When something feels off — a big transfer, a new payee, a security change — customers shouldn’t have to decide alone.
Approval Workflows let them bring in someone they trust. It's a simple way to stop fraud before it happens — without adding friction.
Fraud thrives when people feel unsure and alone. Approval Workflows add someone trusted to the process — right when it matters most.
Why it matters
Social engineering scams are getting smarter — and more personal.
Elderly customers are often targeted with convincing calls or messages that pressure them into sending money or changing key account details. These moments feel urgent and isolating.
Without support, a customer might:
Approve a $5,000 payment to a fake payee
Change their address or login settings under false pretenses
Fall for a scam that looks legitimate and time-sensitive
The impact
Approval Workflows step in with something simple but powerful: an extra set of eyes.
A trusted contact — chosen by the customer — receives a real-time alert and reviews the action.
If it looks safe, they approve it
If it looks suspicious, they block it
If they’re unsure, they can escalate or follow up directly
Customers don’t have to call the bank or make decisions under pressure. They know someone they trust is looking out for them.
Why it works
Approval Workflows aren’t just another fraud check — they’re human reassurance, embedded into your product.
Helps prevent large losses before money leaves the account
Reduces inbound support calls and emergency escalations
Builds real trust with older or vulnerable users
Creates a clear point of difference from other banks
And because approvers only see what’s needed — never full account access — customers stay fully in control.
Approval Workflows help banks and customers prevent fraud before it happens — by adding human oversight to sensitive moments.
You (or the customer) decide:
Which actions trigger an approval (e.g. large transfers, new payees, profile changes)
Who can act as a trusted contact
How long an approval request stays active
What happens if there’s no response (e.g. block, delay, step-up)
How and where the customer manages their trusted contacts
Explore developer docs, API reference, and the demo bank.