Articles, Insights and more
The latest in fraud prevention, risk management, exponential growth, and Shruhani news.
Fraud16 min readSmurfing in Banking: Meaning, Examples & How to Stop It
Learn what smurfing is in banking, how smurfing money laundering works, common examples, cuckoo smurfing, red flags, and how banks detect and prevent it.
Read articleKajal BhardwajSep 23, 2026
Fraud16 min readBusiness Email Compromise (BEC): What It Is, How BEC Scams Work, and Real-World Examples
Business email compromise (BEC) is a fraud where criminals impersonate trusted people to steal money or data. Learn how BEC scams work, types, examples, and prevention.
Read articleKajal BhardwajSep 22, 2026
Fraud25 min readWhat Is a Mule Account? Meaning, Detection & Prevention Guide
A mule account is a bank account used to receive and transfer illegally obtained money. Learn how mule accounts work, their warning signs, detection methods, and prevention.
Read articleKajal BhardwajSep 21, 2026
Fraud15 min readPositive Pay System Explained: How Banks Auto-Detect and Stop Cheque Fraud
Positive Pay is a banking system that verifies cheque details before payment to help detect and prevent cheque fraud. Learn how it works.
Read articleKajal BhardwajSep 20, 2026
Fraud13 min readCustomer Due Diligence (CDD): Full Form, Meaning & How It Works in Banking
Customer Due Diligence (CDD) is the process financial institutions use to identify customers, verify their identity, assess risk, and monitor financial activity to prevent fraud and financial crime.
Read articleKajal BhardwajSep 16, 2026
Fraud13 min readGlobal Fraud Index 2026: Which Countries Are Winning (and Losing) the Fraud Fight
See the Global Fraud Index 2026 rankings the top 10 most fraud-exposed countries, why scores shift yearly, and what it means for fraud detection.
Read articleDeepak GusainSep 14, 2026
Fraud15 min readFraud Detection & Prevention: Methods, Techniques & Best Practices
Learn the best fraud detection and prevention practices, including AI, device intelligence, risk scoring, fraud rings, and real-time monitoring.
Read articleAmit ChahalSep 11, 2026
Fraud23 min readCredit Card Fraud Detection: Complete Guide to Types, Prevention & Detection
Learn how credit card fraud detection works, key fraud types, detection methods, red flags, and prevention strategies banks and fintechs need.
Read articleArvinder SinglaSep 10, 2026
Fraud19 min readMule Account Fraud: Why KYC Alone Cannot Stop It
Learn how mule accounts fraud works, why KYC alone cannot stop it, and how banks can detect mule accounts using Shruhani’s device and network intelligence.
Read articleKajal BhardwajSep 8, 2026
Fraud18 min readWhat Is Keystroke Dynamics? Benefits, Uses & How it Works
Learn what keystroke dynamics is, how it works, and how behavioural biometrics strengthens fraud detection and identity verification. Discover how Shruhani helps detect account takeover and suspicious activity with continuous authentication. Book a demo today.
Read articleAmit ChahalAug 31, 2026
Fraud15 min readWhat Are Fullz? Complete Guide to Stolen Identity Data
Learn what fullz means, how fullz fraud works, and how businesses can detect and prevent stolen identity attacks with Shruhani.
Read articleArvinder SinglaAug 30, 2026
Fraud16 min readWhat Is Enhanced Due Diligence (EDD)? Complete Guide
Enhanced Due Diligence (EDD) in KYC is a deeper, risk-based verification process for high-risk customers. Learn how EDD helps detect money laundering, fraud, and terror financing risks.
Read articleAmit ChahalAug 27, 2026
Fraud16 min readHow to Report Cyber Fraud in India: 1930 Helpline & Cybercrime.gov.in Guide
Learn how to report cybercrime in India through the 1930 helpline and NCRP portal, including complaint filing, evidence, tracking, and recovery steps.
Read articleArvinder SinglaAug 26, 2026
Fraud14 min readWhat Is Carding? Complete Guide to Card Fraud
Learn what carding is, how stolen card data is tested and misused, and how merchants and banks can detect card testing, payment fraud, and automated attacks.
Read articleAmit ChahalAug 25, 2026
Fraud17 min readWhat Is Device Fingerprinting? How It Stops Fraud in Real Time
Learn what device fingerprinting is, how it works, and how it helps detect fraud in real time. Explore key techniques, use cases, evasion methods, and compliance. Slug: what-is-device-fingerprinting-how-it-stops-fraud-in-real-time
Read articleArvinder SinglaAug 24, 2026
Fraud15 min readWhat Is Cyber Fraud? Types, Real Examples & How to Report It in India
Learn what cyber fraud is, its common types in India, how fraudsters exploit digital identities and payments, and the laws used to address cyber fraud.
