How SoFi Can Eliminate Identity Fraud Without Compromising Growth

When Trust Drives Growth, Identity Must Defend It

Incode can help SoFi reduce fraud, strengthen mobile security, and scale compliance with a fully proprietary, real-time identity platform—purpose-built for modern digital banking.

The Problem: Fintech Growth Has a New Bottleneck: Identity Risk

From onboarding scams to mobile takeovers, SoFi operates in a high-threat environment. Where fraudsters constantly try exploiting weak verification and mobile session gaps, trust is at stake. Legacy ID stacks and patchworked vendor chains can’t keep up.



The Solution: Incode Could Enable SoFi to Secure Every User’s Touchpoint With the Latest Identity Infrastructure

One Identity Platform. Zero Third-Party Limitations.

Built in-house. Adaptable in real time. Trusted by global financial leaders.


> AI-based ID document analysis 
and forgery detection

> Proprietary face match with biometric liveness

> Behavioral risk scoring for logins 
and transactions

> Biometric re-verification for 
high-risk mobile actions

> Audit-ready compliance trails, 
no vendor opacity

What SoFi Will Gain with Incode’s Identity-First Approach

From Reactive Security to Proactive Trust at Scale

81%
fewer successful synthetic ID-based fraud attempts

67%
improvement in biometric authentication pass rate

90%
onboarding completion time under 1 minute

47%
Compliance audit readiness improval

Trust Can’t Be Bolted On—It Has to Be Built In

Incode can give SoFi the control, speed, and accuracy to scale securely—without compromising user experience or compliance integrity.

Secure Your Growth with Incode

The next generation of fraud is already here. Let Incode help you stop it before it stops your growth.

Why Incode?

> Preserve Privacy with 100% Automation
> Process Decisions with Lightning Speed
> Guarantee Accuracy with continuously advancing AI/ML

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