Protect payments, users, and platforms with real-time fraud detection and risk intelligence. 

Viyona’s FRM Solution helps banks, NBFCs, and fintechs identify suspicious activity, prevent fraud, and reduce financial risk across digital payment channels.
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Key Features

  • Real-Time Transaction Risk Monitoring

    Analyze transactions instantly to detect suspicious activity and high-risk behavior patterns.

  • Configurable Rule-Based Detection Engine

    Define rules based on transaction amount, frequency, device signals, location, and user behavior.

  • Anomaly & Pattern Recognition

    Identify unusual transaction patterns that may indicate fraud attempts.

  • Multi-Channel Fraud Coverage

    Protect payment flows across UPI, IMPS, BBPS, Autopay, and digital platforms.

  • Risk Scoring & Alert System

    Assign risk levels to transactions and generate alerts for suspicious activities.

  • User Behavior Profiling

    Track usage patterns and detect deviations that may signal account takeover or misuse.

  • Case Management Support

    Enable operations teams to review flagged transactions and take action quickly.

  • Secure & Compliant Monitoring Layer

    Maintain logs, traceability, and audit-ready records for compliance and investigation.

How FRM Works

  • Transaction Monitoring

    Every transaction is analyzed in real time as it flows through the system.

  • Risk Rule Evaluation

    Predefined rules evaluate transaction parameters like amount, frequency, and behavior patterns.

  • Risk Scoring

    Each transaction is assigned a risk score based on detected anomalies.

  • Alert & Flagging

    Suspicious transactions are flagged for review or automated action.

  • Action & Investigation

    Operations teams can review cases, block transactions, or initiate further verification.

REGUREGULATOR-WISE FOR FRM

Usecases 

Banks
  • Detect unusual account activity
  • Prevent unauthorized fund transfers
  • Monitor high-risk transactions
NBFCs
  • Identify fraudulent loan applications
  • Monitor repayment fraud patterns
Fintech Platforms
  • Protect users from account takeover
  • Monitor suspicious payment behavior
Payment Platforms
  • Prevent misuse of payment channels
  • Flag abnormal transaction spikes
Enterprises
  • Secure digital payment ecosystems
  • Reduce fraud-related financial losses

Why Choose Viyona Fintech for FRM?

  • Proactive Fraud Prevention Layer

    Identify risks before financial loss occurs through real-time monitoring.

  • Customizable Risk Detection Framework

    Define institution-specific rules based on risk appetite and transaction patterns.

  • Unified Fraud Monitoring Across Channels

    Single platform to monitor multiple payment rails and digital services.

  • Real-Time Alerts & Actionability

    Immediate insights help teams respond faster to suspicious activity.

  • Scalable for High Transaction Volumes

    Designed to monitor large payment ecosystems without performance impact.

  • Improved Trust & Customer Safety

    Strengthen platform credibility by reducing fraud incidents.

  • Audit & Compliance Support

    Maintain detailed logs for regulatory reporting and internal investigations.

Start Your FRM Integration

Share your details and our onboarding team will guide you through technical integration, certification, and production deployment of your FRM setup.

    OUR EXPERT'S ANSWER

    Commonly Asked Questions 

    What is FRM in payments?
    FRM (Fraud Risk Management) is a system that monitors transactions to detect and prevent fraudulent activity in real time.
    How does it detect fraud?
    Using rule-based logic, behavioral analysis, and transaction pattern monitoring.
    Can it work across multiple payment channels?
    Yes. It can monitor UPI, IMPS, BBPS, Autopay, and other digital transaction flows.
    Can rules be customized?
    Yes. Organizations can configure detection rules based on risk tolerance and business needs.
    Does it impact transaction speed?
    No. It is designed to analyze transactions in real time without affecting performance.
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