Fraud in fintech isn’t just getting faster - it’s getting smarter.
From account takeovers driven by credential stuffing to remote access scams that trick users into draining their accounts, the threat landscape is evolving daily. Yet most fraud detection tools are reactive, spotting fraud after funds move and damage is done.
That’s no longer acceptable.
Today, we’re excited to announce a new partnership between Unit21 and Fingerprint, bringing best-in-class device intelligence directly into Unit21’s real-time rules engine. This integration allows fintechs to detect fraud before it happens, using rich behavioral and device-level signals that are explainable, actionable, and instantly usable across risk operations.
Why This Partnership Matters
Fraudsters today don’t just steal credentials - they spoof locations, deploy emulators, and hijack devices to appear legitimate. These tactics bypass traditional identity checks and beat rule-based systems that don’t look deep enough.
Most fraud tools rely on post-transaction analysis. By the time the alerts fire, the funds are gone, and your team is left cleaning up.
With Fingerprint’s industry-leading device intelligence and Unit21’s real-time rules engine, that changes. You can now:
- Detect suspicious device behavior at the moment of login or session creation
- Instantly trigger alerts or blocks before the transaction completes
- Combine device context with transaction, behavioral, and risk data for full visibility
- Generate clear, explainable signals that analysts and auditors can trust
This means you can stop fraud at the source, not just report it after the fact.
Together, Fingerprint and Unit21 deliver a new level of control, speed, and intelligence that’s tailored for modern fintech risk teams.
Real-World Threats, Solved in Real Time
This partnership isn’t theoretical. It’s built to stop the kinds of fraud fintechs face every day - fraud that traditional tools often miss.
Here are four example fraud scenarios where Unit21 + Fingerprint delivers real-time defense and measurable impact.
1. Credential Stuffing
What’s happening: Fraudsters use bots to test thousands of stolen username/password combos from past breaches, hoping for a match.
How we help: Using Fingerprint’s device intelligence technology, Unit21 detects when the same device is attempting logins across multiple accounts, a key signal of automated abuse. When combined with login velocity, behavior anomalies, and geolocation mismatches, Unit21’s real-time rules engine can immediately trigger blocks or multi-factor challenges.
The outcome: Account takeover attempts are stopped before login succeeds. That means fewer support tickets, fewer frozen accounts, and less customer frustration.
Learn more about combating Credential Stuffing
2. Elder & Emergency Scams
What’s happening: Scammers pose as grandchildren, government agents, or law enforcement, urging elderly victims to urgently wire money or transfer funds. These scams are emotionally manipulative and often go undetected until it’s too late.
How we help: Using the 100+ signals Fingerprint collects from the device, network, and browser, Unit21 identifies high-risk sessions, like sudden geolocation changes, erratic session patterns, or repeated failed logins, especially from segments known to be vulnerable. Combined with customer risk ratings and transaction context, these sessions can be flagged or escalated instantly through real-time rules.
The outcome: Fintechs can intervene before irreversible wires or large withdrawals occur, protecting vulnerable users and preventing losses that typically fall outside fraud reimbursement policies.
Learn more about combating Elder & Emergency Scams
3. Tech-Support Scams
What’s happening: Fraudsters impersonate tech support agents and trick users into granting remote access to their devices, often via tools like TeamViewer, AnyDesk, or built-in remote desktop software. Once inside, they initiate unauthorized transactions under the guise of “resolving an issue.”
How we help: Unit21, powered by Fingerprint, can detect the use of developer tools, virtual machines, unusual session behavior, and unexpected device configurations in real time. Combined with transaction anomalies or uncharacteristic funds transfer behavior, Unit21’s real-time rules engine can pause sessions, trigger step-up authentication, or alert the fraud team for review.
The outcome: You stop unauthorized transfers while they’re in progress, preventing both financial loss and reputational damage. You also generate explainable case narratives and audit-ready context for regulatory follow-up.
Learn more about combating Tech-Support Scams
4. Geolocation Spoofing
What’s happening: Fraudsters use VPNs, GPS spoofing, or emulators to mask their true location, bypassing regional restrictions, mimicking trusted customers, or enabling cross-border fraud and sanctions evasion.
How we help: Fingerprint detects anomalies tied to a device—such as mismatched time zones, VPN and proxy use, and impossible travel—that may indicate suspicious behavior. Unit21’s real-time rules engine combines this with account metadata, transaction patterns, and customer risk scores to flag and block risky sessions before any funds move.
The outcome: Fraudulent cross-border activity is intercepted early. Your team prevents unauthorized access, reduces regulatory risk, and builds a strong narrative in the case of compliance inquiries.
Learn more about combating Geolocation Spoofing
Built-In, Not Bolted On
These aren’t one-off features or complicated add-ons. Fingerprint’s device intelligence is deeply embedded into the Unit21 platform, plug-and-play with your existing workflows, real-time rules, and case management.
Whether you're stopping login abuse or building a defensible SAR narrative, Unit21 + Fingerprint brings actionable insights into every layer of your risk operations.
The Future of Fraud Defense Is Here
Fraud is evolving faster than ever, but with the right tools, you can move even faster.
Unit21’s partnership with Fingerprint unlocks a new standard in proactive risk detection - one that’s real-time, explainable, and built for the pace of modern fintech. From device spoofing to residential proxy detection, you now have a defense layer that sees deeper, responds faster, and adapts to the threats your business actually faces.
This is fraud prevention at fintech speed.
👉 Learn more about the power of Unit21 + Fingerprint in the upcoming webinar.
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