Fraud screening at the point of credit

Motor finance combines high‑speed lending with complex dealer and broker networks. Fraud often repeats across lenders and channels. Synectics applies shared fraud intelligence in real time, enabling:

• Sub‑second screening at application and in‑life

• Earlier detection of repeat and organised behaviour

• Consistent decisions across dealer and broker networks

• Reduced reliance on downstream investigation and loss prevention.

The result is cleaner books, more confident pricing and fewer surprises after approval.

BNPL operates at extreme volume with minimal friction. In this model, fraud rarely looks suspicious in isolation. Risk emerges through velocity, repetition and network behaviour.

Synectics helps BNPL providers:

• Detect repeat behaviour across lenders in real time

• Identify synthetic and manipulated identities earlier

• Apply proportionate controls that protect conversion

• Turn instant approvals into informed approvals.

When speed defines the customer experience, shared fraud intelligence is the critical enabler.

Bridging and development lending presents a different risk profile - fewer deals but significantly higher exposure. Here, the challenge is not scale, it is visibility. Risk hides in undisclosed connections, misrepresented identity and limited insight beyond the immediate transaction.

Synectics supports bridging and development lenders by providing:

• Pre‑screening of applicants and associated entities

• Visibility of links across directors, addresses and counterparties

• Earlier identification of identity fraud and misrepresentation

• Risk insight that supports speed without undermining confidence.

Endorsed by the BDLA, our approach strengthens due diligence while keeping deals moving.