Digital trust requires continuous evaluation. Point-in-time identity verification during initial onboarding is often supplemented with continuous risk monitoring as transactions occur.
At Money20/20 USA 2026, identity and fraud technology providers are presenting multi-layered approaches to risk management.
Three Approaches to Identity Architecture
1. Behavioral Biometrics & Device Telemetry
Authorized push payment (APP) fraud and remote access sessions can bypass traditional password and SMS authentication.
Sardine addresses this by evaluating behavioral telemetry during user sessions—such as typing cadence and interaction patterns—to help detect unauthorized remote sessions before funds settle.
2. Centralized Identity Orchestration
Financial institutions frequently utilize multiple data vendors for watchlist screening, phone intelligence, and address history.
Alloy (Location 12033, 4-Star Sponsor) provides a centralized decisioning platform. Compliance teams can configure visual decision rules to route lower-risk applicants through streamlined onboarding while applying additional checks to higher-risk profiles.
3. Configurable Verification Workflows
Serving multiple jurisdictions requires adhering to differing data privacy and regulatory standards.
Persona provides customizable identity infrastructure that supports document extraction and liveness checks, allowing organizations to configure workflows to their compliance requirements.
Explore our full directory of Fraud, Identity & Risk Companies.