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apidays LIVE JAKARTA - Deliver A Dynamic & Secured Buying Experience by Shara Karasic & Snehashis Khan

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apidays LIVE JAKARTA - Connecting the Digital Stack
Deliver A Dynamic & Secured Buying Experience
Shara Karasic, Product Manager & Snehashis Khan, Head of Data Partnerships, APAC & ME at TeleSign

Publicada em: Tecnologia
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apidays LIVE JAKARTA - Deliver A Dynamic & Secured Buying Experience by Shara Karasic & Snehashis Khan

  1. 1. Digital Identity Solutions www.telesign.com
  2. 2. © 2020 TeleSign 2 Selamat datang kepada anda sekalian di API Days: Jakarta. Perkenalkan saya Shara Karasic, Manajer Produk, Voice API di TeleSign dan ini adalah Snehashis Khan, Kepala Data Partnerships APAC. Kami senang mendapat kesempatan berbicara dengan anda sekalian mengenai bagaimana sebuah usaha dapat menggunakan TeleSign API untuk: • Meningkatkan pengalaman pelanggan • Mendorong pemakaian digital • Mencegah penipuan digital Dan berharap ketika Covid sudah terlewati kami bisa datang ke Indonesia dan bertemu langsung dengan anda sekalian! Selamat Datang Shara Karasic Product Manager Snehashis Khan Head Data Partnerships - APAC & MENA
  3. 3. © 2020 TeleSign 3 E-Commerce in South East Asia Delivering a Dynamic & Secure Buying Experience USD 25 Bn+ SEA e-Commerce Market USD 260 Mn+ Annual loss due to online fraud 57% Increase in e-commerce usage, post Covid 12x Times more likely fraud orders 20%+ Consumers victim of online fraud
  4. 4. E-Commerce in Indonesia Average Spend/Consumer Preferred way to e-shop Preferred payment method © 2020 TeleSign 4 Source : JP Morgan 2020 Payment Trends – Global Insights Report Source : JP Morgan 2020 Payment Trends – Global Insights Report Source : JP Morgan 2020 Payment Trends – Global Insights Report Popular frauds: • First party • Account takeover • Chargeback Growing fraud driven by: • Stolen identity • Promotion misuse • Malicious users Growth in e-commerce driven by: • Rising internet user population • Youth, first timers • Deals
  5. 5. Promotion Abuse Individual unduly benefits from a coupon several times. Fraudster generates false activity to receive commissions from an affiliate program. Affiliate Fraud Reshipping Fraud Fraudster recruits a person to package and reship merchandise purchased with stolen credit cards. Account Takeover Fraudster is using another person’s account information to obtain products and services. Identify Theft Fraudster buys or steals sensitive personal information to buy goods. Friendly Fraud Merchant receives a chargeback because the cardholder denied receiving the order, yet the goods were actually received. Fraudsters… • Get New Phone Numbers • Mask Bots or VOIPS as genuine mobile numbers • Impersonate SIMs of unsuspecting users • Stolen Credentials • And there are also… © 2020 TeleSign Genuine users WITH intent to fraud
  6. 6. How Does TeleSign Help © 2020 TeleSign 6 Account Opening/New User Registration Payment Fraud Account Takeover E-Comm / E-Tailer Y Y Y Banks / Fintech Y Y Y Shared Service Y N Y Benefits on Each Case Identify a fraudster early in the journey Prevent chargeback, consumer security Prevent misuse on account of stolen identity Account Opening / New User Registration : Checking for Phone number status at the point of form submission prior to approval Payment Fraud : Checking for Phone number status (SIM SWAP) prior to a money transfer or at “checkout” on an e-commerce portal Account Take Over : Checking for Phone number status at the time of user login
  7. 7. Who We Are Our platform connects and protects online experiences with sophisticated customer identity and engagement solutions. Through APIs that deliver user verification, data insights, and communications, we solve today’s unique customer challenges by bridging your business to the complex world of global telecommunications. Bridging your business to the complex world of global telecommunications
  8. 8. © 2020 TeleSign 8 Protecting 21 out of 25 of The World’s Largest Web Properties 2FA Pioneer 17 Patents Granted 2005 + Communications Services Leading CPaaSProvider 2016+ Phone Data Intelligence Gartner Magic Quadrant Authentication Leader 2010 + BICS acquires TeleSign End-to-End CommunicationsPlatform 700+ direct connections to carriers Expanded data reservoir 2017 & beyond
  9. 9. Authentication, Verification and Fraud Management Our Services © 2020 TeleSign 9 Score Delivers reputation scoring to assess fraud risk based on phone number intelligence, traffic patterns, machine learning and a global data consortium PhoneID Answer critical questions about users by using their phone numbers to get actionable data intelligence about their device, contact information, and more SMS Send SMS-based alerts, reminders, notifications, one-time passcodes and private, two-way communications to your users. Voice Deliver the highest-quality call experiences through the one platform offering optimal pricing over the best network in the world
