Mobile Money FraudZap™

Mobile Money fraud moves at transaction speed. Subex Mobile Money FraudZap™ scores transactions in real time, before funds leave the wallet, using wallet behaviour, agent risk and SIM signals. Built for P2P transfers, cash-outs, merchant payments and wallet credit, it helps telcos protect revenue, customer trust and agent ecosystems. AI agents build cases, link suspicious patterns, draft STR narratives and accelerate resolution.

Faster
Time to Go Live

Aligned with AML/CFT requirements

Integrates with KYC & Biometric Database Checks

Overview

Subex Mobile Money FraudZap™ scores transactions in real time before funds leave the wallet, using wallet behaviour, agent risk, and SIM signals. Built for P2P transfers, cash-outs, merchant payments, and wallet credit, it helps telcos protect revenue, customer trust, and agent ecosystems. AI agents build cases, link suspicious patterns, draft STR narratives, and accelerate resolution.

The four ways mobile money gets attacked

Account Takeover

PIN reset followed by immediate high-value transfer before batch-based controls react

Wallet Credit Abuse

Borrow, cash out instantly, then default across mobile credit and wallet flows before controls fire

SIM Swap Cash-Outs

Funds move quickly after a SIM swap, often before customers notice. Batch tools fire too late

Agent Collusion

Agent-assisted transactions look legitimate unless behaviour, velocity, and relationships are modelled

Mobile Money FraudZap™ business benefits

*Figures are indicative and may vary by customer based on business and operational conditions.

Stop Fraud in real time

Score P2P, agent cash-out, merchant, and wallet-credit transactions before settlement so only accepted decisions proceed

Faster time to go live

Deploy across cloud, on-premises, or microservices. No cold start. No large data science team required

Accelerate Investigation with AI Agents

AI agents build fraud cases, link suspicious patterns, draft STR/SAR narratives, and close low-risk referrals automatically

High-accuracy risk scoring and detection

ML model scoring plus out the box rules detect SIM swap cash-outs, PIN reset abuse, agent velocity, account takeover, and wallet credit abuse from day one

Improve Decision Quality with prebuilt ML Features

FraudZap™ uses prebuilt ML features across SIM, device, wallet, agent, account, and KYC signals to strengthen real-time risk scoring

Support Risk, Finance, and Compliance Teams

Track savings, audit every decision, and report outcomes with decision logs, explanations, alerts, dashboards, and transaction-level audit trails

How it Works

FraudZap architecture: transaction to decision in real time

Ten capabilities. One purpose:
stop mobile money fraud

Mobile Money Feature Engineering Library

Out the box ML features across SIM, device, wallet, agent, account, and KYC signals.

ML Model + Rules Hybrid Detection

Combines real-time ML scoring with pre-built rules for multi-layer fraud detection.

Real-Time Decisioning

Accept, decline, or refer suspicious transactions before settlement in real time.

Agentic Investigation

AI agents build cases, link suspicious patterns, close low-risk referrals, and draft STR/SAR narratives.

Full Wallet Journey Coverage

Supports P2P transfers, agent cash-outs, merchant payments, and wallet credit.

SIM and Device Risk Signals

Uses SIM swap recency, device changes, MSISDN age, and mismatch signals.

Agent Risk Monitoring

Tracks agent fraud rates, collusion, velocity anomalies, and off-hours activity.

AML and KYC Controls

Combines AML/CFT controls with KYC and biometric checks for stronger compliance.

Flexible Deployment Options

Runs on-premises, public cloud, private cloud, or microservices.

Explainable Decisions

Provides reason codes, alerts, dashboards, and transaction-level audit trails.

Choose Your Starting Point

Start with real-time fraud scoring, add AML compliance controls as requirements grow, and advance to agentic investigation for automated case resolution.

Package 1

Real-Time Transaction Fraud Scoring

Synchronous ML scoring before settlement
Pre-built mobile money ML features
OOB rules: SIM swap, ATO, agent velocity, wallet credit
Agent intelligence: collusion, off-hours, fraud rate signals
SIM & device risk: swap recency, device change proximity
Accept · Decline · Refer decisioning with reason codes
No data science team required — pre-trained & ready
Single API integration — no core system changes

Package 2

Package 1 + AML Compliance Controls

Everything in Package 1, plus:

AML/CFT compliance controls built into scoring
Regulatory Mandate alignment
KYC & biometric database integration for identity checks
Explainable decisions: reason codes per transaction
Full audit trail: every accept / refer / block logged
Dashboards for risk, finance & compliance teams
Supports regulatory reporting obligations

Package 3

FraudZap Agentic

From fraud flag to closed case – automatically

Frequently Asked Questions

1. Does it replace our existing mobile money platform or FM

FraudZap sits alongside your existing platform as a real-time scoring layer. It connects via a single API call and requires no changes to your core mobile money system or existing FMS.

2. Does it work in real time?

3. Does it support AML compliance requirements?

4. What data does it use?

5. Can it support cloud and on-premises deployment?

6. Is it audit ready?

Your code will protect billions in revenue for millions of users.

At Subex, the problems are massive, the domain is complex, and the impact is real. Join an AI-first team building agentic systems that telecom operators worldwide rely on every day.