Read articleArvinder SinglaAug 21, 2026
Fraud18 min readWhat Is Fraud Detection? Types, Methods & How It Works
Learn what fraud detection is, how it works, and the key methods used to identify suspicious activity, detect fraud patterns, and prevent financial and digital fraud.
Read articleAmit ChahalAug 20, 2026
Fraud21 min readWhat Is Biometric Verification? A Complete Guide
Learn what biometric verification is, how it works, its types, benefits, and role in fraud prevention. Discover how biometric authentication helps verify identities securely.
Read articleArvinder SinglaAug 18, 2026
Fraud13 min readWhat Is a Digital Footprint? A Guide to Fraud Prevention
Learn what a digital footprint is, how it works, and how businesses use digital footprint analysis to detect fraud, strengthen KYC, assess risk, and enable safer digital onboarding.
Read articleAmit ChahalAug 13, 2026
Fraud18 min readWhat Is Browser Fingerprinting? The Complete Guide
Learn what browser fingerprinting is, how it works, key fingerprinting techniques, and how businesses use it to detect fraud, bots, account takeover, and abuse.
Read articleArvinder SinglaAug 11, 2026
Fraud16 min readAI Fraud Detection: The Complete Guide for Banks & Fintechs in 2026
AI fraud detection is the use of artificial intelligence and machine-learning models to identify potentially fraudulent activity.
Read articleAmit ChahalAug 10, 2026
Fraud11 min readFintech Fraud Detection Rules Every Fintech Should Implement
Fintech fraud detection rules explained. Learn how banks, NBFCs, and fintech companies can prevent fraud, reduce losses, and strengthen compliance.
Read articleArvinder SinglaAug 5, 2026
Fraud12 min readAccount Takeover (ATO) Fraud: Detection, Prevention, and AI-Powered Solutions
Discover how AI-powered account takeover detection uses behavioural biometrics, device intelligence, and risk scoring to prevent ATO fraud in real time.
Read articleAmit ChahalAug 4, 2026
Fraud10 min readWhat Is a Money Mule? Understanding Mule Accounts in Modern Fraud
Learn what a money mule account is, how fraudsters use real bank accounts to move stolen funds, why KYC checks fail, and how Shruhani detects mule activity.
Read articleAmit ChahalJul 30, 2026
Fraud10 min readWhat Is Behavioral Biometrics? A Complete Guide
Learn what behavioural biometrics is, how it continuously verifies user identity, detects fraud in real time, and strengthens digital security beyond passwords and OTPs.
Read articleAmit ChahalJul 29, 2026
Fraud8 min readWhat Is Synthetic Identity Fraud? How Fraudsters Create Customers Who Don't Exist
Learn what synthetic identity fraud is, how fraudsters create fake identities, and how Shruhani's AI-powered fraud detection prevents onboarding fraud and financial losses.
Read articleArvinder SinglaJul 28, 2026
Fraud8 min readKYC vs. Fraud Intelligence: What’s the Difference
India’s digital environment is growing fast, with more people opening accounts online, making payments, and using UPI to deal with money.
Read articleAmit ChahalJul 24, 2026
Fraud11 min readWhat Your Apps Know That Credit Bureaus Don't | Shruhani
40 installed apps reveal more about your financial behaviour than any bureau score. Here's how appographic intelligence is fixing India's NTC credit gap.
Read articleArvinder SinglaMay 18, 2026
Growth11 min readThe Graph Behind the Fraud Ring: How Cross-Entity Data Surfaces Connections That Rules Never Find
503 fraud rings hiding inside 87,000 clean loan applications. The graph data architecture that found them in 72 hours, what nodes and edges actually mean operationally, and why every rule-based fraud system in Indian lending is blind to organised rings.
Read articleAmit ChahalMay 14, 2026
Fraud11 min readProject Nexus Connects Five National Rails. Its Fraud Defence Connects None of Them.
The Bank for International Settlements is launching Asia's biggest multilateral payment rail this year. The governance entity managing it has no fraud mandate. What India, Singapore, and three other countries need to understand before the switch flips.
Read articleAmit ChahalMay 12, 2026
Fraud11 min readIndia Receives ₹11.2 Lakh Crore in Remittances Every Year. It's Also Quietly Exporting Its Fraud Playbook.
