A modular approach integrated in all-in-one solution

fraud protection dashboard

Product Overview

SMASH® is an Anti-Fraud framework based on a widespread model of Transaction Monitoring. It “learns to recognize” users of online payment services and their usual behavior thanks to Closed Algorithms, able to analyze and to correlate more than one hundred parameters.  This information is then correlated and matched with the behaviors of users themselves, determining in real time the risk factor of every transaction.

The evolution of SMASH® is based on the growing needs of EFM’s (Enterprise Fraud Management) solution, in order to provide a unique framework able to manage Anti-Fraud processes across different channels.

Download the SMASH® product sheet

Key Features

Who Is SMASH® For?

SMASH® is specifically designed for those who need to:

How Does SMASH® Work?

SMASH® core is based on a unique engine of analysis focused on behavioural analysis algorithms customizable by the user through the policy editor, an integrated tool providing complete visibility and management of rules implemented. New rules can be effortlessly created in agreement with the business-specific needs of every financial institution.

SMASH® provides an extensive catalogue of Anti-Fraud controls, as illustrated, and is able to correlate them in order to provide a unique risk score of the transaction. SMASH® provides a unique solution, implementing different layers as defense, in line with Gartner’s suggested approach (see “The Five Layers of Fraud Prevention to prevent malware frauds”).

fraud protection dashboard

SMASH® Modules

SMASH® was initially developed (and is constantly evolving) in order to protect financial institutions against internet banking frauds. It provides a wide range of powerful algorithms developed to identify and protect from phishing, account takeover and financial malware. It is possible to configure different kinds of controls to provide a deep analysis of critical transactions, correlating anti-malware checks, user behavior analysis and typical fraud pattern attacks.

The growing number of financial transactions via mobile banking determined the choice to develop a dedicated module of SMASH® to cover up the mobile banking channel.

New innovative payment services like P2P (person-to-person) and e-wallet can now be protected with an innovative solution aimed to fight fraud with security checks, correlating user behavior analysis with the risk score of the mobile device used.

SMASH® parses and analyses critical SWIFT messages (M103 and M202) in order to detect suspicious payments.


  • Easy to be integrated within SWIFT payment application, via JMS queue.
  • It provides real-time fraud protection also based on user behaviour risk analysis.
  • It implements the controls suggested by SWIFT.
  • It provides via REST API real-time risk score analysis results, to detect and block suspicious transactions.
The Analytics module extends SMASH® capabilities in the investigation of suspected events providing “snap-in” views of user activity and behaviour, transaction analysis and the relationship between entities involved in the transaction. SMASH® Analytics also provides a powerful advanced reporting tool, developed to provide advanced KPI and metrics regarding the monitored transactions, the trend of frauds and the efficiency of implemented antifraud policies.
The SMASH® for e-Commerce & POS module monitors payments generated by POS both physical and virtual.


  • Unique solution for both, acquiring and issuing needs.
  • It provides real-time fraud protection also based on user behavior risk analysis.
  • It provides via REST API real-time risk score analysis results, providing to block suspicious transactions before forwarding them to card circuits (or accept the payment).
The SMASH® Mule Monitoring module monitors digital onboarding and incoming payment to detect mule activities.


  • Prevention of brand reputation issues related to mule activities
  • Detects the registration of new mule accounts
  • Detects incoming fraudulent funds to mule account originating from other banks fraud victims (or mules)
  • Detects fund cash-out originating from mule account to other mule accounts or fraudster

Do you want to know more about SMASH®?

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