{"version":3,"file":"LW0fAVOt9-2.CztSDz4p.mjs","names":["n","a","i","s"],"sources":["https:/framerusercontent.com/modules/DUaBI8Z0zQBEAftOFMh3/bYe1rVpV2Ycl2g4hRO2B/LW0fAVOt9-2.js"],"sourcesContent":["import{jsx as e,jsxs as t}from\"react/jsx-runtime\";import{ComponentPresetsConsumer as i,Link as n}from\"framer\";import{motion as a}from\"framer-motion\";import*as r from\"react\";import{Youtube as s}from\"https://framerusercontent.com/modules/NEd4VmDdsxM3StIUbddO/1de6WpgIbCrKkRcPfQcW/YouTube.js\";export const richText=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Stablecoins are among the most transformative innovations of the era of blockchain, now representing more than \",/*#__PURE__*/e(n,{href:\"https://www.chainalysis.com/blog/stablecoins-most-popular-asset/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"60% of on-chain transfer of value\"})}),\". Their use cases are rapidly expanding into real-world financial applications such as cross-border payments, store-of-value functions, and global settlement. With the GENIUS Act now signed into law in the United States, stablecoins are gaining formal recognition as a mainstream financial rail. The new legislation introduces the first federal framework for stablecoins, setting clear standards for reserves, audits, and transparency to strengthen trust and market stability. This move aligns with global regulatory momentum, including Europe's MiCA (Markets in Crypto-Assets Regulation) framework, which went into effect last year establishing similar oversight.\"]}),/*#__PURE__*/e(\"p\",{children:\"With mainstream adoption comes greater exposure to operational and compliance risk. Legacy risk systems, designed for slower and permissioned financial environments, are struggling to keep up with a real-time, AI-enabled, and borderless digital economy.\"}),/*#__PURE__*/t(\"p\",{children:[\"This tension was the focus of Oscilar’s recent webinar, \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/webinars/managing-stablecoin-risk\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Real-Time Detection and Response: Leveraging AI and Automation to Manage Stablecoin Risk — now available on demand\"})})}),\". The discussion brought together experts across fintech, digital assets, and risk intelligence:\"]}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Rodger Desai, CEO of Prove\"})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Vishal K. Gupta, CEO of True Markets (former Head of Exchange at Coinbase)\"})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://www.linkedin.com/in/saurabhbajaj21\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Saurabh Bajaj\"})})}),/*#__PURE__*/e(\"strong\",{children:\", Chief Product Officer at Oscilar\"})]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Moderated by Jason Mikula, Publisher of Fintech Business Weekly\"})})})]}),/*#__PURE__*/e(\"p\",{children:\"The panel unpacked how stablecoins are shaking up global payments and why today's risk models can't keep up. Here are five reasons why adopting AI-native infrastructure is essential for managing stablecoin risk.\"}),/*#__PURE__*/e(\"h2\",{children:'1. Stablecoins are entering their \"real economy\" moment'}),/*#__PURE__*/e(\"p\",{children:\"First introduced to capture the benefits of blockchain without volatility, stablecoins have helped bridge the gap between TradFi and cryptocurrency and are quickly becoming the backbone of a new global payment and settlement layer: one that is programmable, instant, and accessible across borders. While stablecoins initially powered liquidity in crypto markets, they are now enabling high-value use cases in economies around the world.