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Perspectives on identity fraud, pensions, underwriting and identity intelligence.
Understand how narrower federal BOI reporting affects ownership information, what banks still need to verify and where identity intelligence adds context.
Read the article: Does Narrower BOI Reporting Create a Verification Gap for Banks?Learn how member data quality can affect pension buyout pricing, where population-wide screening adds value and how validated findings support insurer decisions.
Low reported fraud can hide identity risk, customer friction and review costs. Learn how financial-services teams can test their controls for blind spots.
How global identity data helps lenders assess thin-file applicants, resolve verification gaps and support approvals for legitimate customers.
Learn how banks can identify AI agents, verify the customers behind them and enforce delegated authority as agent-mediated financial journeys emerge.
How cross-validated identity evidence changed which cases needed a person – and how quickly legitimate applicants moved through.
A backtest against confirmed outcomes showed additional fraud beyond existing controls – and where the Heka score changes the decision.
How identity and web intelligence strengthen transaction risk scoring, reduce chargebacks and produce audit-ready evidence.
A pension record can be technically complete and correctly formatted while still failing to reflect the member behind it. Why identity confidence and currency matter alongside data cleansing.
One pension scheme file led across 61 countries, demonstrating why international member tracing requires global research, identity resolution and corroborating evidence rather than a name and last-known address alone.
A deceased member’s son claimed to be the only child. Heka reconstructed the wider family network and identified additional surviving children, materially changing the basis of the trustees’ entitlement review.
An illustrative 10-day scenario: how account takeover develops through gradual identity drift, and the breach, contact and behavioral signals that reveal it.
Learn how to build a layered synthetic identity fraud detection stack with eight signal layers, vendor evaluation criteria and web intelligence.
A structural view of how fraud decisions are produced across signal collection, verification, enrichment, scoring, rules, orchestration, step-up and feedback – and why apparently complete stacks can still rely on insufficient identity context.
A data review for a large UK defined benefit scheme found that around 2% of members were deceased, some for more than two decades – and why that matters for buy-in and buy-out.
A concise summary of the UK’s 2025 Pension Schemes Bill – from small-pot consolidation to guided retirement options – and why rising regulatory expectations mean data standards must rise with them.
