3 countries, 2 worlds of information, 1 platform, endless possibilities

Technologie, die begeistert: Intelligente Risiko- und Betrugserkennung in Echtzeit. Für mehr Umsatz, höhere Kundenzufriedenheit und reibungslose Prozesse. Risiken, wie zum Beispiel Zahlungsausfall, lassen sich durch die Überprüfung der Identität und Kontrolle vorhandener Zahlungserfahrungen bestmöglich einschätzen. CRIF schaut weit hinter die physischen Daten einer Person und bezieht digitale Informationen, wie Nutzungsdaten, Bewegungsdaten und Verhaltensdaten, in die Betrachtung ein. Auch für B2B Online-Händler gibt es die passenden Module. Unsere Lösung HYBRIGHT bietet Ihnen eine kombinierte und umfassende Sicht auf Risiko- und Betrugsaspekte, um basierend auf Regelwerken in Kombination mit Machine Learning sowohl das klassische Risiko zu minimieren als auch frühzeitig Betrug zu verhindern. 

Als Spezialist für integriertes Identity-, Credit Risk- und Fraud-Management unterstützt CRIF sowohl B2C als auch B2B E-Commerce Unternehmen bei der Optimierung der Customer Journey im Webshop oder auch am POS sowie der kontinuierlichen Verbesserung der für sie wesentlichen KPI’s. Mit Hilfe von intelligenten Lösungen und individuell auf das Geschäftsmodell angepassten Regelwerken lässt sich der Zahlartenmix so optimieren, dass sich eine Erhöhung der Conversion Rate und Reduzierung des Zahlungsausfalls nicht ausschließen.

Why Hybright?

  • Innovative cockpit

    Innovative and intuitive cockpit with transaction and detail view

  • Dashboard

    Individually customizable KPI dashboard

  • Automatic check

    Automatic check of blocklists (blacklists)

  • Filter options

    Smart filter options

  • Related transactions

    Display of related transactions

  • Easy integration

    Simple and straightforward integration of customer data

Risk & fraud protection

Why choose one when you can have it all?!

Why is a combined view of risk and fraud aspects so important?

Risks, such as payment defaults, can be best assessed by verifying identity and checking existing payment histories.
Fraudsters often exploit good and inconspicuous identities to bypass traditional risk checks. Therefore, fraud cannot be effectively and sufficiently prevented by looking solely at physical data such as address, name, or date of birth.

CRIF looks far beyond a person’s physical data and includes digital information such as usage data, movement data, and behavioral data in its assessment.

HYBRIGHT offers you a combined and comprehensive view of risk and fraud aspects to both minimize traditional risks and prevent fraud at an early stage.

CRIF DECISION ENGINE

The best of both worlds: human & machine

Simply unique: The Decision Engine is the heart of HYBRIGHT and combines machine learning algorithms with rule-based processes in a hybrid approach. It enables precise real-time decisions while you retain full control over your key metrics and can intervene in the process at any time to adapt it to your needs.

Within just milliseconds, highly complex rules are applied, taking all available data into account. Positive and negative information from millions of transactions flows into the risk and fraud pattern recognition.

With intelligent decision logic, various risk and fraud tools can be applied using customer-specific rule sets.

USER COCKPIT

The interface adapts to you – not the other way around

The innovative and individually customizable dashboard prepares your most important key figures in real time and offers the best course of action based on data-driven insights. Monitoring transactions and fine-tuning individual rules is simple and intuitive. The transparent display of potentially fraudulent transactions allows you to handle cases quickly and cost-effectively. From automatic blacklist checks to smart filter options and integrated Google Maps search, all the way to seamless integration of your customer data — our cockpit provides you with comprehensive oversight and holistic control.

Our solution package for your individual needs

CRIF offers a comprehensive portfolio of risk analysis and fraud prevention products.

  1. CreditCheck ONE

    CreditCheck ONE checks the creditworthiness and provides a risk assessment of individuals and companies.

  2. Identity Fraud Check

    The Identity Fraud Check verifies the identity and address data of your customers.

  3. Payment Fraud Check

    The Payment Fraud Check verifies the consistency of bank data as well as IP geolocations and device irregularities.

  4. HAWKEYE

    With HAWKEYE, you always stay in control of your KPIs. Intuitively monitor transactions and define individual rules.

  5. Digital Identity Check

    The Digital Identity Check verifies your users’ devices and digital identities.

Integrated risk and fraud management

Our innovative technology integrates best practice rules, fraud pattern recognition, and artificial intelligence — ensuring early detection and prevention of risks and fraud attempts.

The Decision Engine is the heart of HYBRIGHT and combines machine learning algorithms with rule-based processes in a hybrid approach. It enables precise real-time decisions while you retain full control over your key metrics and can intervene in the process at any time to adapt it to your needs. Within just milliseconds, highly complex rules are applied, taking all available data into account.

Positive and negative information from millions of transactions flows into the risk and fraud pattern recognition. With intelligent decision logic, various risk and fraud tools can be applied using customer-specific rule sets.