World's largest inbound remittance flow meets world's most-exported instant payments rail. Two cross-border stories, one country, almost no shared audit. What India's banks and PSPs need to understand about a structurally invisible fraud surface.
Read articleArvinder SinglaMay 12, 2026
Fraud8 min readAsia's Cross-Border QR Boom Has a Fraud Problem Nobody Is Costing Yet
Asia's cross-border QR rails are scaling faster than their fraud defences. ₹4,245 crore in domestic fraud, zero cross-border framework, and the signal layer that actually travels.
Read articleArvinder SinglaMay 11, 2026
Fraud11 min readHow Real-Time AI Stops Identity Fraud Before Financial Loss Happens
Discover how real-time AI fraud detection prevents identity fraud using device intelligence, behavioral biometrics, and digital footprint signals, before fraudsters can onboard or transact.
Read articleAmit ChahalApr 9, 2026
Risk11 min readHow Real-Time Detection Protects Against Account Takeover (ATO) in Digital Banking
Learn how real-time fraud detection prevents account takeover (ATO) in digital banking using device intelligence, behavioral biometrics, session monitoring, and AI-driven risk scoring.
Read articleArvinder SinglaApr 9, 2026
Fraud8 min readHow Machine Learning Detects Synthetic Identity Fraud in Real Time
Synthetic identity fraud is the fastest-growing financial crime of the decade. Here's how modern ML models are catching it before it costs you.
Read articleAmit ChahalMar 23, 2026
Fraud8 min readExplainable AI in Fraud Detection
Discover why banks & fintechs need Explainable AI in fraud detection for compliance, fewer false positives, and audit-ready models. See how Shruhani.ai delivers transparency at scale.
Read articleArvinder SinglaMar 23, 2026
Fraud6 min readBeyond Rules: Why Behavioural AI Is the New Frontier in Account Takeover Prevention
Account takeover (ATO) fraud has evolved from opportunistic credential stuffing into a sophisticated, AI-augmented enterprise. Legacy rule-based defences — IP blocklists, rate limiters, static device fingerprints — are no longer enough. The threat actors of 2025 don't just steal passwords; they mimic legitimate user behaviour with startling precision. The question is no longer who logged in — it's how they logged in, and whether that behaviour matches the person who owns the account. At Shruhani.ai, we believe the answer lies in behavioural AI: a continuous, context-aware intelligence layer that stops attackers not at the gate, but mid-stride.
Read articleArvinder SinglaMar 18, 2026
Fraud11 min readFraud Managemen: Why It’s a Strategic Necessity for Digital Businesses in 2026
Fraud is no longer an isolated operational risk it is now an industrialised digital economy. From fake account creation and synthetic identity abuse to onboarding fraud, payment manipulation, and mule networks modern fraud attacks are faster, automated, and scalable across platforms.
Read articleAmit ChahalFeb 23, 2026
Growth11 min readDigital Lending Fraud in 2026: Types, Attack Methods & Prevention Strategies for Financial Institutions
Digital lending has fundamentally transformed the credit delivery ecosystem by enabling financial institutions to originate, underwrite, and disburse loans entirely through app-based and web-based onboarding journeys. Today’s digital lending platforms support instant borrower onboarding, automated risk assessment, paperless KYC verification, real-time underwriting, and same-day loan disbursal significantly improving credit accessibility for underbanked and digitally native borrower segments.
Read articleArvinder SinglaFeb 23, 2026
Fraud11 min readHow Device Intelligence Helps Prevent Account Creation Fraud in Digital Platforms
Account creation fraud is rising across fintech, e-commerce, and mobility platforms. Learn how device intelligence helps prevent fake sign-ups, bonus abuse, and synthetic identity fraud in real time.
Read articleAmit ChahalFeb 23, 2026
Fraud11 min readHow Enterprises Can Defend Against Networked, Industrial-Scale Fraud in 2026
Fraud is no longer a series of isolated attacks. It is now an organized, technology-enabled economy operating at industrial scale. In 2025–2026, financial crime has crossed a structural threshold. Criminal groups now operate like distributed enterprises, using shared infrastructure, automation, and real-time coordination across accounts, devices, and platforms. For SMEs, fintechs, banks, and NBFCs, this changes the nature of defense entirely.
