Next-Generation Fraud & Risk Management Capabilities
Fraud Detection
Real-Time Monitoring
Risk Scoring
Fraud Rules
Risk Analytics
Auto Decisions
Customer story
Hayat Finans
Formica AI empowers digital banks to stay ahead of evolving financial crime with AI-driven, real-time fraud prevention and intelligent risk management capabilities.
Hayat Finans, Türkiye's First Digital Bank, Chooses Formica AI for Its Fraud Detection & Prevention Processes
Hayat Finans benefits from Formica AI to detect fraud risks in real time, protect digital transactions, and make faster risk decisions with AI, creating a safer and smoother digital banking experience for its customers.
about hayatfinans
Hayat Finans, Türkiye’s first digital bank, combines advanced technology with a customer-first approach to provide secure, fast, and seamless banking services for individuals and businesses through fully digital channels and tailored financial solutions.
20
B+
Transactions Annually
<10
ms
Processing Latency
5
M+
Fraud Prevented
Up to
68%
Fewer False Positives
The Challange
As Türkiye’s first digital bank, Hayat Finans operates in a fast-moving environment where every interaction takes place through digital channels. This model requires strong fraud controls that can protect customers without slowing down their banking experience.
Growing transaction volumes and changing fraud patterns created a need for faster detection and real-time risk monitoring. Hayat Finans needed to identify suspicious activity early while keeping false positives and unnecessary customer friction under control.
The challenge was to build a fraud prevention approach that could grow with the bank. Hayat Finans needed a flexible, scalable and data-driven solution that could support rapid risk decisions, adapt to new threats, and provide secure digital banking at scale.
What did
Formica AI do?
Formica AI helped Hayat Finans build a smarter fraud prevention structure designed for digital banking. With real-time transaction monitoring and AI-driven risk analysis, the bank can detect suspicious behavior faster, assess risk as transactions happen, and take timely action without disrupting the experience of trusted customers.
The platform brings advanced fraud rules, AI models, and risk insights into a single environment, giving Hayat Finans greater visibility and control. By adapting to changing fraud patterns, Formica AI supports faster decisions, reduces manual effort, and helps risk teams focus their attention on cases that require deeper review.
Beyond fraud detection, Formica AI provides a flexible and scalable foundation that supports the bank’s growing digital operations. Its scalable technology allows Hayat Finans to strengthen protection as transaction volumes grow, respond to new risks with greater speed, and maintain a secure banking journey while supporting long-term growth and operational efficiency.
Achievements
- Earlier Detection of Emerging Fraud Patterns
- End-to-End Protection Across Digital Banking
- Automated Fraud Monitoring and Review
- Faster Risk Decisions with AI-Enhanced Insights
- Scalable Fraud Management for Digital Banking
Contact us
Build Trust.
Manage Risk Smarter.
Discover how Formica AI helps businesses detect financial crime, manage risk, and strengthen compliance with AI-native technology.
Your benefits:
- AI-Native
- Real-Time
- Scalable
- Low Latency
- Easy Integration
- Proven Expertise
What happens next?
1
We understand what you truly need
2
We connect you with our team of experts
3
We tailor the right solution for you