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D8 Corporation: Industry Demand for Fraud Prevention and Customer Verification Network APIs

Mobile operators are being called upon to expose trusted network intelligence APIs that help financial institutions combat real-time fraud, strengthen customer verification and improve digital payment security.

About enterprise API demands

As instant payments become the global standard, fraud detection windows have shrunk from days to milliseconds. At the same time, financial institutions face growing threats from authorised push payment (APP) fraud, account takeover, SIM swap attacks, synthetic identity fraud and increasingly sophisticated social engineering scams.

D8 Corporation delivers enterprise fraud prevention, AML and risk management solutions through its Stronghold™ platform, supporting banks, payment service providers, fintechs and electronic money institutions across international markets. While existing fraud platforms analyse banking and behavioural data, they often lack access to one of the most authoritative sources of trust: mobile network intelligence.

Mobile operators hold verified information about customer identities, devices and network activity that can significantly strengthen fraud prevention and customer verification. Signals such as SIM swap events, number verification, device location, roaming status and trusted device identity provide valuable context during customer onboarding, authentication and high-risk payment decisions.

D8 Corporation is therefore calling on mobile operators to expose standardised Network APIs aligned with GSMA Open Gateway and CAMARA. By integrating these APIs into fraud and AML platforms, financial institutions can strengthen risk scoring, improve customer verification, reduce fraud losses and deliver safer digital financial services while maintaining a seamless customer experience.

The message from industry is clear: mobile networks are becoming a critical trust layer for the future of digital finance.

Problem

A red outline of a padlock is centered within a circle, surrounded by eight connected nodes, symbolizing online security, protection, or network safety on a light gray background.

Financial institutions increasingly need trusted, real-time intelligence beyond traditional banking data to identify compromised accounts, detect fraud and verify customer identities without adding unnecessary friction to legitimate transactions.

Solution

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Standardised Network APIs provide authoritative, operator-verified intelligence that strengthens fraud detection, customer verification and AML processes by adding trusted mobile network signals into real-time decision making.

API service

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SIM Swap, Number Verification, KYC Match, Device Location Verification, Device Roaming Status and Device Identifier APIs supporting fraud prevention, customer authentication, digital onboarding, transaction monitoring and real-time risk assessment.

Impact

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Reduced fraud losses, stronger customer verification, improved AML and risk management, fewer false positives, enhanced digital payment security, better customer experiences and new enterprise API revenue opportunities for mobile network operators.

More information

What is the D8 Corporation market demand statement?

D8 Corporation is calling on mobile operators to expose standardised fraud and identity Network APIs that enable financial institutions to strengthen fraud prevention, customer verification and AML processes using trusted mobile network intelligence.

Why should mobile operators act now?

Instant payment networks and digital financial services continue to grow rapidly, while fraud techniques become increasingly sophisticated. Financial institutions require trusted network-level signals to improve real-time fraud decisions and protect customers from emerging threats.

How does GSMA Fusion help?

GSMA Open Gateway and CAMARA provide a globally standardised framework for exposing network capabilities through interoperable APIs, enabling financial institutions and fraud platforms to integrate trusted mobile network intelligence consistently across operators and markets.

Market snapshot

Instant payment networks such as SEPA Instant, Pix and FedNow have dramatically reduced the time available to detect and stop fraud.

APP fraud, SIM swap attacks, synthetic identity fraud and account takeover continue to increase across digital financial services.

Mobile network operators possess authoritative customer and device intelligence that can significantly improve fraud detection and customer verification.

D8 Corporation is prioritising API availability across the United Kingdom, Armenia, Georgia, Latvia, Estonia, Lithuania, Uzbekistan, Kyrgyzstan, Ukraine and Egypt, with further expansion planned across MENA, Sub-Saharan Africa and Latin America.

GSMA Open Gateway APIs are emerging as a key enabler of trusted, interoperable fraud prevention services that strengthen digital finance while creating new enterprise opportunities for mobile operators.

Partners

This initiative is supported by:

Download the full Statement of Requirements

D8 Corporation Statement of Requirements