Case Study: Smartney achieves 3× higher fraud detection and +10 p.p. precision with Nethone

How cooperation between Nethone and Smartney equals tangible results with both identity fraud and investment fraud

Smartney, a digital lending company owned by the French Oney Bank Group, needed to keep credit applications fast and frictionless while stopping rising identity and investment fraud that led to unpaid loans. To address anomalous network connections, stolen identities and socially engineered account takeovers, Smartney deployed the Nethone solution to augment its fraud detection across desktop and mobile channels.

Nethone implemented a proprietary ML-based anti-fraud system that extracts over 5,000 attributes per customer (device fingerprinting, RDP/open-ports detection, geolocation and behavioral patterns), provides connection graphs for investigator visibility, and continuously refines models via a dedicated Data Scientist. Close feedback loops with Smartney improved precision and recall by more than 10 percentage points each within a year, enabled rapid intervention to block attacks, and produced a 3x higher fraud detection rate for applications using Nethone signals.

Smartney