Built around the fraud patterns you actually face
Fraud in a Tier-1 bank looks different from fraud in a Tier-3 bank or an MFI. Caspix adapts to institution type, operating model, and regional risk context.
Tier-1 Banks
High transaction volumes generate alert noise that overwhelms analysts. SIEM integration is complex and fragile. Insider risk requires dedicated behavioral monitoring. Generic fraud systems not trained on African data degrade over time without continuous retraining on analyst feedback.
Common Fraud Patterns
Insider Privilege Abuse
Staff with elevated access manipulate records, initiate unauthorized transactions, or exfiltrate customer data through legitimate system access.
Account Takeover
Credential stuffing, phishing, and session hijacking target high-value accounts, often coordinated across multiple channels simultaneously.
Mobile Money Integration Fraud
M-Pesa and Airtel Money API linkages create new fraud surfaces — unauthorized wallet-bank transfers and session exploitation.
Bulk Payment Manipulation
Payroll, supplier, and government payment batches are altered before or during processing to redirect funds to fraudster-controlled accounts.
Card and CNP Fraud
Stolen card credentials are used in card-not-present transactions, often in high-velocity bursts before controls react.
Tier-2 Banks
Growing digital channel footprints without proportional fraud engineering investment. Cross-channel visibility is typically the largest control gap — fraud that starts in mobile money can surface as a card or teller loss.
Common Fraud Patterns
SIM Swap and Credential Takeover
Fraudsters port customer SIMs to gain mobile banking access, often following social engineering calls to customer service.
Mobile Money Channel Fraud
Unauthorized wallet-to-bank and bank-to-wallet transfers exploit session weaknesses and social engineering windows.
Agent Banking Abuse
Agents execute unauthorized transactions, overcharge clients, or facilitate mule account flows through legitimate agent credentials.
Insider Risk
Branch-level staff with access to customer data and transaction records misuse privileges for unauthorized edits, reversals, or data theft.
Account Takeover
Phishing and credential theft target digital banking accounts, with fraudsters moving funds quickly across multiple new beneficiaries.
Tier-3 Banks
Limited fraud engineering resources mean manual review is the primary control. Untuned generic alert systems generate high noise. Digital channel adoption is expanding the fraud surface faster than internal capacity can respond.
Common Fraud Patterns
Mobile Money Fraud
M-Pesa and mobile banking channels are exploited through social engineering, unauthorized transfers, and session takeover.
Account Takeover
Credential theft through phishing and social engineering gives fraudsters control of legitimate accounts.
Insider Privilege Abuse
Small teams with broad system access create insider risk exposure — reversals, adjustments, and unauthorized record edits.
Velocity and Structuring Attacks
Coordinated rapid transactions attempt to drain accounts or move funds below detection thresholds before controls react.
After-Hours Unauthorized Transactions
Fraudulent activity is timed for low-monitoring windows — nights, weekends, and public holidays.
Microfinance Institutions
Rapid digital channel adoption is expanding the fraud surface across mobile money, agent networks, and online portals. Field officer autonomy with limited central oversight creates insider risk vectors that manual controls cannot adequately cover.
Common Fraud Patterns
Mobile Money Fraud
M-Pesa-linked disbursements and collection accounts are targeted through social engineering, SIM swap, and unauthorized transfer schemes.
Insider Privilege Abuse
Field officers and loan officers with system access initiate unauthorized transactions, alter records, or divert disbursement funds.
Account Takeover
Customer credentials are stolen through phishing and social engineering, giving fraudsters access to mobile banking and payment accounts.
SIM Swap Fraud
Fraudsters link new SIMs to customer accounts, taking over mobile money access and initiating unauthorized fund movements.
Unauthorized Disbursements
Approved fund releases are altered or redirected before final settlement, exploiting gaps in disbursement authorization controls.
Tell us your fraud challenge
Each walkthrough is tailored to institution type, transaction profile, and operational constraints.