Why open banking specific decision layers are essential for financial organisations.
Operating in a competitive industry, financial organisations are now looking at data that Open Banking will provide, and what decision engines can do to deliver a competitive advantage, mitigate risk and help them to become or continue to be a customer-centric business.
Ultimately, there is a far greater need to have a holistic view of a customer’s finances to become customer-centric and retain a customer’s business fending off new entrants.
Download the full paper
Customer Level Decisioning
Banks adopting customer-level decisioning technology will lead not follow. A game changer.
Customer Level Decisioning
Operating in an ever-changing, competitive and highly regulatory environment, banks are looking beyond account-level decisioning to investment in technology that will deliver insights that provide a 360-degree view of the customer, known as customer-level decisioning
Download the full paper
Registered name: Fraudscreen Limited
Registered office: Westgate Point, Westgate, Leeds, West Yorkshire, LS1 2AX
Company registered in England and Wales: 4813599
VAT registration: 848-7828-62
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We (or our subsidiaries or licensors) own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trademarks, registered and unregistered trademarks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Our name may not be used in any way, including in advertising or publicity pertaining to distribution of information without our prior written consent.
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We (or our subsidiaries or licensors) own the copyright and all intellectual property rights existing on or within this Website (including but not limited to all database rights, trademarks, registered and unregistered trademarks, service marks and logos). Nothing in the Website shall confer on any person any licence or right with respect to any such intellectual property. Our name may not be used in any way, including in advertising or publicity pertaining to distribution of information without our prior written consent. The images, logos and names on the Website which identify us from time to time are our proprietary marks. Nothing in the Website shall confer on any person any licence or right with respect to any such image, logo or name. You are not permitted to download‚ print‚ redistribute or extract any information from this Website other than for your personal‚ non-commercial use.
You are not permitted to reproduce‚ copy, redistribute, modify or in any way change any of the information available on this Website.
You may not frame or link to the Website or any part of it without our express written permission.
You agree to indemnify and keep indemnified, us, our officers, directors, agents, licensors, successors and assigns against all liabilities, claims, losses, costs, damage and expenses including without limitation legal fees incurred by us should you breach any of the terms of this section.
Data Protection and Privacy
This website may contain hyperlinks to websites owned and operated by third parties. These third party websites have their own privacy policies, including cookies, and we urge you to review them. They will govern the use of personal information you submit, or which are collected by cookies whilst visiting these websites. We do not accept any responsibility or liability for the privacy practices of such third party websites and your use of them is at your own risk.
Fraudscreen Ltd (C/O GDS Link)
36 Park Row
what information Fraudscreen may collect about you
how Fraudscreen will use information we collect about you
when Fraudscreen may use your details to contact you
whether Fraudscreen will disclose your details to anyone else
your choices and rights regarding the personal information you have provided to us
Applicable laws may require that certain information or communications be in writing. When using the Website, you accept and agree that communication with us may be electronic. We may contact you by email or provide you with information by posting notices on this Website. For any contractual purposes, you agree to electronic means of communication and you acknowledge that all contracts, notices, information and other communications that we provide to you electronically comply with any legal requirements that such communication be in writing. This provision does not affect your statutory rights.
If any of these terms and conditions are determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which such terms and conditions are intended to be effective, then to the extent of such illegality, invalidity or unenforceability, in relation to such state or country only, such terms or conditions shall be deleted and severed from these terms and conditions and the remaining terms and conditions shall survive in full force and effect.
If we fail at any time to insist upon strict performance of any of your obligations under these Website Terms, or if we fail to exercise any of our rights or remedies to which we are entitled under these Website Terms, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.
We have established this Website in England. English Law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the English Courts.
Cookies are text files that contain small amounts of information which are downloaded to your device when you visit a website. Cookies do various jobs, like letting you navigate efficiently between pages and improving your user experience.
Cookies used by our website
Cookies on our website relate to the chat bot. Cookies are used to enable the chat bot on the website and to store the chat history.
Our website uses Google Analytics, a web analysis service of Google, Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043 USA, www.google.com (“Google Analytics” or “Google”). Google Analytics employs cookies that are stored to your computer in order to facilitate an analysis of your use of the site. The information generated by these cookies, such as time, place and frequency of your visits to our site, including your IP address, is transmitted to Google’s location in the US and stored there.
In using Google Analytics our website employs the extension “anonymizeIp”. In doing so, Google abbreviates and thereby anonymizes your IP address before transferring it from EU/EEA member states. Google uses this information to analyse your use of our site, to compile reports for us on internet activity and to provide other services relating to our website.
Google may also transfer this information to third parties where required to do so by law or where such third parties process this data on Google’s behalf. Google states that it will in never associate your IP address with other data held by Google. You can prevent cookies from being installed by adjusting the settings on your browser software accordingly. You should be aware, however, that by doing so you may not be able to make full use of all the functions of our website.
Google Analytics also uses electronic images known as web beacons (sometimes called single pixel gifs) and are used along with cookies to compile aggregated statistics to analyse how our site is used.
You can find additional information on how to install the browser add-on referenced above at the following link: https://tools.google.com/dlpage/gaoptout?hl=en.
For the cases in which personal data is transferred to the US, Google has self-certified pursuant to the EU-US Privacy Shield (https://www.privacyshield.gov/EU-US-Framework).
