Transaction Monitoring, Smarter Detection and Stronger Governance in Mosaic’s New Releases

This release expands Mosaic’s fraud prevention and risk visibility capabilities with the introduction of Transaction Monitoring, enabling organizations to evaluate transactions in real time using identity, device and behavioral context. Additional enhancements improve detection of automated activity, strengthen governance controls and provide deeper operational visibility across identity and fraud workflows.

Highlights

Transaction Monitoring: Expanding Detection and Visibility Across Payment Flows

Mosaic includes Transaction Monitoring, bringing transactions into the same real-time decisioning framework used for identity, device, and behavioral risk. Transactions are treated as first-class objects and evaluated in context, enabling organizations to detect and act on fraud before funds move.

Current capabilities include:

• Real-time transaction evaluation APIs for both SDK and backend flows, enabling risk assessment at the moment a transaction is initiated

• Evaluate Transaction journey step, allowing orchestration and decisioning within user flows

• Transaction Monitoring portal for listing, filtering, and investigating transaction activity

• Investigation panel with Overview, Session, Entity Analysis, and Raw Data views

• Behavioral aggregation features such as amount baselines, velocity tracking, currency diversity, and payer-to-payee history

• Out-of-the-box payment fraud detections, including transaction velocity, beneficiary concentration, progressive transaction growth, geographic anomalies, and channel inconsistencies

These capabilities enable organizations to evaluate transactions using full identity and behavioral context, across both session-based and backend flows. The result is earlier fraud detection, better visibility into transaction risk, and the ability to take action in real time, reducing financial losses while maintaining a seamless user experience.

* General availability

Detection & Response SDK v3.0.0 Released for iOS, Android and React Native

The Detection & Response SDK version 3.0.0 is now available for iOS, Android and React Native, introducing new behavioral intelligence capabilities and expanded support for cross-platform mobile applications. This release adds new signals designed to strengthen scam and fraud detection, including call detection, sound output monitoring, device orientation tracking and enhanced touch sampling.

It also expands behavioral data collection support for React Native applications and introduces several API updates required for existing integrations, helping organizations align with the latest SDK capabilities and security improvements.

* General availability

Cross-Platform Enhancements

Web SDK 2.2.0 Adds New Behavioral and Agentic Signals

Mosaic Web SDK version 2.2.0 introduces new behavioral signals to better identify patterns associated with agent-driven activity. New signals include additional keyboard interaction attributes for key events, as well as new browser lifecycle and interaction events, expanding visibility into how users interact with applications and improving detection of non-human behavior.

* General availability

Richer Journey Insights with Expanded Analytics Schema

The activities schema for Journey Analytics has been enhanced to include journey name, journey ID and journey duration. These additions enable deeper journey-level analysis, helping teams better understand performance, track execution and gain more meaningful insights into identity flows.

* Available in sandbox

Role-Based Access Control Enforced in Spark

The latest Spark update enforces Mosaic’s role-based access controls (RBAC), ensuring users can only query and access data within the scope of their assigned permissions.

This enhancement aligns Spark with Mosaic’s security model, reinforcing the principle of least privilege while maintaining a seamless experience for authorized users. Teams can confidently use Spark knowing that all interactions respect existing access controls and governance policies.

* General availability

Search and Filter Custom Rules More Easily

Custom rules can now be searched and filtered by name, making it easier to locate and manage specific rules. The Recommendations view also supports filtering actions based on the custom rule that triggered them, giving teams clearer visibility into how rules impact fraud decisions and outcomes.

* General availability

Customer Identity Management

Redesigned B2B Organization Management Experience

B2B organization management has been redesigned to deliver a more streamlined and intuitive admin experience. Organizations can be created and immediately managed from a unified detail view, with key information always visible and core actions centered around Members and Apps.

Updates include a simplified layout, improved navigation and in-context editing through side panels, making it easier to manage organization settings, applications and member access without losing context.

* General availability

Fraud Prevention

Audit Fraud Labeling Activity for Full Traceability

Fraud feedback labeling can be tracked within Admin Activity, providing a complete audit trail for labeling actions. Each event captures key details such as the user, labeled entity, label type, use case and a unique action ID, improving transparency and supporting stronger governance across fraud operations.

* Available in sandbox