Identity fraud that passed existing controls – uncovered in evaluation.
A digital consumer lender evaluated Heka against cases reviewed by its existing fraud stack. Heka surfaced additional identity risk and delivered a measurable return on spend.
- additional fraud cases detected
- 48%
- in fraud-loss savings
- $1.3M
- fraud-loss prevention ROI
- 4.82×
Customer evaluation result. Performance varies by portfolio and use case.
Digital Lender
A digital consumer lender assessing applicants through an established identity and fraud-control stack.
Fraud was still passing existing controls
Some fraudulent applicants appeared legitimate when assessed using traditional verification, bureau, device and application checks.
Multiple controls were already in place
The customer already used identity verification, credit data, device intelligence and internal risk rules. Heka was evaluated as an additional intelligence layer – not a replacement.
Backtested against previously reviewed applications
Heka evaluated historical applications and compared its identity intelligence with the customer’s existing decisions and observed fraud outcomes.
Net-new evidence from independent sources
Heka cross-validated digital footprint, social presence, contact intelligence and breach exposure to identify inconsistencies and risk signals that were not available to the existing stack.
More fraud identified, with measurable return
The evaluation found 48% additional fraud cases, representing $1.3M in fraud-loss savings and a 4.82× fraud-loss prevention ROI.