DEVICE & BEHAVIORAL INTELLIGENCE

Device and behavioral intelligence that stops sophisticated fraud before it starts.

Protect your customers with military-grade device intelligence and behavioral analysis that catches what others miss.

Get a Demo

DEVICE & BEHAVIORAL INTELLIGENCE

Device and behavioral intelligence that stops sophisticated fraud before it starts.

Protect your customers with military-grade device intelligence and behavioral analysis that catches what others miss.

Get a Demo

DEVICE & BEHAVIORAL INTELLIGENCE

Device and behavioral intelligence that stops sophisticated fraud before it starts.

Protect your customers with military-grade device intelligence and behavioral analysis that catches what others miss.

Get a Demo

DEVICE & BEHAVIORAL INTELLIGENCE

Device and behavioral intelligence that stops sophisticated fraud before it starts.

Protect your customers with military-grade device intelligence and behavioral analysis that catches what others miss.

Get a Demo

Trusted by institutions building next-gen finance

Yesterday’s security wasn’t built for today’s sophisticated threats. Identity spoofing, behavior mimicking, and malicious Generative AI techniques are on the rise. So we built Cognitive Identity Intelligence to keep you ahead of the curve.

Empower your risk teams to operate autonomously, increase approval rates, reduce fraud rates, and stay compliant. Leverage one-click integrations, an intuitive natural language interface, and Oscilar AI.

Benefits

A new security-first approach to stop fraud.

Oscilar's first-of-its-kind cognitive identity intelligence is built to stay one step ahead of bad actors in the age of AI.

Benefits

A new security-first approach to stop fraud.

Oscilar's first-of-its-kind cognitive identity intelligence is built to stay one step ahead of bad actors in the age of AI.

Real-Time Intelligence

Process thousands of signals in milliseconds to stop fraud without adding friction.

Real-Time Intelligence

Process thousands of signals in milliseconds to stop fraud without adding friction.

Security-First Architecture

Built with military-grade encryption and dynamic security patterns that make reverse engineering impossible.

Security-First Architecture

Built with military-grade encryption and dynamic security patterns that make reverse engineering impossible.

Contextual Cognitive Signatures

Thousands of digital markers across device, network, behavioral dimensions that protect against sophisticated AI-powered attacks.

Contextual Cognitive Signatures

Thousands of digital markers across device, network, behavioral dimensions that protect against sophisticated AI-powered attacks.

end-to-end defense

Stop fraudsters at every touchpoint of the user journey.

Invisible protection from sign-up to checkout that follows your users' journey, catching fraud and scams while keeping checkout frictionless.

end-to-end defense

Stop fraudsters at every touchpoint of the user journey.

Invisible protection from sign-up to checkout that follows your users' journey, catching fraud and scams while keeping checkout frictionless.

Account Creation

Block synthetic identities

Detect emulators and virtual machines

Stop automated account creation

Authentication

Payments

Fund Movement

Account Creation

Block synthetic identities

Detect emulators and virtual machines

Stop automated account creation

Authentication

Payments

Fund Movement

Account Creation

Block synthetic identities

Detect emulators and virtual machines

Stop automated account creation

Authentication

Payments

Fund Movement

Use Cases

Stop complex fraud patterns across many dimensions.

Oscilar's Cognitive Identity Intelligence Platform is already protecting some of the most sophisticated digital businesses across a range of areas.

Use Cases

Stop complex fraud patterns across many dimensions.

Oscilar's Cognitive Identity Intelligence Platform is already protecting some of the most sophisticated digital businesses across a range of areas.

Get a Demo

→

Bot Prevention and Management
KYC
Account Takeover
Account Sharing
Payment Fraud
AML
API Defense
Compute Abuse
New Account Security
Account Sharing

"At Happy Money, protecting applicants from fraud while maintaining a simple, transparent experience for our more than 300,000 members is essential to our mission of empowering people to achieve their goals through responsible lending. Oscilar's Cognitive Identity Intelligence Platform helps us achieve this balance. Their advanced security-aware SDK passively monitors thousands of cognitive signatures to detect suspicious patterns during loan applications and account management, without adding unnecessary friction. By catching sophisticated synthetic identities and fraud attempts without impacting legitimate applicants, Oscilar helps us maintain trust and safeguard the capital we lend to support stronger, financially healthy futures."

Angela Kernell

Manager, Fraud Operations

Angela Kernell

Manager, Fraud Operations

impact

Improve your user’s experience, and your bottom line.

Stop losing genuine customers to overly aggressive fraud prevention. Oscilar’s Cognitive Identity Intelligence Platform works silently in the background, analyzing thousands of behavioral signals to recognize trusted users instantly while maintaining strong security against real threats.

impact

Improve your user’s experience, and your bottom line.

Reduce Cart Abandonment

Dynamic risk scoring eliminates unnecessary verification steps at checkout, reducing cart abandonment. Let good customers complete purchases instantly while maintaining protection against fraudulent transactions.

Enable Instant Access

Automatically recognize and fast-track trusted users and devices. Remove friction for legitimate customers by eliminating unnecessary security challenges while maintaining strong protection where it matters.

Reward Customer Loyalty

Build customer trust by offering higher limits and instant approvals to proven users. Our intelligent system learns customer patterns over time, enabling you to provide VIP experiences without compromising security.

