Detect scripted logins, sign-ups, and code requests at banks and fintechs
Fraud and identity checks decide whether a person or payment is legitimate. Bots reach the login, the application form, and the one-time-code request first. Centinel evaluates how those requests were made, so the scripted volume meets friction before your fraud tools see it.
Request a site auditThe attack starts before the fraud check
Credential stuffing, scripted applications, and code-request abuse use the same public routes as customers, and they can run many attempts before a fraud score sees a pattern. Every attempt that reaches a login, an identity check, or an SMS gateway has a cost. That scripted volume is the part bot protection is for.
Read the researchWhat the traffic looks like
Leaked passwords, replayed
Credential-stuffing tools (OWASP OAT-008) replay username and password pairs from other breaches against online banking and app logins.
Applications opened by script
Scripts fill in account-opening and sign-up forms in bulk to claim sign-up bonuses or create accounts for later misuse (OWASP OAT-019).
One-time codes sent on repeat
Scripts trigger SMS and email code requests again and again, which costs the institution for every message and can flood a customer's phone.
What runs against this traffic
Evidence on login routes
In supported login flows, Centinel evaluates the client environment and request alongside the session instead of trusting the form fields alone.
Scripted login attempts can be challenged or blocked before they reach authentication. Centinel does not decide whether credentials are stolen.
Read moreEvidence around applications and sign-up
In supported sign-up flows, Centinel evaluates browser and request evidence in addition to the values submitted in the form.
Applications submitted by automation can be reviewed or restricted before identity checks run. Centinel does not verify identity or replace KYC.
Read moreA bounded policy for code requests
One-time-code and resend routes can carry their own response, separate from the login page.
Repeated scripted code requests can be rate-limited or challenged before the message is sent.
Read moreEvidence around card setup
In supported web flows, Centinel evaluates browser and request evidence around add-card and payment steps.
Card testing through card setup can be limited before it reaches the processor. Payment decisions stay with your provider.
Read more
Want to see what reaches your site?
Start with a free scraping audit: tested tools, exposed pages, and fixes to consider, reviewed by hand and emailed to you. This checks scraping exposure, not every abuse pattern or all production traffic. Discuss broader workflow coverage in a demo.
Banking & fintech: common questions
What platform and security teams ask before they deploy.
What is credential stuffing in banking?
Credential stuffing is the automated replay of username and password pairs leaked from other sites against a bank's login. It works because people reuse passwords. OWASP catalogs it as OAT-008, and it is a common way into account takeover.
Does bot protection replace fraud scoring or KYC?
No. Bot protection asks how a request was made; fraud scoring and KYC ask who the person is and whether a transaction is legitimate. Bot protection removes scripted volume at the login and application forms, so the fraud tools work on fewer, more real attempts.
How do banks stop OTP and SMS abuse?
Give the code-request and resend routes their own limits and challenge requests with weak evidence before a message is sent. A limit on the phone number alone is not enough, because scripts rotate numbers.
Will bot protection block approved aggregators?
It should not. Approved aggregators and API partners can keep an explicit policy on the routes they use, based on the credentials your API already checks. Clients that log in by driving a browser as the customer are the harder case; decide whether you allow them before a rule decides for you.
Can bots open bank accounts?
Bots can fill in and submit account-opening forms at scale, often with stolen or made-up details. Identity checks exist to catch them, but each check has a cost. Evidence about how the form was submitted lets you challenge scripted applications before those checks run.