Read articleAmit ChahalFeb 11, 2026
Fraud11 min readWhy the Future of Financial Crime Prevention Is Collaborative And Why Fintech, Banks & NBFCs Can’t Fight Alone in 2026
Financial crime is no longer a collection of isolated incidents. It has evolved into a coordinated, technology-enabled economy that operates across platforms, institutions, and geographies, often faster than traditional controls can respond. For Fintech, banks, fintechs, and NBFCs, this shift is redefining what effective fraud prevention looks like. The institutions still operating in silos are increasingly fighting yesterday’s threats while organized networks operate with modern, shared infrastructure.
Read articleAmit ChahalFeb 11, 2026
Fraud11 min readHow Can You Stop Social Engineering Frauds Using Behavioural Biometrics?
Behavioural biometrics technology is emerging as the most effective approach to real-time fraud detection in banking and fintech, especially as social engineering fraud, account takeover attacks, and money mule networks rise sharply in 2025. Traditional fraud detection software for banks relies on credentials, devices, and one-time authentication — but modern fraud succeeds after login, when users are manipulated into acting against their own interests. This is why behavioural biometrics, intent-based security, and digital trust architecture are now central to AI fraud detection in banking (2025)
Read articleAmit ChahalFeb 3, 2026
Growth11 min readWhy Modern Fraud Succeeds Even When Passwords, OTPs, and MFA Don’t fail
In 2026, digital fraud no longer relies on hacking systems — it manipulates people. Passwords, OTPs, and MFA verify access, but they cannot detect intent. This article explains how behavioural biometrics enables real-time fraud detection by analysing how users interact during a session, uncovering social engineering scams, account takeover attacks, money mule networks, and user coercion — even when credentials are valid. Learn why behaviour is the missing layer in digital trust architecture for banks, fintechs, and NBFCs.
Read articleAmit ChahalJan 28, 2026
Growth8 min readBehavioral Intelligence for Fraud Prevention: Understanding Users Beyond Devices
Discover how behavioral intelligence prevents fraud by analyzing user behavior across devices and sessions. Learn how India’s FinTechs are adopting this new layer.
Read articleAmit ChahalJul 4, 2025
Growth7 min readAuthorised Push Payment (APP) Fraud Explained: What It Is and How to Prevent It
A growing threat in real-time payments, APP fraud relies on deception rather than hacking. Learn how it works and the tools to fight back.
Read articleAmit ChahalJun 24, 2025
Fraud9 min readBrowser Spoofing: Detection and Prevention Guide
Explore the evolving landscape of browser spoofing, from user-agent manipulation to advanced fingerprinting methodologies.
Read articleAmit ChahalJun 17, 2025
Fraud9 min readWhat is Browser Fingerprinting? How It Works & Why It Matters
Exploring the A to Z of Browser fingerprinting and its role in fraud prevention.
Read articleAmit ChahalMay 7, 2025
Growth7 min readA Comprehensive Overview Of The DPDP Act 2023
Explore the DPDP Act to navigate India's new data privacy and protection landscape.
Read articleAmit ChahalSep 3, 2024
Growth6 min readDigital Footprinting: Transforming Fraud Detection
Adopt the new fraud prevention techniques to detect potential online fraud with the digital footprinting assessment during the customer verification process.
Read articleAmit ChahalAug 25, 2024
Fraud8 min readInsights And Solutions To The Rising Threat Of Synthetic Identity Theft
Synthetic identity fraud is where a fraudster fabricates an individual’s personal credentials to conduct malicious activities
Read articleArvinder SinglaAug 23, 2024
Fraud7 min readWhat is Loan Fraud? Types and Their Impact
Loan fraud is a deceitful action to successfully obtain a loan application approved through illicit methods like falsifying documents, phishing scams, etc.
Read articleArvinder SinglaAug 21, 2024
Fraud8 min readFraud Threats in the iGaming Industry and Ways to Prevent
Increase in iGaming industry fraud attacks is raising fraud prevention concerns in the industry. Identify the types of fraud and prevention techniques.
Read articleArvinder SinglaAug 1, 2024
Fraud4 min readReal-time Fraud Detection: Leveraging Artificial intelligence (AI) for Enhanced Security
How Shruhani enhances security in Fintech, Gaming, and Marketplace Sectors leveraging Artificial intelligence for real-time fraud detection.
Read articleArvinder SinglaMar 26, 2023
Fraud6 min readUnderstanding the Rise of Fintech-Related Frauds in India
Increasing Fintech Frauds in india are a real threat to Fintech indistry. Real-time monitoring and alerting can help companies detect frauds before they cause significant damage
Read articleAmit ChahalMar 25, 2023
