Subscription Fraud | Fraud Management

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Subscription Fraud

Stop the use of synthetic identities as an enabler to commit several types of fraud.

Synthetic Identities are Widely Used To Commit Several Types Of Fraud

Subscription fraud involves obtaining the customer information (KYC documents) required for signing up to new telecom contracts or services with a valid authorization, but without the intention of paying for the products and services used.

Subscription fraud is also often categorized as bad debt rather than fraud. Operators globally estimate that nearly 40% of all bad debts are actually subscription fraud.

The Out-of-the-box Solution To Fight Subscription Fraud

This is the starting point for many other telecoms fraud scams and as such is recognized as the most damaging of all non-technical fraud types. Perpetrators don’t just stop with obtaining legitimate service illegitimately, they usually use it as a precursor to other types of fraud such as  Revenue Share Fraud, Bypass Fraud, etc.

The effects can be catastrophic in terms of escalating complaints, poor customer experience, dissatisfaction among support staff, and diminishing investor confidence.

See how Mobileum can help protect & grow your business

Over 750 Telecom companies, in more than 150 countries, are scaling their business with Mobileum solutions.
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Embrace The New Dynamic Digital Identity Validation

Mobileum's Subscription Fraud module integrates various authentication methods, as often the required personal identification data is not the same across a multichannel environment.

The solution provides different online identification & validation methods, including knowledge-based validation, phone authentication, address validation, one-time password use, and common usernames to enhance electronic identification and trust.
The use of these identity qualifiers also provides important information on the subscriber context, which then populates these in certain hotlists.

Recognize Customers And The Risk They Represent

Subscriber behavior is complex, as users log in from multiple devices, locations, and channels. Smart authentication relies on genuinely understanding not only the digital identity of a connecting user but their history too. By combining global shared intelligence, it is possible to streamline onboarding, prevent account takeovers and detect insider threats.

The access to content and services must meet strong authentication requirements and for this reason, the solution automatically executes due diligence machine learning algorithms that gather information on the subscriber in order to understand the risk they might represent to your organization.

Verify and confirm identity documents in near real-time (KYC)

Mobileum offers a multi-layered authentication approach for better fraud control and customer experience, through a partnership with a leading online electronic identity verification (eIDV) platform. The document verification algorithms perform checks to determine authenticity and legitimacy, as well as to ensure that a document is not forged or altered, delivering an integrated identity validation check to better manage fraud risk across the entire customer life cycle. The multi-layered, risk-based approach leverages disparate data assets, intelligent analytics, predictive decision policies, and knowledge-based authentication to protect your business and enable effective account opening, identity verification, and regulatory compliance.

Detecting subscription fraud in an African telecom operator

Discover how Mobileum and AWS joined forces to stop the usage of synthetic identities
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From Onboarding Verification To Ongoing Authentication, RAID Delivers An End-To-End Identity Verification And Authentication Solution

OnBoarding
Remove the onerous and exhaustive information forms that subscribers need to fill. Less attrition but higher qualification methods.
Verification & Authentication
Quickly identify and confirm identities to protect subscriber accounts. Validate customer identities through a friendly, non-intrusive approach.
Fraud Detection
Detect, prevent and deter fraud at every step of the process. Real-time monitoring activity while meeting compliance regulations.

Choose How You Want Your Subscription App Deployed

Adopt the RAID platform and chose the deployment option that best fits your business needs, budget, and resources. If your company still doesn’t have a full public cloud policy due to security and compliance issues, Mobileum provides an alternative in private and hybrid cloud models to deploy RAID with its prebuilt risk management modules or apps.
 
Try the cloud environment! Get access to RAID.Cloud for fraud management. Just subscribe to request a trial, load your data, and start monitoring alarms though one of our apps using the ready to go cloud-based server environment.
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RAID risk management software is easy to use and highly configurable

Schedule a meeting with us and see what RAID can do for your business.
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RAID for Fraud Management is Powered by Mobileum's Active Intelligence Big Data Analytics Platform

