Case Study

Device Insurer Shuts Down Claims Fraud and Eliminates Phishing-Fueled Theft

One of the world's largest insurance providers for smartphones, tablets and consumer electronics serves nearly 300 million customers globally and partners with top wireless carriers worldwide, making it a high-value target for organized fraud rings.

98.2%

frictionless experience for good users

70%+

suspicious sessions abandoned immediately

5.5 hrs

drained from fraud rings daily

THE CHALLENGES

Phishing-Fueled Claims Fraud: Attackers impersonated the insurer to harvest real customers' policy details, then filed fraudulent claims to obtain free devices resold on the black market.
Bot Automation & Human Fraud Rings: Automated scripts flooded the claims funnel while organized fraud rings manually submitted fraudulent claims in high volumes — overwhelming tools that relied on a single layer of detection.
Collateral Damage to Good Users: Existing controls blocked legitimate customers alongside bad actors, eroding trust and damaging the digital experience carrier partners depended on.

THE ARKOSE TITAN SOLUTION

Claims Funnel Protection: Arkose Titan was deployed on the insurance claims flow, applying real-time risk assessment to every session.
Layered Enforcement: Bots were served challenges purpose-built to defeat machine vision. Human fraud rings were identified behaviorally and served increasingly complex, time-consuming challenges, making attacks economically unviable.
Collaborative Intelligence: Arkose Labs' team worked alongside the client's internal analysts to refine detection models and respond to evolving attack patterns in real time.

”

Arkose Labs enables us to continue to deliver the great digital experience our customers have become used to, while eliminating fraud attacks and malicious bots.

— Fraud Manager

BUSINESS RESULTS

98.2% Frictionless Experience for Good Users: Legitimate customers moved through claims without friction – eliminating the false positives damaging customer experience.
98.8% Challenge Pass Rate: On the rare occasion a good user was challenged, they passed at 98.8% – far exceeding alternative step-up authentication methods.
70%+ Attack Drop-Off: More than 70% of suspicious sessions abandoned immediately upon receiving an enforcement challenge.
5.5 Hours Per Day Drained from Fraud Rings: Human sweatshops lost 5.5 hours daily to unsolvable challenges, making continued attacks economically unsustainable.