BioCatch, a firm that fights fraud, scams and financial crime by analysing patterns in human behaviour, has unveiled BioCatch AiRE™ (Agentic AI Risk Essentials), a tool built to spot AI agents operating inside banking sessions before any funds are transferred.
The new capability allows financial institutions worldwide to identify, with confidence, whether an AI agent is working for a genuine accountholder or on the instructions of a criminal. Banks deploying the technology will also be alerted to signs that an agent’s activity may carry risk.
Rather than requiring a fresh integration, AiRE is delivered through the connections BioCatch customers already have in place. By monitoring sessions continuously, the company can both identify an agent and evaluate how it behaves, giving banks the evidence they need to set rules on which agents deserve trust.
The signals AiRE generates cover behavioural irregularities, atypical interaction patterns such as synthetic inputs, the permission profile of the browser, the infrastructure behind the agent and whether the agent has declared itself. Cloud-hosted agents, Muse among them, also fall within the scope of detection.
Data from BioCatch customer sessions shows that almost half of all agentic interactions identified took place during account opening. The remainder were distributed across logins, account management activity and transactions, with electronic fund transfers, wires and faster payments all represented.
BioCatch specialises in preventing fraud, scams and financial crime, relying on the recognition of human behavioural patterns to separate legitimate customers from threats.
Demand for this kind of protection appears strong. An American Banker survey found that 80% of consumers expect their bank to be capable of telling a customer apart from that customer’s agent. Meanwhile, BioCatch’s own 2026 The future of digital trust study, which polled 1,440 banking leaders globally, revealed that 80% said their organisation had already faced attacks involving agentic AI, and 84% think agents could become the sector’s single largest exploitable weakness within the coming year.
BioCatch chief product officer Ayelet Eliezer said, “Whether banks plan to block all agents, grant access to only certain, pre-approved agents, or open the floodgates and allow any agent to access their platforms, those institutions must be able to first reliably detect whether the entity controlling a session is a human or an agent and if the intent of that entity is genuine or malicious.
“Artificial intelligence capabilities for consumers, institutions, and bad actors alike are evolving rapidly. At BioCatch, we continue to innovate every day and remain committed to working alongside our customers to confidently and securely prepare for an agentic future.”
Copyright © 2026 RegTech Analyst
Copyright © 2026 RegTech Analyst