BankCo

Login

[email protected]

•••••••••••••••

Continue

Forgot your password? Reset

Proxy IP

Distant time zone

Emulated device

Approve

Decision

Allow + continue monitoring

Decision

Step-up Login (MFA)

High Risk

Decision

Reset password + text customer

Decline

BankCo

Login

[email protected]

•••••••••••••••

Continue

Forgot your password? Reset

Proxy IP

Distant time zone

Emulated device

Approve

High Risk

Decline

Decision

Allow + continue monitoring

Decision

Step-up Login (MFA)

Decision

Reset password + text customer

BankCo

Login

[email protected]

•••••••••••••••

Continue

Forgot your password? Reset

Proxy IP

Distant time zone

Emulated device

Approve

High Risk

Decline

Decision

Allow + continue monitoring

Decision

Step-up Login (MFA)

Decision

Reset password + text customer

Implementation

Get started in minutes: enterprise security made simple.

Deploy enterprise-grade fraud prevention in days, not months. Our lightweight SDK requires just one line of code to get started, with pre-built connectors and flexible APIs that adapt to your needs. Most clients begin seeing actionable insights within hours of deployment, backed by 24/7 expert support and continuous optimization.

Implementation

Get started in minutes: enterprise security made simple.

Reduce Cart Abandonment

One-line SDK integration for web and mobile applications

Cloud-native architecture that works with your existing infrastructure

Pre-built platform connectors for major fraud prevention platforms

Flexible APIs for seamless implementation

One-line SDK integration for web and mobile applications

Cloud-native architecture that works with your existing infrastructure

Pre-built platform connectors for major fraud prevention platforms

Flexible APIs for seamless implementation

Immediate Impact

Same-day actionable insights

Real-time protection against current and emerging threats

Continuous learning tailored to your user patterns and attack vectors

Progressive enhancement of security measures based on risk profile

Same-day actionable insights

Real-time protection against current and emerging threats

Continuous learning tailored to your user patterns and attack vectors

Progressive enhancement of security measures based on risk profile

Expert Support

Dedicated implementation team

24/7 technical assistance

Threat intelligence updates

Optimization consulting

Dedicated implementation team

24/7 technical assistance

Threat intelligence updates

Optimization consulting

FAQ

Glad you asked.

What is device and behavioral intelligence?

Device and behavioral intelligence assesses both the environment a session comes from and how the user interacts within it. It combines device, browser, network, session, and behavioral signals to identify inconsistencies, automation, or changes from expected patterns, giving risk teams more context than a password, identity check, or device fingerprint alone.

How is device intelligence different from device fingerprinting?

Device fingerprinting primarily tries to recognize a browser or device from a set of attributes. Device intelligence adds context: whether those attributes are internally consistent, manipulated, automated, newly assembled, linked to risky activity, or changing over time. The goal is not merely to recognize a device, but to judge whether the device can be trusted in this session.

How is behavioral intelligence different from behavioral biometrics?

Behavioral biometrics usually focuses on whether interaction patterns resemble a known user. Behavioral intelligence is broader: it can also assess whether activity appears human, scripted, coached, remote-controlled, unusually fast, or inconsistent with the journey. In fraud prevention, both can help, but the broader context determines whether an anomaly should trigger friction or investigation.

Why should financial institutions combine device and behavioral signals?

Device signals describe the environment; behavioral signals describe what happens inside it. Either layer can look normal on its own. Combining them helps expose contradictions—for example, a familiar-looking device with scripted input, or natural interaction from a heavily manipulated environment—while allowing benign anomalies to be evaluated in context instead of blocked automatically.

What types of fraud can device and behavioral intelligence help detect?

Device and behavioral intelligence can support detection of account takeover, automated account creation, synthetic or stolen-identity applications, bot and emulator activity, payment abuse, account sharing, remote-access scams, and linked fraud networks. Effectiveness depends on where signals are collected, the available history, and how scores are combined with identity, transaction, and customer context.

Does device and behavioral intelligence add friction for legitimate users?

he collection itself can run passively in the background, so it does not need to interrupt the customer journey. Friction comes from the policy applied to the result. A well-designed implementation uses device and behavior risk to reserve step-up authentication or manual review for higher-risk sessions instead of challenging every user equally.

What data does device and behavioral intelligence collect, and does it require PII?

A device and behavioral system should collect only the telemetry needed to assess risk, such as device properties, network context, interaction timing, and session patterns. It should not require arbitrary personal data or the contents of sensitive fields. Buyers should still review the vendor’s exact collection, retention, regional processing, and identifier practices during security and privacy diligence.

How quickly are device and behavioral risk signals available?

Device and behavioral telemetry is generally collected asynchronously while the user moves through a session. The risk system is then queried near a sensitive decision point, such as login, account change, or payment. Calling too early can return incomplete context, so teams should test the timing and latency of the full workflow, not only the scoring endpoint.

What outputs should a device and behavioral intelligence platform provide?

At minimum, the platform should return a risk assessment, clear reason codes, and enough device, network, behavioral, and session context to explain the result. Mature teams may also need raw or derived attributes for rules and models, stable identifiers for linkage, and a way for investigators to review the evidence behind a decision.

Can device and behavioral intelligence augment an existing fraud stack?

Yes. Device and behavioral intelligence can be deployed as an additional signal layer that feeds an existing rules engine, orchestration platform, model, or case workflow. That lets a team test incremental detection value before changing the broader stack. The key diligence question is whether the vendor exposes usable signals and reason codes rather than forcing a closed decision flow.

See Oscilar in action.

Schedule a demo

→