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Offer secure and seamless digital transactions with Wibmo RBA
Authenticate payments without adding friction to low‑risk transactions, powered by Wibmo FRM’s real‑time risk scoring.
What is Wibmo RBA?
Wibmo RBA enables banks, merchants, and service providers to authenticate digital payments while keeping low‑risk transactions frictionless. Using Wibmo FRM-Wibmo’s fraud detection and prevention engine—RBA decides whether a transaction needs step‑up or step‑down authentication, balancing customer experience and fraud control. It can also do real-time decline for high-risk transactions.
Frictionless for Low Risk; Step‑Up for Higher Risk decisions guided by real‑time risk assessment basis rules & AI/ML models
Configurable Business Rules applied instantly to match risk appetite and market conditions.
Analytics & Fraud Insights that support intelligent authentication outcomes.
Core Solutions
A concise view of the end‑to‑end engine-real‑time scoring, adaptive policies, and flexible challenge options that fit seamlessly into existing payment flows.
Real‑Time Risk Scoring (Wibmo FRM)
Each transaction is analyzed and scored, informing the path—frictionless, step‑up challenge, or decline. Scoring happens through a combination of rules and AI/ML models
Device fingerprinting
Capture device signals and create unique device identifiers that enables businesses to track suspicious activity patterns, prevent account takeovers, and enhance security by identifying devices across multiple sessions and transactions.
Policy Manager
Define whether a transaction requires additional authentication (challenge) or can proceed frictionlessly; customize policies by card type or BIN ranges.
Out‑of‑Band (OOB) Authentication Options
Support for OTP, biometrics, and offline OTP to optimize customer experience and meet regional requirements.
Wibmo RBA Features
At‑a‑glance controls and tooling-standards alignment, configurable rules, and actionable analytics to tune outcomes with confidence.
Increased Sales
Frictionless authentication improves customer experience and helps lift conversions.
Reduced Fraud
Intelligent, risk‑based decisions minimize fraud losses without compromising UX.
Real‑Time Decision‑Making
Every transaction is scored using best‑in‑class rules and machine learning for precise outcomes.
Why Choose Wibmo RBA?
A proven, interoperable solution backed by enterprise‑grade risk intelligence-built to scale, comply, and adapt as your needs evolve.
Backed by Wibmo FRM
Omni‑channel risk analysis and ML‑driven scoring integrated with Wibmo’s authentication platforms.
Standards & Compliance
EMV® 3‑D Secure support and PSD2 SCA compliance; adopted even in non‑regulated markets for added security with less friction.
Proven Scale & Reach
Designed for high‑volume environments with broad issuer footprints.