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Securing the future of banking: FinaGuard AI aligns with RBI's vision through advanced AI-powered authentication.
FinaGuard AI is built to make banking and digital payments safer, smarter, and more trustworthy. With the RBI’s new 2025 Directions set to make dynamic two-factor authentication mandatory from April 2026, the need for advanced security has never been more urgent. Our AI-powered solution helps financial institutions stay a step ahead by tackling loan fraud, improving employee accountability, and adding an extra layer of trust with real-time liveness detection. Designed for seamless integration and interoperability, FinaGuard AI doesn’t just help you meet compliance, it gives your customers confidence and keeps your business future-ready.
Challenges Banks and NBFCs Face Today
RBI Regulations
RBI mandates two-factor authentication (2FA) with a dynamic factor for digital payments. FinaGuard AI ensures compliance with its intelligent, robust, and dynamic MFA solution.
Loan Fraud
Fraudsters submit fake KYC data or spurious assets (e.g., gold) to secure loans, often with employee collusion.
Employee Accountability
Lack of robust authentication enables insider fraud, complicating due diligence.
FinaGuard AI addresses these challenges head-on through its intelligent, secure, and seamless authentication solutions.
What is FinaGuard AI?
🔍 True Cost Of Fraud Goes Far Beyond the Face Value Lost
Every fraudulent transaction costs 4.5x the transaction value on average.
This includes the cost of fees, interest paid, regulatory overheads, etc. Not to mention the damage to customer trust and brand reputation.
✅ How FinaGuard AI Helps
For every ₹1000 Crore lent, Banks & NBFCs lose
₹4.5 Crore to identity-related fraud.
Prevent fraud and save ₹4.5 Cr with FinaGuard AI's proactive
protection.
Key Use Cases
Loan Fraud Prevention
Enforces face authentication for customers and employees during loan sanctioning to verify KYC data and establish accountability, reducing fraud.
Gold Loan Security
Verifies customer identity during loan sanctioning and closure, preventing fraud with spurious gold assets.
Advantages
Liveness Detection
Detects eye blinks and hand gestures (e.g., thumbs up) Prevents spoofing with real-time interaction
Fake Face Detection
Detects deepfakes or video recordings Ensures only live faces are accepted
Seamless Integration
Integrates via mobile SDKs and APIs Works with web & mobile banking apps
Less Response time
Response time less than 10 seconds
Highly Scalable Architecture
The application can be scaled horizontally to support any kind of load if needed.
Supports Android, Web, and iOS
Seamlessly compatible across Android, Web, and iOS for a unified user experience.