Global Bank Shores Up Customer Data, Stops ATO Attacks

Find out how a global bank stopped account takeovers cold and restored customer confidence. Request the case study to see its ATO prevention strategy!  

What You’ll Learn

• How a major global bank confronted large-scale credential stuffing, ATO, and application fraud How attackers used stolen credentials, bots, and synthetic identities to overload login systems, apply for fraudulent loans, and compromise customer accounts.
• Why legacy CAPTCHA-based defenses were failing—and harming user experience How outdated text CAPTCHAs created friction for good customers while providing little protection against sophisticated automated attacks.
• How Arkose Labs provided adaptive, user-friendly authentication and real-time risk intelligence How Arkose enforced targeted friction only on suspicious sessions, preserving a seamless digital experience for legitimate banking customers.
• How long-term deterrence replaced reactive mitigation How Arkose’s strategy raised the cost of attacks, discouraged fraudsters from returning, and strengthened the bank’s overall fraud-prevention posture.
• How ongoing managed services and custom intelligence enhanced security maturity How Arkose’s team helped tune defenses, deliver insights, and ensure the bank stayed ahead of evolving cybercriminal tactics.

FAQ

Why was the global bank experiencing so many account takeovers?

The bank’s existing fraud-prevention approach relied heavily on legacy text CAPTCHAs, which bots could bypass easily. With vast volumes of stolen credentials available on the dark web, attackers used automated tools to attempt logins at scale, causing successful account takeover events and downstream fraud. This is described in the Business Problem section on page 1.

How did Arkose Labs help stop ATO and application fraud?

Arkose Labs deployed intent-based analysis, adaptive visual challenges, and real-time risk scoring. Suspicious traffic encountered step-up enforcement, while legitimate customers passed unchallenged. This approach stopped automated bots, slowed down human-driven attacks, and eliminated synthetic-identity attempts in loan and credit applications.

How did Arkose Labs improve the bank’s customer experience?

Instead of interrupting all users, Arkose Labs applied friction only to high-risk sessions. According to page 2, the platform’s context-based visual challenges allowed the vast majority of customers to authenticate without friction, eliminating frustration caused by legacy CAPTCHAs.

What long-term results did the bank achieve?

As noted in the Results section on page 2, the bank drastically reduced successful attacks, improved digital-channel safety, and kept good customers moving quickly through login and application flows. Continuous tuning and managed services ensured defenses remained effective against new attack patterns.