Honey Badger
Smarter fraud, risk and credit decisions with less customer friction

> Identify risk with individual or company insights.

> Reduce risk with authentication.

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Trusted by

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Honey Badger plays a critical role in helping us identify fraud and credit risks. We’re able to identify and mitigate risk, while also reducing loan application abandonment rates by performing identity verification with minimal friction for customers.

Amplifi Capital logo

Sanjeev Pottay

Chief Product Officer, Amplifi Capital

> Honey Badger for Risk Insights

Turn contact information into rich insights for decision making

Honey Badger’s Risk Insights API takes personal or business information and mines through hundreds of data sources to find signs of fraud or credit risk. Instantly get insights from an email address, phone number, IP address, company number or other common data points you have available.

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Unified API

Access thousands of insights from a single API or web lookup.

Risk Scoring

Use default scoring rules, or define your own and set custom risk thresholds.

KYC (2+2)

In-built 2+2 verification checks against data held by mobile network operators.

Our data partners

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Risk Insights, Turn contact information into rich insights for decision making diagram

Never miss a Risk Insight, explore our ultimate checklists!

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Email risk check leaflet front page
Phone number risk check leaflet front page
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IP address risk check leaflet front page
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Company risk check leaflet front page
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Web domain risk check leaflet front page
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> Honey Badger for Authentication

Passwordless, Frictionless & Secure

Authenticate users silently by leveraging the same system mobile networks use to secure phone calls and data sessions. 

Created in partnership

Authentication Requested

Honey Badger prompts the mobile network to send a random number to the user’s SIM.

Token Generation

Both the user’s device and the mobile network use a cryptographic hash to generate a token.

Token Comparison

Honey Badger coordinates with the user’s device and the mobile network to compare the tokens.

Authentication Result

If the tokens match then the user is in possession of their two factor device and is authenticated.

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> Resources

View the latest news, guides, whitepapers and much more

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> Case studies and whitepapers

Learn how lenders, fintechs and financial institutions are using Honey Badger

From delivering risk insights for fraud prevention to powering passwordless authentication, Honey Badger is trusted by organisations around the globe.

Case Study

Geo Authentication

Learn how Amplifi Capital uses Honey Badger to create a frictionless identify verification challenge that reduces loan application abandonment rates.

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Case Study

Identifying Invoice Fraud

Learn how a leading business finance provider uses Honey Badger to instantly identify fraudulent companies and invoices.

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Case Study

Reducing credit risk

Discover how an innovative consumer finance provider used mobile phone data to accurately identify credit risk, while also reducing customer friction.

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Whitepaper

10 ways to use phone numbers

Get savvy with phone numbers and see how leading lenders and fintechs are using them to fight fraud and financial crime.


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> Web portal

No code? No problem! Access all features from our web portal

Honey Badger Control gives you the power of Honey Badger Risk Insights from a secure and user friendly web portal. You can configure your account, manage risk scores, or perform lookups directly.

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> Use cases and features

Explore our full suite of features, available via UI or web interface

Discover our range of risk insights and use cases that can be accessed individually, or combined into a single lookup. From getting thousands of insights with a single request, to authenticating users via SMS OTP, we’ve made it as simple as possible to get started.

Email insights

Get email age, reputation, reports of suspicious behaviour and tons more insights that indicate risk.

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Invoice fraud detection

Get a risk score for invoice finance customers calculated by analysing company information, running KYC checks and analysing contact information.

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Credit risk analysis

Get a credit risk score for consumers or businesses based on data from mobile network operators.

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KYC verification

Perform identity verification by comparing firstname, lastname, postcode or date of birth with the data held on file by mobile network operators.

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SIM swap detection

Check a mobile number for recent SIM swaps, a common attack vector used to facilitate account takeover.

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Web presence insights

Get a report showing a company’s online presence and identify potential spoofing or masquerading attempts.

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Web content analysis

Check if a website contains malicious or phishing content.

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Companies House anlaysis

Get a detailed report showing risks with a company’s status, accounting history, directors and other key data points.

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IP Address Insights

Get risk insights on an IP address, including reputation, spamming and reports of malicious activity.

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SMS OTP

SMS OTP for two-factor authentication with in-built fraud checks to stop account take over and traffic pumping fraud.

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Silent Authentication

Two-factor authentication without the fraud risk and friction, facilitated by secure mobile network infrastructure.

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Geo Authentication

Issue an identity verification challenge that requires users to recognise images from nearby to an address or location they know.

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Device overseas detection

Check if a mobile device is currently overseas, an indicator that the person your dealing with is masquerading as a local.

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Call forwarding

Check if a mobile number is forwarding all traffic on to a different number, a common tactic used by fraudsters.

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Mobile network & line type

Get an individuals mobile network provider and line type (pay monthly vs pay as you go) – an insight used to predict credit risk.

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Scam Signal / line Busy

Intercept people being scammed by checking if a mobile number is busy. Data shows that scammers will coerce victims over the phone during a process.

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> Contact

Schedule a call with an expert

Honey Badger helps companies operate by reducing and mitigating risk. Speak with an expert to discover the insights and solutions that can backup your decisions.

Drop us a message and we’ll be in touch right away.

