# How SoFi Can Eliminate Identity Fraud Without Compromising Growth

## When Trust Drives Growth, Identity Must Defend It

Incode can help SoFi reduce fraud, strengthen mobile security, and scale compliance with a fully proprietary, real-time identity platform—purpose-built for modern digital banking.

## **The Problem: Fintech Growth Has a New Bottleneck: Identity Risk**

From onboarding scams to mobile takeovers, SoFi operates in a high-threat environment. Where fraudsters constantly try exploiting weak verification and mobile session gaps, trust is at stake. Legacy ID stacks and patchworked vendor chains can’t keep up.

## The Solution **: Incode Could Enable SoFi to Secure Every User’s Touchpoint With the Latest Identity Infrastructure**

One Identity Platform. Zero Third-Party Limitations.

Built in-house. Adaptable in real time. Trusted by global financial leaders.

#### **\> AI-based ID document analysis 
and forgery detection**  
#### \> Proprietary face match with biometric liveness  
#### \> Behavioral risk scoring for logins 
and transactions  
#### \> Biometric re-verification for 
high-risk mobile actions  
#### \> Audit-ready compliance trails, 
no vendor opacity

## What SoFi Will Gain with Incode’s Identity-First Approach

1. **Prevent Multi-Account and Synthetic Fraud at Onboarding**  
   Proprietary models trained on fraud-specific patterns stop bad actors early  
2. **Secure Mobile Workflows Without Disrupting UX**  
   Biometric checks and behavioral risk detection defend sessions—without friction
3. **Prove Compliance with Confidence**  
   Full transparency and auditability across identity workflows and decisioning.

## From Reactive Security to Proactive Trust at Scale

81%  
**fewer successful synthetic ID-based fraud attempts**  
67%  
**improvement in biometric authentication pass rate**  
90%  
**onboarding completion time under 1 minute**  
47%  
**Compliance audit readiness improval**

## **Trust Can’t Be Bolted On—It Has to Be Built In**

Incode can give SoFi the control, speed, and accuracy to scale securely—without compromising user experience or compliance integrity.

### Secure Your Growth with Incode

The next generation of fraud is already here. Let Incode help you stop it before it stops your growth.

### Why Incode?

\> Preserve Privacy with 100% Automation  
\> Process Decisions with Lightning Speed  
\> Guarantee Accuracy with continuously advancing AI/ML