Consumer Bundles

This article describes the various consumer product bundles available in Alloy. Please reach out to your Narmi General Manager or Implementations Project Manager for more information. 

Socure Consumer Bundle

Data sources included:

• Iovation: FraudForce
• Ekata (WhitePages Pro)
• ID Analytics –ID Score
• Socure – Fraud + KYC + Global Watchlist Plus

LexisNexis Consumer Bundle

Data sources included:

• Iovation – FraudForce
• Ekata (WhitePages Pro)
• ID Analytics – ID Score
• Socure – Full Fraud
• LexisNexis – Consumer ID (US) KYC

Consumer Best Practices Product Selection

The mix of solutions set forth below is recommended by Alloy for optimal fraud prevention based on real fraud practices Alloy has seen industry-wide across its customer base.

1. LexisNexis Consumer Bundle
   • Iovation - FraudForce
   • Ekata (WhitePages Pro)
   • ID Analytics - ID Score
   • Socure - Full Fraud
   • LexisNexis - Consumer ID (US) KYC
2. Alloy Identity Element Velocity
   • Alloy offers the ability to decision on identity elements (for example, SSN, phone number, email, etc.) when they are seen across multiple entities. This is important to proactively prevent fraud. An example scenario would be detecting entities that share an SSN or phone number, then taking subsequent actions—such as tagging it informationally, running additional services, or determining an outcome.
   • There is no additional charge for this service
3. Vouched ID Document Scanning
   • VouchedID offers FIs the ability to require more robust identity verification requirements for their customer onboarding workflow. With VouchedID, an FI can request an applicant to scan and submit a photo of their ID. VouchedID can also prompt an applicant to take a selfie, and leverages AI technology to determine that it is a real human taking the photo. 
   • Additional information can be found in the “Vouched” section below
4. NeuroID Crowd Alert & Orchestrator 
   • NeuroID lets you see whether an applicant is interacting with your web forms the way a normal, genuine person would. This helps identify potential bot-driven fraud attacks, users operating with stolen identities, and many more cases. With NeuroID, you have the answers to questions like:
     • Is the applicant typing in their info or copying and pasting it?
     • Are they taking long pauses mid-word?
     • Are they filling the fields sequentially or out of order?
     • How long is it taking them to complete each field?
     • Are they going back and forth between the PII fields and another window?
     • Does the applicant’s behavior demonstrate that they are familiar with the data they’re providing, or does it imply they are looking it up as they go?