Equifax has unveiled two real-time intelligence products, Signal Score for Email and Signal Score for Device, aimed at stopping automated fraud before it reaches the businesses that depend on digital channels.
The tools are built for e-commerce merchants, banks and other financial institutions, and telecoms operators. They are meant to shield online checkouts, account registration pages and mobile ordering apps from organised fraud rings and bot-driven attacks.
Equifax argues that conventional verification methods are falling short as digital fraud becomes more complex. VPNs and emulators create blind spots that standard checks cannot penetrate, leaving firms exposed to tactics such as scripted account farming, spoofed locations and synthetic identities. The company says organisations now need intelligence that works instantly to catch these threats before they cause damage.
Both products draw on proprietary Equifax data to assess risk the moment a transaction begins, so genuine customers face minimal friction. Equifax says this sets them apart from rival tools that depend on static global networks or outdated database files. Instead, the scores use non-public, first-party data and identity linkage to match live digital session activity with verified real-world consumer profiles.
Signal Score for Email examines an email address as it is submitted, weighing how long the account has existed, its track record and its risk profile to judge whether it can be trusted. Signal Score for Device inspects the phone or computer involved, combining device characteristics, location details and network data to confirm that the hardware genuinely belongs to the user.
The scores plug into existing fraud prevention and case management platforms via APIs, allowing firms to strengthen their current setups. Businesses can deploy both together or choose one to close a particular intelligence gap.
The products are aimed at in-house fraud and risk teams and supply quicker, usable data at high-risk moments such as sign-up and checkout. Flagging risky users early, Equifax says, can lower the cost of manual reviews while speeding up the journey for legitimate shoppers.
Equifax also provides Consumer Insights, a separate offering that uses basic details to help firms gauge fraud risk and ability to pay, and supports compliance and security teams in preventing account takeovers.
Equifax senior vice president and general manager, identity & fraud services Ajay Guru said, “Businesses can no longer rely on static snapshots of customers to stop fraud. Leveraging our unique differentiated data, these new solutions are designed to deliver a trust score in real time, giving our customers a better view of a user and helping them to mitigate fraud more quickly.”
Guru added, “Fraud can happen at any step of an online interaction. Our unique data and tools give companies what they need to stop criminals without adding slow, extra steps for valid customers.”
Copyright © 2026 RegTech Analyst
Copyright © 2026 RegTech Analyst
