Products
© Fiskil 2026. All rights reserved.
Lending
Fraud Detection
Loan application fraud costs Australian lenders billions annually. Fiskil detects fraud by analyzing real banking behavior patterns that fraudsters cannot fake.
Fraudsters forge documents, use synthetic identities, and manipulate data to obtain loans they never intend to repay.
Forged payslips and bank statements appear legitimate
Synthetic identities pass basic verification checks
First-party fraud through inflated income claims
Mule accounts used to hide true identity
Manual fraud review is slow and misses sophisticated fraud
Analyze authentic banking data to detect fraud patterns that cannot be forged, including manufactured income, suspicious activity, and mule account behavior.
Identify suspicious deposits that appear designed to inflate income (round numbers, unusual timing).
Detect abnormal account behavior indicative of mule accounts or synthetic identities.
Confirm account holder details match application information.
Machine learning models trained on fraud patterns flag suspicious applications.
Add banking data fraud screening to your loan approval process.
Applicant connects bank account through CDR consent (fraudsters often refuse).
API analyzes transaction patterns, account age, behavior, and income sources.
Get fraud risk score with specific flags indicating detected suspicious patterns.
Decline high-risk applications or route to manual review based on fraud score.
New accounts with minimal transaction history and unusual patterns indicate synthetic identities.
Detect round-number deposits, unusual deposit sources, and timing that suggests manufactured income.
Identify accounts exhibiting mule behavior (rapid fund movement, unusual transaction patterns).
Flag newly opened accounts used specifically for loan applications.
Compare account holder name, address, and details against application data.
Machine learning detects abnormal patterns invisible to manual review.
A digital lender implements banking fraud detection to combat first-party fraud.
Result: Detected $4.2M in fraudulent applications in first year, with 8% fraud detection rate.
A car lender uses fraud detection to verify income and identity before approving loans.
Result: Reduced fraud losses by 65% and recovered $850k in prevented fraudulent loans.
A BNPL service screens applications for mule accounts and synthetic identities.
Result: Blocked 12% of applications as fraudulent, preventing $2.1M in losses.
POST /fraud-detection/analyzeGET /accounts/{accountId}/fraud-riskPOST /fraud-detection/reportGET /fraud-detection/{analysisId}Fraud risk score
Fraud indicators
Account age
Behavioral anomalies
Income authenticity score
Identity mismatch flags
OAuth 2.0 / CDR consent
Yes
No - banking data comes directly from the bank through CDR authentication, making it impossible to forge.
Manufactured income, mule accounts, synthetic identities, account age fraud, identity mismatches, and behavioral anomalies.
Models achieve 90%+ accuracy in fraud detection with low false positive rates (under 5%).
You receive a fraud risk score and specific flags, allowing you to decline or route to enhanced verification.
Yes, analyzing real transaction patterns detects income inflation and expense understatement common in first-party fraud.
Yes, all fraud detection is performed with explicit CDR consent and data is handled securely.
Machine learning models are trained on millions of legitimate transactions to minimize false fraud flags.
Lending
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Fintech
Verify bank account ownership instantly with real banking data. Eliminate micro-deposits and fraud with instant account verification across 100+ Australian banks.
Insurance
Improve insurance underwriting with financial behavior analysis. Assess risk more accurately using banking transaction patterns and financial stability indicators.
Join hundreds of companies using Fiskil to power their lending applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.