Oscilar

What is Oscilar?

Oscilar is an AI Risk Decisioning™ Platform designed to help businesses manage risks associated with onboarding, fraud, credit, and compliance. It provides a unified solution that monitors the entire customer journey, from login to payments and compliance, enabling faster, smarter, and safer decisions.

How does Oscilar work?

Oscilar employs Agentic AI to autonomously chain data-fetch, scoring, and escalation steps, providing smart recommendations, summaries, and workflow support. This empowers risk teams to work more efficiently while maintaining full control for regulatory compliance and fair outcomes.

Key Components of the Oscilar Platform:

• Agentic AI: Automates risk assessments and provides actionable insights.
• Comprehensive Analytics: Offers a unified view of risk across the entire customer journey.
• Proactive Detection Capabilities: Identifies emerging threats in real time.
• Plug-and-Play ML Models: Provides pre-built models for specific risk scenarios, combined with adaptive models.
• AI Co-pilot: Helps build workflows and keeps risk experts in the loop.

Key Features and Benefits

• End-to-End Risk Management: Monitor the entire customer journey from login to payments to compliance in one place.
• Faster and Smarter Onboarding: Increase approval rates while reducing false positives and user friction.
• Powerful Agentic AI: Automates data fetching, scoring, and escalation steps.
• Real-time Risk Scoring: Dynamically updates transaction risk scores with governance and compliance approvals.
• Comprehensive Analytics: Provides clear insights into risk factors.
• Proactive Detection: Identifies emerging threats before they impact your business.
• Explainable Decisions & Full Auditability: Ensures fair and compliant decisions.
• Customizable Workflows: Easily create or modify workflows and backtest with historical data.

Cognitive Identity Intelligence

Oscilar's Cognitive Identity Intelligence protects customers from fraud with advanced device and behavioral analysis. Key features include:

• High Accuracy: 99.99% accuracy in identity precision.
• Tamper Protection: 100% coverage against tampering.
• Cognitive Detection: Utilizes 1000+ markers and cognitive signatures.

Device and Behavioral Intelligence Capabilities:

• User Intent Recognition: Identifies decision patterns, cognitive flows, and stress indicators.
• Network Signals: Leverages IP intelligence, bot activity detection, and location analysis.
• Behavior Profiling: Analyzes device activity, purchase behavior, and user journey profiling.
• Digital Identity: Assesses device identity, time zone, and environment spoofing.

Use Cases

Oscilar supports various use cases across the customer journey:

• Onboarding: Detects unusual sign-up behavior.
• Underwriting: Improves credit decisioning workflows.
• Login: Spots suspicious logins.
• Payment Activity: Catches high-velocity transactions and card testing.
• Account Activity: Detects abnormal user behavior.

Who is Oscilar for?

Oscilar is designed for:

• Banks: Enhancing AML compliance and fraud prevention.
• FinTechs: Streamlining risk management and improving onboarding.
• Credit Unions: Protecting members from fraud and ensuring regulatory compliance.
• Sponsor Banks: Managing risk in partnership with FinTechs.
• Digital Assets: Securing digital asset transactions and compliance.

Customer Testimonials

• Maurice Harary, Founder, Fluz: "Oscilar services all the problems that we have and offers plenty of opportunities for scaling the fraud solution."
• Michael Zambrano, Executive Head of Risk, FlexCar: "The collaboration with Oscilar has drastically reduced our asset misplacement issues to zero..."
• Delia Nuñez, Director of Risk, Coast: "We’ve been able to move away from building hundred-line, complex queries, and can now maintain all of our fraud rules within Oscilar."

Oscilar helps businesses in finance related industries to achieve efficiency and security through AI Risk Decisioning.