Application Fraud

TruNarrative prevents application fraud by creating the perfect balance between traditional methods of detection and the latest techniques. Using TruNarrative, you detect and respond to new fraud trends faster. Thanks to a streamlined and accurate application processing system, you accept hero customers quickly. We expect users to reduce application fraud incidence whilst significantly reducing referral queue length.

Application Fraud | Payments
TruNarrative | About Us

Technology advances make such reduction possible.

TruNarrative screens all application data against known fraud parameters, internal watchlists and third-party data. Users in the TruNarrative Consortium pool their insights. Machine Learning detects patterns across the Consortium’s pooled knowledge and then automates the optimal rule configuration.


The best of machine processing and human judgement

Our decision engine is always learning. Machine Learning optimises the rules used across the platform. TruNarrative is continually checking the huge bank of rules to see if there are better ones than those applied in your configuration. We look to see if the implemented rules create too many false positives. Such excellent automated rule optimisation reduces application fraud risk by quickly spotting changes to the landscape, whilst continually eliminating inefficient rule sets. For TruNarrative users, excellence and efficiency are equals.

Furthermore, the final decision rests with you. Here, human judgement reigns. Artificial intelligence optimises rule performance faster than any human team could. As TruNarrative monitors constantly, you don’t have to. You receive the system’s findings as suggestions. So, you choose whether to apply, reject or continue testing a suggested rule. Throughout, you retain the final word.

Easy to configure

Being able to change your systems quickly and based on sound insight is crucial to fighting fraud. TruNarrative puts you, the fraud and risk professionals in control of these changes. This means you avoid lengthy and costly delays waiting for IT or external suppliers to make these changes.

State-of-the-art technology banishes the limitations of legacy systems. No more high costs to implement new fraud prevention strategies. Instead, you choose to:

  • Select easily from wide set of existing rules.
  • Build your own rules in minutes.
  • Plug in your own scorecard. 
  • Select from the endless apps in our app store or integrate your own, cherished provider in minutes to create relevant layers of protection.

Thanks to this ease, TruNarrative responds. When the risk environment changes or when your business scales, you easily update the configuration.

Machine Learning | Machine & Human Collaboration

Work with peers to combat fraud

TruNarrative empowers the community of risk professionals. Its cloud-based technology enables secure and protected insight sharing amongst users via the TruNarrative Consortium.

Thanks to the Consortium, your application decisions are based not simply on the data you’ve purchased or hold, but also on the wisdom and insight of your peers. This prepares you to detect and combat new application fraud trends as soon as they emerge including syndicate fraud, identity theft and first party fraud.


Effective queue management with deep analytics

TruNarrative includes intuitive workflow and case management solutions to manage referrals and deliver deep link analytics. That way, your referral decisions benefit from all the connections between fraudulent behaviour and data, whether internal or external.

Spotlight on Application Fraud Journey


Take well-informed immediate decisions. Match, compare and analyse multiple data sources in less than a second to take a decision.

Automated analytics

Constantly optimise rules configuration thanks to Machine Learning and keep pace with fraud risk as it evolves.


Change rules, add rules and integrate data through configuration and without waiting for IT. Reduce cost and adapt to changing fraud trends quicker.

API management

Integrate new data sources and services quickly into the App Store. Incorporate the newest innovations to remain agile.


The TruNarrative consortium provides a safe forum to share optimum rules and insight with your peers, in real-time. 

Application Fraud works well with

ID Verification

ID Verification

ID Verification using the TruNarrative platform is better, faster, global and more reliable to help increase efficiency.

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Transaction Fraud

Transaction Fraud

TruNarrative combines rules, data, machine learning and human intuition to prevent fraud that occurs during a customer transaction or interaction.

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Machine Learning

Machine Learning

Machine Learning and human insight combine in the most advanced solution. Human judgement contributes throughout.

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Sharing insight across organisations is proven to be more effective than working alone or in silos. Our platform allows you to securely share and communicate across peer groups and geographies.

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App Store - Partner Apps

App Store

The world is awash with Big Data. With endless apps ready to use, inside TruNarrative, you can find new suppliers in the app store, or ‘bring your own’ valued supplier or service and integrate them in minutes.

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Application Fraud is ideal for these markets

Banking Fraud Market


Traditional banks moving into digital benefit from adopting TruNarrative’s holistic view. The same holds true for new fintech companies and banking startups.

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Alternative Finance

Alternative Finance

New channels use digital technology to connect people to the financial instruments they desire. As opportunities blossom, strong risk controls become essential.

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Lending, Markets


As credit evolves, consumers expect more and more online. Adopting TruNarrative prepares you to deliver on consumer expectations, day in and day out by solving the Identity, Fraud and Compliance risks that can cause delays in on-boarding new customers.

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Online Gaming, Markets

Online Gambling

Comply with responsible gambling requirements, age verification, eKYC and anti-money laundering regulations whilst nurturing your genuine and VIP customers. Managed by one unified platform where customer behaviour can be predicted.

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Insurance | Markets


Reduce fraud incidence, lower cost of acquisition and show regulators you’re controlling premium increases by ensuring good customers are not penalised by the bad.

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eCommerce, Markets


Merchants seek to find and retain good customers, without declining genuine customers who might trigger their risk profiles. TruNarrative shows which are your hero customers from the villains.

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Application Fraud | Payments


Tackle fraud & risk at every stage of the payment lifecycle by layering detection strategies and technologies to find that perfect balance between revenue and risk detection.

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