Bureau launches Adaptive auth & mobile RASP to protect end-to-end customer journeys. Bureau announced the launch of Adaptive Authentication and Bureau RASP (Runtime Application Self-Protection) at the Global Fintech Fest (GFF) 2026. The dual release advances Bureau's vision to safeguard every stage of a customer's digital journey by bridging the gap between Identity, Fraud, and Application Security. The Vision: Convergence of Identity, Fraud, and Cybersecurity Modern digital interactions operate across an increasingly hostile landscape where cyberattacks and financial fraud are deeply intertwined. Traditional point solutions evaluate risk in isolation, forcing enterprises to deploy disconnected tools for identity verification, behavioural analytics, and mobile security. This siloed approach creates friction for genuine users, generates high false-positive rates, and leaves blind spots between authentication and transaction execution. Bureau's unified platform eliminates these boundaries by mapping Identity, Behavior, and Network intelligence into a single decisioning core. This ensures that every digital journey, from account opening to login, beneficiary addition, and high-value fund transfers, is continuously evaluated for risk. Core Solution Architecture & Key Capabilities Adaptive Authentication: Continuous, Unified Journey Protection. Rather than relying on static, point-in-time checks at login, Adaptive Authentication evaluates user interactions continuously throughout the session. By dynamically synthesizing identity profiles, behavioral biometrics (e.g., typing rhythm, navigation patterns), device posture, and transaction velocity, the engine provides high-precision risk scoring across onboarding, login, UPI, net banking, cards, and digital wallets. Precision & Performance: In early pilot deployments across tier-1 corporate banking and retail digital brands, Adaptive Authentication achieved a 50-60% increase in high-risk fraud detection and a 5-6% reduction in false positives, triggering step-up authentication for only 1 in 70 sessions. Bureau RASP: An Automated Kill Switch for Application Runtime. Serving as the frontline security layer, Bureau RASP provides real-time protection at the mobile app and operating system execution boundary. Powered by Bureau's proprietary virtual machine framework (XVM), it encrypts critical application logic into a private instruction format that prevents reverse engineering, code injection, and binary tampering. * Automated Kill Switch: When RASP detects active threats such as rooted or jailbroken devices, emulator farms, location spoofing, hooking frameworks (e.g., Frida, Xposed), or man-in-the-middle proxy interception, it decides an immediate application kill switch. Security teams can configure automated policies to silently monitor, warn, or instantly terminate compromised sessions before fraudulent payloads reach payment rails. Zero-Code Enterprise Integration: Security and application teams can repackage and deploy protected mobile application builds (APK/IPA) in minutes directly via the Bureau dashboard, requiring zero changes to underlying application source code or development roadmaps. The Unified Network Advantage (Graph Identity Network): Uncompromised runtime signals collected by Bureau RASP feed directly into Bureau's Graph Identity Network (GIN). By correlating verified telemetry across identities, devices, accounts, and cross-institutional transaction flows globally, Bureau surfaces hidden fraud rings and mule networks before attacks escalate. Executive Vision "To protect modern digital journeys, institutions can no longer treat Identity, Fraud, and Cybersecurity as separate functions," said Ranjan R. Reddy, Founder & CEO of Bureau. "Evaluating identity without behavioral context overlooks crucial risk signals. Evaluating behavior without runtime application security leaves the protection job undone as systems remain exposed to spoofed telemetry. "By mapping Identity, Behavior, and Network signals through our unified Adaptive Authentication platform, we are giving CROs, CISOs, and Product Leaders complete visibility across the customer journey, while Bureau RASP provides the essential kill switch at the application layer to block compromised code. Risk gets evaluated, and actions decided right where money moves. This is the architecture required to build resilient digital institutions capable of outpacing AI-driven attacks today, and supporting autonomous transacting agents, tomorrow."

Bureau's Global fraud report highlights $442B exposure as AI collapses attack costs. Bureau, a global unified risk decisioning platform, today launched the Global Fraud Intelligence Report 2026: AI, Identity, and the Future of Fraud Defense at the Global Fintech Fest (GFF) 2026. The report examines fraud dynamics across North America, Europe, the UK, Southeast Asia, APAC and MENA, combining primary data from INTERPOL, FATF, Europol and the FBI with signals observed across Bureau's global network. According to INTERPOL, global fraud losses reached $442 billion in 2025. Bureau's central finding is that AI has fundamentally altered the economics of fraud, making capabilities that once required advanced technical skills increasingly accessible and attacks repeatable across institutions at near-zero marginal cost. A Bureau expert said the report highlights the need for enterprises to move away from isolated fraud and risk checks towards a more integrated approach. "A point solution which does, let's say KYC check, credit underwriting or a transaction risk setup, any of those in isolation, are going to be ineffectual. Modern fraud requires you to look at all of these as a composite whole rather than in isolation," the expert said. Key Report Findings AI Made the Expensive Part of Fraud Cheap: Generative document synthesis, deepfakes and voice cloning have lowered the barriers to creating usable identities. Synthetic-linked account takeover (ATO) events tripled in a single quarter. Attacks Are Repeated, Not Invented: Bureau's network identified nearly 14,000 organised fraud rings in H1 2026, with one in three involving identities that resurfaced in subsequent attacks and the largest network linking over 45,000 identities. Real-Time Rails Eliminate Intervention Windows: As FedNow, UPI and Faster Payments scale, the gap between authorization and irreversible settlement has effectively reached zero. ATO risk surged nearly 70% between April and June 2026. AI Agents as an Emerging Attack Surface: As autonomous AI agents begin browsing, authenticating and paying on behalf of consumers, institutions will increasingly need to distinguish authorised AI activity from malicious automation. Mule Infrastructure Remains the Primary Bottleneck: Approximately 1 in 170 global onboarding applications was flagged as a suspected mule account, with geographic concentration remaining stable over five consecutive quarters. The Bureau expert also pointed to the growing role of AI in both perpetrating and detecting fraud. "Technology is value neutral right now. Fraudsters use it for nefarious purposes. The cost of fraud has come down and perpetrating fraud at scale has become easier for them, but at the same time, we are also able to use that technology in order to detect that," the expert said. The report notes that deepfake attacks have increased by about 40x, according to Bureau's observations. The expert said AI-enabled detection can help identify AI-generated images, documents and faces without requiring the same scale of training data used by earlier models. "Every institution is looking at a fraction of the same attack. An identity that gets declined at one bank is approved at the next within the hour, and neither ever finds out," said Ranjan R. Reddy, Founder and CEO of Bureau. "That is not a technology gap, it is a visibility gap." The report also highlights regulatory shifts and sector-specific exposure across financial services, quick commerce, gig platforms and marketplaces, alongside the growing need for continuous risk assessment beyond onboarding.