How we obtain your personal data
At times we may request that you voluntarily supply us with personal information. Generally this information is requested when you request information (such as a White Paper), but we may gather and process information about you in the following ways: Information you provide by filling in forms on the website or if you report a problem with our website. If you contact us, we may keep a record of that correspondence.
We may obtain information about you from other sources such as industry publications, colleagues or the public domain. If you apply for a job we will use your information for the purposes of recruitment and selection, corresponding with you and equal opportunities monitoring and may hold your information for up to six months in case other suitable opportunities arise. If you are successful, we will retain the information in accordance with your employment contract and our internal data protection policies, which will be notified to you in the course of the application process.
We intend to continue improving the content and function of our website. For this reason, we may monitor customer traffic patterns, site usage and other communications data to help us improve the design and layout of our site and provide content of interest to you.
How we use your personal data
We will use your personal data to provide our customers with our services, information, administration and research. We may keep your information for a reasonable period for these purposes. We may need to share your information with our service providers and agents for these purposes. We may disclose personal data in order to comply with a legal or regulatory obligation. By providing us with your personal data you consent to our processing your data, including sensitive personal data, for the above purposes.
Your rights in relation to personal data which we process relating to you
You have the following rights over the way we process personal data relating to you. We aim to comply without undue delay, and within one month at the latest. To ask for a copy of data we are processing about you and have inaccuracies corrected
The Data Protection Act gives you the right to request a copy of the personal information we hold about you and to have any inaccuracies corrected.
If you would like a copy or think there might be an error you would like corrected, please contact us either by telephone or email, you will be asked to complete an Information Request Form which should be returned to us with two pieces of approved identification (detailed on the form).
We will use reasonable efforts to the extent required by law to supply, correct or delete personal information held about you on our files (and with any third parties it has been disclosed to).
To object to us processing data about youYou can ask us to restrict, stop processing, or to delete your personal data if:
you consented to Fraudscreen processing the personal data, and have withdrawn that consent;
Fraudscreen no longer needs to process that personal data for the reason it was collected;
if Fraudscreen is processing that personal data because it is in the public interest or in order to pursue a legitimate interest of Fraudscreen, you don’t agree with that processing, and there is no overriding legitimate interest for us to continue processing it;
if the personal data was unlawfully processed;
if you need the personal data to be deleted in order to comply with a legal obligation;
if the personal data is processed in relation to the offer of a service to a child;
in which case, you can let us know by email to email@example.com
To obtain a machine readable copy of your personal data, which you can use with another service provider
If we are processing data in order to perform our obligations to you, or because you consented, if that processing is carried out by automated means, we will help you to move, copy or transfer your personal data to other IT systems.
If you request, Fraudscreen will supply you with the relevant personal data in a format which is readily accessible by most IT systems (CSV format). Where it is technically feasible, you can ask Fraudscreen to send this information directly to another IT system provider if you prefer.
To make a request let us know by email to firstname.lastname@example.org
To make a complaint to the Information Commissioner’s Office
If you are unhappy with the way Fraudscreen is processing your personal data, please let us know.
Or, if you do not agree with the way we have processed your data or responded to your concerns, an alternative is to submit a complaint to the Information Commissioner’s Office, through their website or by post or live chat.
If you send offensive, inappropriate or objectionable content to Fraudscreen.co.uk, or otherwise engage in any disruptive behaviour on Fraudscreen.co.uk, Fraudscreen may process your personal data as might be included in such message to stop such behaviour.
We only process personal data in this way for the legitimate interests of ensuring that use of our website is lawful, does not disrupt the operation of our website, does not harass our staff or other individuals, and to enforce our legal rights and to comply with our legal obligations.
Where Fraudscreen reasonably believes that you are or may be in breach of any of the laws of England or Wales (for instance, because content you have sent may be defamatory), Fraudscreen may use your personal information to inform relevant third parties such as your email/internet provider or law enforcement agencies about the content.
Fraudscreen will not (and will not allow its website provider to) use the information and/or any statistical analytics tool to track or to collect any personally identifiable information about visitors to our site. We will not associate any data gathered from this site with any personally identifying information from any source.
Where Fraudscreen proposes using your personal information for any other uses we will ensure that we notify you first. You will also be given the opportunity to withhold or withdraw your consent for uses other than those listed above.
Will Fraudscreen share my personal information with anyone else?
In addition, we may disclose your information to the extent that we are required to do so by law (which may include to government bodies and law enforcement agencies); in connection with any legal proceedings or prospective legal proceedings; and in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention).
Except as provided above, we will not provide your information to third parties.
What if I am aged 16 or under?
If you are aged 16 or under, please get your parent/guardian's permission beforehand whenever you provide personal information through the Fraudscreen website. Users without this consent are not allowed to provide us with personal information.
How long will Fraudscreen keep my personal information?
Security of my personal information
We will take all reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.
How do we use your information for marketing?
We may share your information with our business partners for marketing purposes or we may send you information about other organisations' goods and services. We may contact you by mail, telephone, fax, email or other electronic messaging service with offers of products, services or information that may be of interest to you. By providing us with your contact details you consent to being contacted by these methods for these purposes. If you do not wish to receive marketing information from us or our business partners (other than what you have specifically requested via the website) please indicate this on the ["Registration"] form or contact us using the details below.
You should note that if our business (or any part of it) is sold or transferred at any time, the information we hold may form part of the assets transferred although will still only be used in accordance with this policy unless and until you are notified otherwise.Last updated: May 2018