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Behavioral Risk

Behavioral risk monitoring that spots harm before the loss.

People who are losing control leave a trail weeks before the complaint. The platform reads changes in spending, frequency and timing, from problem gambling to financial vulnerability, and suggests a proportionate response.

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Alert

Deposit US$ 150 after a US$ 900 loss

Chasing losses, 14th time this month

Risk score

87/100

Signals that weighed in

  • Chasing losses +31
  • Escalating spend +24
  • Shifts in routine +19
  • Requests for help +13
High Action Case opened, limit proposal ready

What it detects.

  1. 01 Chasing losses New deposits minutes after a big loss, and stakes that keep rising after a losing streak.
  2. 02 Escalating spend Deposits or purchases well above the customer's usual level, growing week after week.
  3. 03 Shifts in routine Late-night sessions on consecutive days and long stretches without a break, often before spending changes.
  4. 04 Requests for help Limits set and then reversed, attempts to return after self-exclusion, reversed withdrawals and complaints about losses.
  5. 05 Financial vulnerability Spending tied to payday, repeated borrowing to keep going or failed payments that point to financial strain.
  6. 06 Product and policy abuse Customers who exploit returns, refunds, credit limits or promotions in a repeated pattern.

How it works.

  1. 1

    Build the baseline

    Each customer is compared with their own history, not only with the average, so a change in behavior stands out.

  2. 2

    Combine the signals

    One signal alone says little. The model weighs them together, which is what separates someone having fun from someone going under.

  3. 3

    Respond in proportion

    A discreet nudge first, then a limit proposal or a review, and stronger measures only when the case calls for it. Every signal, action and response is recorded with a date.

A suggestion, not a verdict

Behavioral risk is about people, not only transactions. Each alert shows the signals that weighed in and how they compare with the customer's own history. The suggested action is a starting point: your team decides, and the record shows what was seen and what was done.

Explainable AI & Cases
Audit trail #4821
  1. 14:32:18 · Alert fired Deposit US$ 150 after a US$ 900 loss
  2. 14:32:18 · Signals attached Chasing losses · Escalating spend
  3. 14:41:05 · Analyst decision Case opened, limit proposal ready
  4. 14:41:06 · Recorded Internal policy, section 4.2 · M. Souza

Built for high-risk markets

iGaming

Tracks the responsible gambling signals of problem play, from chasing losses to returning after self-exclusion, and suggests the proportionate response.

Learn more

Fintechs

Spots customers whose spending outgrows their means, such as repeated borrowing to cover payments or activity that spikes right after payday.

Learn more

Digital Banks

Identifies signs of financial vulnerability and unusual spending, so the bank can offer support before the customer falls behind.

Learn more

Retail

Detects repeated abuse of returns, refunds and promotions, and buying patterns far outside the customer's usual behavior.

Learn more

Behavioral Risk · Questions

What buyers ask.

What is behavioral risk monitoring?

It is the ongoing reading of how a customer's behavior changes over time: how much, how often and when they spend. Instead of judging one transaction, it looks at the pattern, which reveals harm or abuse earlier than any single event.

How does the platform detect problem gambling?

It watches for the behaviors that come before loss of control: chasing losses, escalating deposits, late-night sessions on consecutive days and reversed limits or attempts to return after self-exclusion. Signals are read together, not one by one, and each alert suggests a response in proportion to the risk.

Can behavioral risk monitoring be used outside gambling?

Yes. The same method applies to unusual spending, financial vulnerability and abuse of refunds, credit or promotions in fintechs, digital banks and retail. The engine was built and proven in iGaming, and each vertical runs its own set of signals on it.

Does the platform act on its own?

No. It suggests a proportionate action, from a discreet reminder to a limit proposal or a review, and your team decides. Every signal, action and customer response is recorded with a date, ready to show if anyone asks.

The rest of the platform

Transaction Monitoring Every transaction scored for AML risk, in real time. Fraud Prevention Account takeover, multi-accounting, promo abuse and payment fraud. Screening & Due Diligence Sanctions, PEP and adverse media, for people and companies. Explainable AI & Cases Every alert shows why. Your analyst decides, on the record.
In English, Portuguese or Spanish

Talk to a specialist about customer protection.

Tell us which behaviors worry you most in your customer base. We'll show you how the signals are read and what your team would see on each case.

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