AI recommendations before moving to production
Communicate with Oscilar AI using natural language
Create, edit, and test workflows with confidence
Get recommendations to optimize your rules and workflows
Verify AI recommendations before moving to production
Meet Your Agents
↘

Payment Fraud Agent
Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent

First Party Fraud Agent

Identity Verification Agent

Account Opening Fraud Agent

Network Intelligence Agent

Dispute Management Agent

Behavioral Analysis Agent

Credit Underwriting Collections Agent

Scam Detection Agent

Payment Fraud Agent
Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent

First Party Fraud Agent

Identity Verification Agent

Account Opening Fraud Agent

Network Intelligence Agent

Dispute Management Agent

Behavioral Analysis Agent

Credit Underwriting Collections Agent

Scam Detection Agent

Payment Fraud Agent
Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent

First Party Fraud Agent

Identity Verification Agent

Account Opening Fraud Agent

Network Intelligence Agent

Dispute Management Agent

Behavioral Analysis Agent

Credit Underwriting Collections Agent

Scam Detection Agent

Payment Fraud Agent
Dynamically updates transaction risk scores in real time, with major threshold modifications subject to governance and compliance approvals for full operational control.

Account Takeover Agent

First Party Fraud Agent

Identity Verification Agent

Account Opening Fraud Agent

Network Intelligence Agent

Dispute Management Agent

Behavioral Analysis Agent

Credit Underwriting Collections Agent

Scam Detection Agent

THE OSCILAR PLATFORM
Risk ops, unified.
Monitor the entire customer journey in one place—from login to payments to compliance, and everything in between.
THE OSCILAR PLATFORM
30B+
DECISIONS PROCESSED PER YEAR
1000
REQUESTS PER SECOND
<100ms
LATENCY
Truly AI-Native Risk Decisioning
Manage risk in the era of AI with the only platform built from the ground up to stay ahead of emerging threats.

Agentic AI that supports your team
Our AI agents work quietly behind the scenes, continuously unifying risk data, refining assessments in real time, and providing actionable insights—all under human-guided governance to ensure fair, compliant decisions and seamless journeys for legitimate customers.
Comprehensive analytics
Comprehensive analytics
Comprehensive analytics
Comprehensive analytics
Proactive detection capabilities
Proactive detection capabilities
Proactive detection capabilities
Proactive detection capabilities
Explainable decisions & full auditability
Explainable decisions & full auditability
Explainable decisions & full auditability
Explainable decisions & full auditability

Smarter AI models that improve detection
Deploy purpose-built models designed for specific risk scenarios out of the box, and combine them with adaptive models to detect and prioritize threats across a wide range of dimensions.
Plug-and-play ML models
Plug-and-play ML models
Plug-and-play ML models
Plug-and-play ML models
Continuous model monitoring
Continuous model monitoring
Continuous model monitoring
Continuous model monitoring
Integrate your own custom models
Integrate your own custom models
Integrate your own custom models
Integrate your own custom models

An AI co-pilot that keeps you in control
Let Oscilar AI help build your workflows and keep your risk experts in the loop. Easily create or modify workflows, and automatically backtest with historical data to verify efficacy before deployment.
Reduce manual work
Reduce manual work
Reduce manual work
Reduce manual work
Ask questions in natural language
Ask questions in natural language
Ask questions in natural language
Ask questions in natural language
Speed up compliance and reviews
Speed up compliance and reviews
Speed up compliance and reviews
Speed up compliance and reviews
Customers
Risk teams love Oscilar.
Customers
Risk teams love Oscilar.
Customers
Risk teams love Oscilar.
Customers
Risk teams love Oscilar.




Device and behavioral intelligence
Cognitive Identity Intelligence is here.
Protect your customers from fraud at every step of their journey with next-generation device and behavioral intelligence that catches what others miss.
IDENTITY PRECISION
99.99% Accuracy
99.99% Accuracy
99.99% Accuracy
99.99% Accuracy
TAMPER PROTECTION
100%
Coverage
100%
Coverage
100%
Coverage
100%
Coverage
COGNITIVE DETECTION
1000+ Markers
Cognitive Signatures
User Intent Recognition
Decision Patterns
Cognitive Flows
Impulse vs. Deliberation
Stress Indicators
Cognitive Flows
Network Signals
IP Intelligence
Bot Activity
Location
Proxy
Tor Networks
VPN Usage
Behavior Profiling
Device Activity
Purchase Behavior
User Journey profiling
Payment Activity
Account Updates
User Signals
Behavior Biometrics
App Familiarity
Keyboard Patterns
Mouse Movements
Touch Input Patterns
Screen Utilization
Auth Method
Digital Identity
Device identity
Time Zone
Device Attributes
Environment Spoofing
User Agent
Emulated Device
Protect every touchpoint along your customer journey
Protect the entire customer journey

Onboarding
Detect unusual sign-up behavior like copying information or using emulators and scripts.

Underwriting
Make smarter credit decisioning workflows using flexible strategies with rapid deployment.

Login
Spot suspicious logins from unknown locations, devices, or using agitated typing and emulated devices.

Payment Activity
Catch high-velocity transactions, card testing, chargeback fraud, and unusual location/device activity.

Account Activity
Detect abnormal user behavior, account linking, and guided patterns.
oscilar for your industry
One platform, any application.
Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.
oscilar for your industry
One platform, any application.
Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.
oscilar for your industry
One platform, any application.
Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.
oscilar for your industry
One platform, any application.
Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.
oscilar for your industry
One platform, any application.
Address your risk needs no matter where you sit within the financial industry. Oscilar adapts to your unique business risk needs at each step of your journey.
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See Oscilar in action.
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See Oscilar in action.
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See Oscilar in action.
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See Oscilar in action.
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See Oscilar in action.
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