InACT is a multi module, multi function solution to a wide range of companies in financial sector and nonfinancial sector. InACT includes modules to audit, to control, to monitor & prevent internal and external fraud, to comply with international AML requirements.

InACT provides highly flexible data management and very flexible scenario creation in order to receive capture transactions, events in near real time and real time as well as batch. All these transactions, events, data received flexible engine enables companies to receive alerts or manage automatic actions in their backend / OLTP systems.

InACT includes internal fraud, external and AML modules. Each module includes data loading, file upload, user management, parameter definition, scenario management, statistical data calculation, analyze and case management sub modules. AML module also includes link analyze and checking sanctions list sub modules.

The solution can work real time, near real time and batch simultaneously. In addition to this, users can set scenario work time for each scenario so that internal fraud scenarios can work at different times.

The solution has user-exit functionality which enables institution’s developers to make integrations with their systems without touching the core. These integrations help to take actions against fraudulent activities such as blocking an account, calling a customer, sending SMS, putting cards on international stop lists etc. Integrations are indispensable for external fraud management solutions because fraud analysts compete with time to stop fraudulent activities. They should analyze fraudulent activities and take all necessary actions without entering different systems and different modules.

The system supports the following transactions:

• In External Fraud Management Module
  • Credit Card transactions
  • Debit Card transactions
  • Different type of card transactions
  • Card transactions at merchants
  • Internet Banking transactions
  • Telephony Banking transactions
  • Mobile Banking transactions
  • Non-financial transactions
  • ...

• In Internal Fraud Management Module
  • Money transfers between employee accounts
  • Inquiry dormant accounts
  • Critical customer data changes
  • Early liquidation
  • Credit usage after working hours
  • Abnormal behavior according to employee function group such as teller, supervisor, portfolio manager etc.
  • ...

• In Anti-Money Laundering Module
  • Money transfer from/to risky countries
  • High volume of cash transactions
  • Money collecting accounts
  • Name of sender/receiver is on blacklist
  • High number of different depositors
  • Customers with unusual transactions
  • High proportion of foreign payments
  • High number of transactions to/from a specific receiver/sender
  • ...

Interfaces to external Systems:

• Credit Card Management Systems
• Authorization Switch Systems
• Core Banking Systems
• Internet Banking Systems
• Mobile Banking Systems
• Telephony Banking Systems
• Call Center
• SMS
• E-Mail
• DataWareHouse
• CRM
• ODS

• Aktifbank
• Halkbank