R1D Stack protects 50+ financial institutions across India, preventing ₹2,340 crore in annual fraud losses while maintaining 99.99% legitimate transaction approval rates. Our customers achieve an average 92% reduction in mobile fraud incidents within 90 days of implementation.

Digital Banking & Traditional Banks

Industry Challenge Profile

Traditional banks transitioning to digital-first customer experiences face unprecedented mobile security challenges. Legacy security architectures designed for branch-based operations cannot address real-time mobile threats, regulatory compliance requirements, or the scale of modern digital banking platforms.

Specific Security Challenges

Account Takeover Attacks

78% increase in credential theft targeting mobile banking apps

Transaction Manipulation

Fraudsters modify transfer amounts and recipient details during processing

Compliance Gaps

RBI and PCI DSS requirements for real-time mobile security monitoring

Customer Trust Erosion

Security incidents damage brand reputation and customer confidence

R1D Stack Implementation Approach

Phase 1: Risk Assessment (Week 1-2)

  • Comprehensive threat landscape analysis
  • Integration with existing fraud detection systems
  • Policy configuration based on risk tolerance
  • Pilot deployment with limited user base

Phase 2: Full Deployment (Week 3-6)

  • Production integration across all applications
  • Real-time threat monitoring setup
  • Staff training for SOC and support teams
  • Compliance reporting automation

Phase 3: Optimization (Week 7-10)

  • ML model tuning for bank-specific patterns
  • Advanced analytics integration
  • Custom threat intelligence development
  • Continuous improvement processes

Large Private Bank - Implementation Results

12 million
Mobile banking users
₹450 crore
Daily transaction volume
45 days
Implementation timeline

Measurable Implementation Results (12-month post-implementation)

Security Improvements

94.7%
Reduction in successful fraud attempts
  • From 3,450 to 183 monthly incidents
  • 99.99% legitimate transaction approval
  • 87% reduction in investigation time

Financial Impact

₹63.4 Cr
Annual fraud prevention savings
  • ₹2.2 crore implementation cost
  • 2,890% ROI in first year
  • 3.2 months payback period

Business Benefits

34%
Increase in mobile banking adoption
  • 28% improvement in customer satisfaction
  • 67% reduction in account lockouts
  • 45% increase in high-value transactions
"R1D Stack transformed our mobile security posture from reactive to proactive. We've eliminated mobile fraud losses while maintaining exceptional user experience. The regulatory compliance automation alone saved us 200+ hours monthly."
— Chief Information Security Officer, Leading Private Bank

Fintech & Payment Platforms

Industry Challenge Profile

Fintech companies and payment platforms operate in highly competitive environments where user experience and security must be perfectly balanced. These organizations face sophisticated fraud attempts, regulatory scrutiny, and the challenge of scaling security as they grow rapidly.

Leading UPI Payment Platform

45 million
Active users
₹180 crore
Daily transactions
18 days
Implementation timeline

Security Challenges Faced

Payment Fraud

15,000+ daily fraud attempts targeting payment workflows

Bot Attacks

Sophisticated bots creating fake accounts for cashback exploitation

Merchant Fraud

Manipulated QR codes and payment flows affecting merchants

Regulatory Pressure

Enhanced KYC and fraud monitoring requirements

Deployment Results

Security Improvements

91.2%
Decrease in successful payment fraud
  • 97.8% reduction in fake accounts
  • 99.99% legitimate transaction approval
  • 73ms average response time

Business Impact

₹78.4 Cr
Annual fraud loss prevention
  • 84% reduction in manual fraud review
  • 23% increase in user trust scores
  • 100% regulatory audit success

Innovation Achievements

Sub-100ms
First UPI platform real-time detection
  • 0.002% false positive rate
  • Advanced ML integration
  • Automated merchant risk scoring

Buy Now, Pay Later (BNPL) & Digital Lending

Industry Challenge Profile

BNPL and digital lending platforms face unique fraud challenges related to credit scoring manipulation, identity verification bypass, and automated loan application abuse. These platforms must balance rapid approval processes with comprehensive fraud prevention.

Major BNPL Platform

8.5 million
Registered users
₹2,400 crore
Annual loan origination
₹15,000
Average loan amount

Pre-Implementation Challenges

High Default Rate

12.3% default rate attributed to fraudulent applications

Identity Fraud

₹23.4 crore annual losses from identity fraud and loan abuse

Manual Processes

Manual verification causing 40% application abandonment

Compliance Gaps

Regulatory compliance gaps requiring enhanced due diligence

Implementation Results

Fraud Prevention Metrics

70%
Default rate reduction (12.3% to 3.7%)
  • 96.8% reduction in synthetic identity applications
  • 89.4% reduction in coordinated fraud attempts
  • 67% improvement in legitimate application conversion

Operational Efficiency

90 seconds
Maintained average approval time
  • 78% decrease in manual review requirements
  • ₹18.7 crore annual cost savings
  • 100% RBI compliance adherence

Business Growth Impact

45%
Improvement in loan portfolio performance
  • 34% increase in approval rates for legitimate customers
  • Market expansion into higher-risk segments
  • Enhanced investor confidence for Series C funding

E-commerce & Digital Wallets

Industry Challenge Profile

E-commerce platforms and digital wallet providers face complex fraud scenarios involving payment manipulation, account takeovers, loyalty point theft, and promotional abuse. These platforms must protect high-volume, low-value transactions while maintaining frictionless user experiences.

Leading E-commerce Platform

25 million
Active users
₹850 crore
Annual GMV
67,000
Daily fraudulent attempts

Multi-Vector Fraud Challenge

Payment Gateway Manipulation

Fraudsters intercept and modify payment flows during checkout

Loyalty Point Fraud

Automated systems exploit reward programs and cashback offers

Account Takeover

Credential stuffing and session hijacking targeting stored payment methods

Promotional Abuse

Coordinated campaigns exploiting discount codes and referral systems

Implementation Outcomes

Fraud Prevention Results

88.9%
Decrease in successful payment manipulation
  • 94.7% reduction in account takeover incidents
  • 76.3% decrease in fraudulent promotional claims
  • 99.97% legitimate transaction approval rate

User Experience Metrics

12%
Improvement in payment completion rates
  • 28% increase in security trust ratings
  • 43% decrease in fraud-related inquiries
  • 99.99% uptime with zero security outages

Business Performance Impact

₹29.8 Cr
Annual fraud loss prevention
  • ₹7.2 crore reduction in investigation costs
  • Expanded payment options enabled
  • Premium merchant partnerships secured

Cross-Industry Success Metrics Summary

Average Fraud Reduction

92.1%

Across all customer implementations

Average ROI

1,847%

Return on investment in first year

Customer Satisfaction

94%

Positive security experience ratings

Compliance Success

100%

Regulatory audit pass rate

Total Fraud Prevented

₹2,340 Cr

Annual prevention across customer base

Implementation Timeline

28 days

Average from start to full production

Achieve Similar Results for Your Organization

50+ Successful Implementations | ₹2,340 Cr Fraud Prevented