Authentication at login is no longer enough. The fraud is already inside.
Account takeover, APP fraud, and session hijacking all operate inside authenticated sessions. The controls the industry has invested in were built for a different threat.

The problem
The dominant attack vector in banking fraud today isn't a failed authentication event — it's a successful one, followed by a fraudulent session. Stolen session cookies let attackers resume authenticated sessions without a new login. Coaching fraud operates entirely inside legitimate, correctly authenticated sessions. AI-enabled impersonation is increasingly defeating MFA at the entry point. The industry has built strong doors; the room behind them is still unverified.
£500m+
UK APP fraud losses, 2024
$15.6bn
US account-takeover losses
84%
ATO incidents where MFA didn't prevent the attack (CrowdStrike)
Discover how YEO can protect banking & finance
Stop Fraud Inside the Session
Continuous presence-checking at the point of transaction, not just at login.
No displacement of existing authentication infrastructure — integrates at SDK level.
Evidence Regulatory Accountability
A verified audit trail showing not just what was communicated, but who communicated it.
Aligned to SMCR, MiFID II, and FCA Consumer Duty.
Deploy Without Disruption
SDK-level integration, live within days.
No rip-and-replace of what's already working in your authentication stack.
Solutions for banking & finance
Together, YEO's products address both sides of the financial services identity problem.

YEO CFR SDK
Adds continuous session-layer verification to existing banking and payments platforms, confirming the account holder remains present at the point of transaction, not just at login. Integrates at SDK level and is live within days, with no displacement of existing authentication infrastructure.

YEO for Business
For regulated firms subject to SMCR, MiFID II, and FCA Consumer Duty, provides secure internal communications with a verified audit trail, evidencing not just what was communicated, but who communicated it, real time.
Compliance and regulatory fit
Compliance statement here