Case Management
Drill down on data and alerts with ad hoc analysis to find the root cause of fraud and make better decisions faster.
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Fully configurable
Use easy-to-apply configurations, workflows, and dashboards to enable simple and transparent mirroring of your required business processes. Automations and migrations let you execute this in days instead of months
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Machine Learning
React to and stop known and unknown fraud patterns in a repeatable and auditable way by combining an extensive rule's library with machine learning.
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All-In-One Software
Manage the telecom fraud management lifecycle autonomously, from data loading to mitigation actions, with Active Intelligence's complete suite of tools for fraud analysts.
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Link Analysis
Quickly uncover fraudulent activities by highlighting key individuals, connections and patterns in a uniquely visual way. Gain a deeper understanding of data within a different entity and relationship types, as well as attributes that can help uncover hidden fraud patterns.
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Big Data Analytics
Adopt stream data integration as part of your data management strategies for real-time integration and analytics. Address the problem of matching continuously income events to evolving fraud patterns with Active Intelligence's complex event processing (CEP). Accelerate fraud detection and react faster to emerging threats with real-time data stream analysis.
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Accurate And Practical Identity Evaluation Methods

The ongoing and rapid growth of online data due to the internet and the widespread use of databases has created the challenge of extracting knowledge from data based on databases, pattern recognition, machine learning, data visualization, optimization, and high-performance computing, to deliver advanced business information.

By monitoring data that has been collected over time, RAID Subscription Fraud makes processes more efficient, effective, predictable, and profitable, through the use of Knowledge Discovery, Machine Learning, and Data Mining techniques. Mobileum is able to provide accurate and practical evaluation methods and models for business decision-making such as providing access to services or content.

ML & AI The Competitive Advantage

Artificial Intelligence (AI) and Machine Learning (ML) provide the tools for anti-fraud. They enable anti-fraud teams to process vast quantities of data in near real-time and detect fraudulent patterns that can then be investigated further by a team of anti-fraud experts. This allows collaboration on training data, the creation of shared models, inference results, and the validation of those results.
Applied to real data in an automated, low latency manner, the results can affect business activities even as they are happening, offering a real competitive advantage for organizations.

If harnessed and leveraged correctly, machine learning methods can adapt to new and unidentified patterns as underlying changes occur.

Bring your own ML Models (BYOM)

The evolution of sophisticated fraudulent techniques has increased the challenges of mitigating risk issues. CSPs are now actively employing data scientists, new tools, and advanced analytical models to quickly adapt to new methods to provide proactive risk coverage. These data scientists do not want to be solely dependent on vendors’ ML models and rather want to explore new ML models designed and developed in their own ecosystem.

Mobileum embraces this requirement and has now built a new openML engine based on microservice architecture, offering pluggable ML models with extensive support to all ML frameworks. This will enable the CSPs data scientists to plug and play their own developed machine learning models based on any external library or ML frameworks. Thus, offering Telecom organizations to be future proof, as they continue to develop new models to tackle unknown risk challenges using different tools and ML approaches.
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Mobileum Risk Management Software Portfolio

Discover why Mobileum is the most trusted software vendor by Telecom companies all over the globe to manage their Revenue Assurance activities.
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Future-Proof Your Fraud Management Strategy By Adopting Machine Learning

Rule-Based Approach
An extensive rules library provides immediate fraud awareness and increased accuracy
  • Optimize rules according to your needs
  • Greater accuracy and lower error rate
  • Immediate results
AI/Machine Learning
AI and Machine learning algorithms leverage data analysis processes to detect deviations and unknown fraud patterns
  • Rapid prediction and processing analysis
  • Past customer behaviors evaluation
  • Unlimited traffic analysis
Act
Automatically block fraudsters using stolen identities to get access to service goods at omnichannel retail 
  • Real-time blocking
  • Fraud & Security contextual analysis
  • Wide range of fraud type protection

Link the physical identities with digital profiles during omnichannel provisioning

OpenID Connect is an interoperable authentication protocol based on the OAuth 2.0 family of specifications. It uses straightforward REST/JSON message flows with a design goal of “making simple things simple and complicated things possible”. It’s uniquely easy for developers to integrate, compared to any preceding Identity protocol.

During the acquisition of OTT services provided by communication service providers, our subscription fraud software, is able to perform identity validations between physical documents and social media profiles, to guarantee that access has not been compromised by stolen digital identities.

Mobileum Risk Consulting Services

All telcos can benefit from a proactive risk management strategy when rolling out new infrastructure. This means defining key risks, weighing their probability and impact on business drivers and developing your thinking on actions to take. Mobileum can support you in this.
 
Our consultancy experts can undertake risk assessments that go beyond financial and regulatory risk to consider the wider environment in which you deploy new services. Additionally, our consultancy experts can help you put in place effective monitoring and control tools that give you earlier warnings, and enable you to respond quickly and effectively.
  • Profitability and liquidity
  • Operational excellence
  • Compliance
  • Growth opportunities
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