Loci AI

Loci provides real-time fraud detection for financial transactions and account activities. In less than half a second, it assesses whether an action looks suspicious. This empowers banks, fintechs, and payment providers to identify and stop potential fraud before any money is lost, protecting both the institution and its customers. https://runloci.com

Loci stands apart from traditional systems by offering a unique combination of capabilities designed for today's fast-paced financial environment: Speed, AI Explainability, Rule Agility, Dynamic Feature Streaming, Graph Intelligence. Evaluations within Loci are weighted and contribute to a final score, which is assessed against a threshold. This scoring-based approach allows for a broader range of decisions rather than a strict pass/fail or black-box outcome typical in traditional systems

Yes, Loci leverages artificial intelligence, but we are committed to a transparent and controllable approach. Our AI isn't a "black box" that makes decisions without explanation. Instead, it intelligently analyzes real transaction data to help identify emerging suspicious patterns, and generate new composite rules. Your fraud analysts remain in full control, as every decision Loci makes is based on clear, understandable, and auditable AI powered rules they can review and manage.

While Loci incorporates a powerful and highly flexible decision engine, it's significantly more advanced than that. Loci enhances traditional rule logic by integrating several sophisticated capabilities: Real-time Behavior Tracking: It dynamically monitors customer behavior over time, looking at aspects like the number of transfers within a specific period (e.g., the last hour) or sudden changes in transaction frequency. Relationship Data Analysis: Loci understands the connections and historical interactions between different data points (profile, device, history, graph), to provide deeper context-aware decisioning. Continuous Learning from Fraud Cases: The system learns from confirmed fraud instances to continually refine and improve its rule suggestions and overall detection accuracy

We have simplified integration and management to make it easy for your team to realize value quickly. This ensures that Loci can leverage your valuable data and enhance your current workflows for a more comprehensive and effective fraud defense strategy.