  10. 10. Voice Verify © 2020 TeleSign 10 Delivers patented phone-based verification and two-factor authentication using a one-time passcode sent over voice message Voice Verify is used globally to authenticate users, user-friendly experience, transcends language barriers Verifies users and transactions in real- time, anywhere in the world using out-of- band voice messaging Prevents voice-based passcode messages from being sent to an answering machine Perform fraud risk assessments before sending voice messages to identify and block high-risk users Automated traffic monitoring, which helps protect businesses from International Revenue Share Fraud (IRSF) attacks
  11. 11. The Mobile Identity Solutions Score Delivers reputation scoring based on phone number intelligence, traffic patterns, machine learning and a global data consortium PhoneID Detailed and actionable global phone number and subscriber data attributes to strengthen authentications, evaluate fraud risks, and enhance the user experience Phone Number Traffic Patterns & Usage Velocity Phone Type, Telecom Carrier, Account and Device ID Customized Machine Learning Models VoIP Detection Subscriber’s contact details Status of Phone and Updates History of Fraud – Global Data Consortium Knowledge Engineering Customer Provided Data Inputs: IP Address, Email Address, Account ID, Device ID, etc. Global Phone Number Intelligence
  12. 12. © 2020 TeleSign 12 300 Regular Activity Low Range Activity Seen in the Last 15 Days High Number of Successful Calls High Number of Successful Calls Moderate Long-term Activity 925 High-risk Irregular Activity High Short- Term Range Activity Call Center Like Activity High Short- Term Activity Low Number of Completed Calls Tollfree Number Category IP A2P P2 P P2 P P2P Category Number Type A2P P2 P P2P P2P Behavior-Based Classification Good User Risky User
  13. 13. © 2020 TeleSign 13 Illustration of Use CaseNew User Registration / Account Opening Validation of Mobile Number Check for Number Type – Prepaid/Postpaid & Age on Network Check for Mobile Number Status, Deactivation History Risk Score OTP (SMS / Voice) Check for Name & Address Match Score Customer Risk Classification (Done by Client based on information received) Enters Name, Mobile Number, Address Validation of Name & Address Subscriber Verification Customer Registers on an e- Comm site Registration complete
  14. 14. © 2020 TeleSign 14 Illustration of Use CaseNew User Registration / Account Opening Validation of Customer Check for Mobile Number Status, Deactivation History Risk Score Check for SIM SWAP in last 24 hours Logs into Portal (eComm) Validation of Transaction Transaction Risk Classification (Done by Client based on information received) Online Transaction Approve / Reject / Flag
  15. 15. Social Movie Ticketing App Backed by Disney, Lionsgate, Twentienth Century Fox Film, and Fidelity Management and Research Company Problem Atom Tickets began experiencing an increase in fake accounts along with spikes in customer acquisition costs due to coupon abuse fraud, where bad actors attempt to take advantage of promotions by creating new accounts each time, they want to benefit from offers. Action Atom Tickets needed to implement a better and more secure account registration process, proactively identify legitimate users with minimal friction, and prevent duplicate and fake accounts to deter coupon abuses and misuse. Outcome Atom Tickets implemented TeleSign Score to use data intelligence to decide whether to allow, flag, or block a user-- keeping bad actors out. Reduced coupon abuse by 80% and lowered customer acquisition costs Activated an account registration process that identifies legitimate users without additional friction Easy implementation and best practices guidance for an enhanced user experience
  16. 16. Mobility & Marketplace 89% fraud registrations stopped Online Multi Utility Company 70% fraud registrations stopped Credit Risk Company Online Marketplace 55% Reduction in fraud chargebacks Mobility Company 45% Reduction in fraud rides Leading Software Company 104 million blocked user recommendations in 1 year Mobile Wallet Company Reduced 52% fraud transactions 21 Million fraud transactions stopped in 1 year Leading Buy Now Pay Later Provider 200K-300K USD of bad loans prevented monthly Credit Risk Platform Provider Successfully utilizing Score & PhoneID solutions to build credit risk models Leading Gaming Provider 7% of all Phone Verification were identified to be high risk & blocked Customer Success Stories Worldwide © 2020 TeleSign 16
  17. 17. Thank you! www.telesign.com @TeleSign

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