Real-time Fraud Detection System (FDS) for Banks and Fintechs.

Automatically detect and prevent transaction fraud across every channel in under 250ms with our AI-powered fraud detection system. Deployable in your own data center.

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Real-time FDS
sokratech.io · risk engine
Live
TXN · 8F42-90A1−Rp 185.000.000
PT Anugrah Logistik → CV Mitra Sejahtera
BI-FAST · Mobile Banking
38 msdecision
Approved
Dewi Lestari → GoPay Merchant 0x7aQRIS−Rp 4.800.000
Siti Rahmawati → Budi SantosoBI-FAST+Rp 3.250.000
Rek •• 5521 → Rek •• 9930Internal transfer−Rp 15.000.000

TRUSTED BY TEAMS ACROSS BANKING, PAYMENTS & FINANCIAL INFRASTRUCTURE

QNB
Jatis Solutions
Paper.id
Pivot
PVG
Klikoo
Lintasarta
QNB
Jatis Solutions
Paper.id
Pivot
PVG
Klikoo
Lintasarta

Complete fraud prevention across every payment rail.

Every rail (BI-FAST, SKN, RTGS, QRIS, TT) and every channel (mobile, internet banking, ATM, branch), scored in real time with automatic action.

<250ms
Decision latency
with high throughput
Minutes
Rule build → deploy
maker-checker approved
24/7
Real-time monitoring
every channel, inline
Instant
Automated action
block · hold · step-up

Platform capabilities

Real-time fraud decisioning

Decide on every transaction
in real time.

Automatically approve, block, or escalate transactions without manual review. Compose fraud scenarios from drag-and-drop interface, connect real-time transaction data, then score and decide in under 250 ms.

Test changes on historical data, review the impact, and deploy fraud logic confidently without an engineering team.

  • Drag-and-drop rules builder
    Build any complex rules visually
  • Test on real history
    Simulate rules before it ships
  • Live in minutes
    Deploy changes instantly without engineering support
  • Versioned & reversible
    Compare version and roll back instantly
Minutes

From draft to production — no release train, no engineering bottleneck.

See it in a demo
Behavior profiling

Detect suspicious patterns
over time.

Fraud rarely shows up in a single transaction. Sokratech profiles behavior across rolling time windows, so risk teams catch velocity spikes and abnormal customer behavior before losses escalate.

Build count, sum, average, distinct count, median, min, and max across customers, accounts, devices, counterparties, channels, and directions.

  • Real-time aggregations
    Build velocity scenarios visually over any window
  • Support complex stats
    Calculate advanced metrics in real-time
  • Rolling windows
    Minutes to months
  • Behavioral signals
    Compare behavior across time windows to identify anomalies
Rolling windows

Detect velocity spikes and abnormal behavior across any time window, from minutes to months.

See it in a demo
Alert & case management

Turn alerts into
controlled investigations.

Route alerts into a prioritized queue with risk scores, triggered signals, transaction history, customer context, and full decision reasoning attached.

Triage by risk and SLA, assign ownership, and escalate, freeze, dismiss, or resolve with maker-checker approval on the actions that matter.

  • Real-time alerts
    Alerts reach the analyst screen in real-time
  • Unified View
    Customer details, transaction history & linked cases under one unified view
  • Intelligent Queue
    Automatically route cases to specialized teams based on case type, severity, and expertise requirements.
  • Built for teams
    Assign, tag colleagues, comments, attach evidence with document upload, track SLA
Every action

Escalations, freezes and dispositions in the audit trail are ready for internal governance and regulatory review.

See it in a demo
Cross-channel intelligence

Multi-channel
monitoring.

Monitor mobile, online banking, ATM, branch and QR payments through one unified fraud platform end to end.

Reduce blind spots and detect fraud across end-to-end user journeys.

  • Any channel
    Mobile · online · ATM · branch · QR
  • Linked identities
    One profile, many signals
  • Zero blind spots
    Proactive fraud detection across all channels
  • Instant block
    Stop it on any channel
Multi-channel coverage

Complete coverage across every channel.

See it in a demo
Dynamic list management

Whitelist, watchlist, blacklist,
or any list you need.