Download Checklist

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Request API Access

Complete the form below and we’ll be in touch to arrange access to the Honey Badger API and documentation.

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Partner with us

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Account Servicing

Stop fraud and improve customer experience during account servicing by eliminating SMS One Time Passwords (OTP). Instead, leverage phone based SIM authentication which involves comparing data generated by the Mobile Network Operator (MNO) with mobile device session data. This provides a foolproof way of proving that an individual is in possession of their two-factor device.

Benefits

This new approach to authentication isn’t susceptible to SIM swap attacks and doesn’t require the user to enter a password. Ultimately, account takeover attacks are blocked, while customer experience is improved and the time taken to service a request us reduced.

Made for

 LENDERS   ONBOARDING   AUTHENTICATION 

Get started via

 EMBEDDABLE WIDGET   API 

Pricing

 PAY PER AUTHENTICATION 

Request a demo

Contact Data Cleaning

Contact Data Cleansing verifies that the contact and personal information you hold isn’t out of date or inaccurate. Data is compared against the information held on file by Mobile Network Operators (MNOs). Whether processing a single record or sanitising thousands of records in batch, you’ll quickly identify bad data.

Benefits

The case for maintaining up-to-date records goes way beyond good practice for compliance and regulatory reasons. It’s critical to ensuring customers are contactable. Furthermore, it reduces security threats by ensuring communications aren’t sent to the incorrect individuals.

Made for

 LENDERS   FINTECH  KYC 

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER RECORD CHECK 

Request a demo

SIM Swap Detection

SIM Swap Detection is a critical step in stopping account takeover. Why? Because account takeover attacks commonly exploit the ease of which a phone number can be stolen by simply assigning it to a new SIM. This allows bad actors to intercept communications, such as SMS one-time-passwords (OTP), which are used by 93% of enterprises worldwide to verify customers.

Benefits

SIM Swap Detection instantly and silently checks the history of a SIM card to see when it was last swapped. Recent swaps indicate high risk of fraud, allowing you to take appropriate action, such as failing verification or requesting additional security procedures are followed.

Made for

 FRAUD PREVENTION

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER SIM SWAP CHECK 

Request a demo

Social Trace

Social Trace significantly reduces the risk of losing contact with your customers by diversifying communication channels. Simply drop the Social Trace widget into your onboarding workflow and allow customers to connect one or more social channels with just a click.

Benefits

Lenders who capture social channels are significantly less likely to lose contact with their customers. Why? Because different demographics prefer to engage over different channels. This is particularly important when it comes to collections. Initiating contact over different channels increases your chances of getting a response, which in turn increases the likelihood of resolving late or non payment. 

Made for

 LENDERS   ONBOARDING   COLLECTIONS

Get started via

 EMBEDDABLE WIDGET 

Pricing

 MONTHLY FEE 

Request a demo

Mobile Fraud Check

Mobile Fraud Check allow you detect fraud indicators using data provided by Mobile Network Operators (MNOs). Key checks include device overseas, call forwarding, SIM swap, a high risk number database lookup and much more.

Furthermore, Mobile Fraud KYC allows you to verify a person’s firstname, lastname, date of birth and postcode against the data held on file by MNOs. Since MNOs conduct their own KYC checks on new customers, it gives you the ability to match personal information you collect against a trusted and verified source.

Benefits

Mobile Fraud Checks happen instantly and with zero customer friction. The data held by MNOs is often more recent and reliable than other data sources and a level of granularity is provided,  allowing you to see how many and which KYC fields matched.

Made for

 LENDERS   ONBOARDING   FINTECH  RISK ANALYSIS

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER LOOKUP 

Request a demo

Mobile Data for Credit Risk

Mobile Data for Credit Risk delivers the data required to predict credit risk based on a persons mobile phone information. Key data attributes include the network provider, line type, and KYC match information. Working in partnership with lenders we’ve been able to clearly identify correlations between this data and the likelihood of a loan going into arrears.

Benefits

Open Banking Vs Mobile Data. Which is the most effective in predicting bad borrowers? A recent project with a UK lender compared a risk model built with Open Banking against a model built with Honey Badger’s Mobile Data. The results showed that both models outputted almost identical risk scores. The difference? Mobile Data could be deployed immediately with no customer friction required to calculate a risk score.

Made for

 LENDERS   ONBOARDING  RISK

Get started via

 EMBEDDABLE WIDGET   WEB INTERFACE   API 

Pricing

 PAY PER LOOKUP 

Request a demo

Geo Authentication

Geo Authentication™ provides frictionless identity verification that reduces abandonment rates. Users simply select images that they recognise from nearby to their address. In built anti-fraud controls ensure that valid users can complete the challenge whilst bad actors are blocked.

Benefits

Leading lenders such as Amplifi Capital use Geo Authentication during applications as an alternative to more intrusive identity verification checks, such as document uploads, that cause high friction and lead to increased dropouts. Completion rates with Geo Authentication are 28% higher and have subsequently helped drive an increase in revenue for the business.

Made for

 LENDERS   ONBOARDING   ACCOUNT RECOVERY 

Get started via

 EMBEDDABLE WIDGET   WEB INTERFACE   API 

Pricing

 PAY PER AUTHENTICATION CHECK 

Request a demo