Match on account number, name & DOB, phone, device ID, merchant, IP, face, or geolocation by distance, radius, or area. Load entries individually or in bulk, and flag named groups like DTTOT and PEP.

  • Temporary or permanent
    Set a validity window on every entry, auto-expire it, or keep it permanent
  • Match on anything
    Account number, name & DOB, phone, device, merchant, IP, face, even GPS radius or area
  • Individual or bulk
    Add entries one by one, or import thousands at once via CSV
  • Maker-checker governed
    Custom lists and entries go live only after checker approval
Unlimited lists

Spin up custom lists for geo, device, PEP, beneficiary, merchant, or IP range, as many as your fraud team needs.

See it in a demo
AI rule recommendations

AI recommends the rule.
Your team approves it.

Train a model on your own transaction history to surface high-precision rule candidates, ranked by precision, the extra fraud each rule would catch per month.

Review every recommendation, approve it, backtest, and promote it to your live workflow.

  • Trained on your data
    Your history, your patterns
  • Ranked by precision
    Lift & false-positive rate per rule
  • Human in the loop
    Nothing deploys without review
  • Approve & deploy
    Checker-maker, straight to the workflow
AI-powered

Every recommended rule is back-tested on your history before it ever touches production.

See it in a demo
SIMULATION & TESTING

Test every rule before it touches production.

Fraud teams simulate rule changes using historical transactions to understand impact before deployment, against the version live in production.

Backtest replaycandidate v13 · 90-day window
Baseline · v12Candidate · v13
d0
Ready to replay
Baseline · v12
88.2%
Candidate · v13
89.6%
Net change over window
+1.4 pts

Figures shown are illustrative sample outputs.

Out of the box rules

Start with proven fraud patterns. Customize for your own use case.

Leverage ready-to-use scenarios to detect fraud and suspicious activity. Each rule is designed to be easily customized to your own business logic and risk appetite.

The template library covers transaction velocity, account takeover, mule detection, structuring, device and identity risk, and more.

…and 100+ more each one tunable to your risk appetite.

Governance by design

Built for controlled fraud operations.

Every rule change, list update, decision, case action, and user activity is traceable. Sokratech gives banks the governance layer that regulated fraud operations require.

RULE LIFECYCLE · FULLY AUDITED
  1. 10:02Rule created
  2. 10:14Tested
  3. 11:30Approved
  4. 12:00Deployed
  5. 12:41Triggered
  6. 12:41Case opened
  7. 13:05Decision reviewed

Maker-checker approval

Dual-control sign-off before any production change.

Rule version history

Every version retained, diffable, and comparable.

Audit trail

Immutable record of every decision and action.

User activity logs

Who did what, when, across the platform.

Role-based access (RBAC)

Granular permissions per module and action.

Data & list management

Governed blacklist, whitelist, and graylist control.

Enterprise authentication

LDAP, SSO (SAML/OIDC), and SCIM user provisioning.

Pre-deployment backtesting

Test rule changes against historical transactions first.

Rollback

Revert to any prior approved version instantly.

Exportable reports

Audit and performance reports for regulators.

SLA monitoring

Latency and availability tracked and alerted.

Deployment controls

SaaS, private cloud, or on-prem isolation.
SECURE BY DESIGN

Designed for the most sensitive environments.

We take data protection extremely seriously. We are ISO 27001:2022 certified, and our security practices are designed to meet the highest industry standards.

ISO 27001:2022 certification badge
DATA RESIDENCY
Support multiple regions data centers including Southeast Asia.
DEPLOY ANYWHERE
Deploy on your own cloud or on-premises so data never leaves your environment, or start fast on our managed cloud service.
CONTROLS
Encrypted at rest and in Transit · Supported LDAP, SAML, RBAC, SSO and SCIM provisioning with audit-ready logs.

Ready to operationalize fraud control across your transaction flow?

Talk to Sokratech about real-time fraud detection, explainable decisioning, maker-checker governance, and deployment options for banks, payment gateways, and fintechs.

Request a Demo Talk to Our Team

SaaS, private cloud, or on-premise. Built for teams operating under OJK, BI, BSP, MAS, AFASA, and payment-system expectations.

Five Sokratech risk specialists reviewing a fraud case together on a laptop
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