\"}),/*#__PURE__*/e(\"p\",{children:\"Some examples include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"F\\xe9lix\"}),\", enabling remittances in Latin America via WhatsApp with USDC\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Remote\"}),\", allowing U.S. employers to pay contractors with stablecoins in more than 60 countries \"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Merchant payments\"}),\" in \",/*#__PURE__*/e(n,{href:\"https://www.chainalysis.com/blog/subsaharan-africa-crypto-adoption-2024/#:~:text=Stablecoins%20are%20driving%20economic%20resilience%20and%20global%20connectivity%20across%20Sub%2DSaharan%20Africa\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"high-inflation economies such as Nigeria\"})}),\", T\\xfcrkiye, and Argentina\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Programmable disbursements\"}),\" linked to escrow or milestone-based payouts\"]})})]}),/*#__PURE__*/e(\"div\",{className:\"framer-text-module\",style:{\"--aspect-ratio\":\"560 / 315\",aspectRatio:\"560 / 315\",height:\"auto\",width:\"100%\"},children:/*#__PURE__*/e(i,{componentIdentifier:\"module:NEd4VmDdsxM3StIUbddO/1de6WpgIbCrKkRcPfQcW/YouTube.js:Youtube\",children:t=>/*#__PURE__*/e(s,{...t,play:\"Off\",shouldMute:!0,thumbnail:\"High Quality\",url:\"https://youtu.be/-cRrURKqRDo\"})})}),/*#__PURE__*/e(\"p\",{children:\"The panel also pointed to growing interest in using stablecoins to streamline B2B cross-border payments, particularly where traditional infrastructure is costly or unreliable.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"2. Borderless infrastructure introduces new risk dynamics\"}),/*#__PURE__*/e(\"p\",{children:\"The same characteristics that make stablecoins so powerful: Permissionless access, 24/7 uptime, and global reach also introduce new security and compliance challenges. Criminals are often the earliest adopters of new technologies and blockchain is no exception. The same tools that empower users also give bad actors the ability to operate seamlessly across borders.\"}),/*#__PURE__*/e(\"p\",{children:\"Specific enablers include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Encrypted messaging apps enabling instant and discreet coordination\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Digital assets facilitating virtually instant fund transfers across jurisdictions\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"AI and machine learning models allowing fraud networks to scale and adapt faster than human-led detection systems\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Financial cybercrime has irrevocably industrialized. These aren't one-off scams: We’re seeing entire operations run by sophisticated criminal syndicates, some backed by nation-states. The growth of borderless, programmable payments has created a corresponding need for detection tools that can operate across identity, device, transaction, and blockchain layers simultaneously.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"h2\",{children:\"3. AI is fueling the industrialization of financial fraud\"}),/*#__PURE__*/e(\"p\",{children:\"The game has changed. This isn't card fraud in a new wrapper, it's an entirely new category of crime powered by AI. The fraud landscape is becoming increasingly automated and scalable. Criminal networks are building fraud assembly lines, operating around the clock while most risk teams still work business hours\"}),/*#__PURE__*/e(\"p\",{children:\"Common tactics include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Deepfakes \"}),\"used to bypass video-based KYC\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Credential-stuffing bots\"}),\" executing large-scale account takeovers\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Smart contracts and DeFi protocols \"}),\"exploited for laundering, fund fragmentation, and obfuscation\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Behavioral emulation tools\"}),\" that mimic legitimate users across web and mobile platforms\"]})})]}),/*#__PURE__*/e(\"div\",{className:\"framer-text-module\",style:{\"--aspect-ratio\":\"560 / 315\",aspectRatio:\"560 / 315\",height:\"auto\",width:\"100%\"},children:/*#__PURE__*/e(i,{componentIdentifier:\"module:NEd4VmDdsxM3StIUbddO/1de6WpgIbCrKkRcPfQcW/YouTube.js:Youtube\",children:t=>/*#__PURE__*/e(s,{...t,play:\"Off\",shouldMute:!0,thumbnail:\"Medium Quality\",url:\"https://youtu.be/s6GsLbx5nUI\"})})}),/*#__PURE__*/e(\"p\",{children:\"This shift toward machine-driven attacks has created a growing gap in speed and sophistication between adversaries and the financial institutions trying to stop them.\"}),/*#__PURE__*/e(\"h2\",{children:\"4. Legacy risk tools aren’t built for a blockchain and AI-activated world\"}),/*#__PURE__*/e(\"p\",{children:\"Most current risk systems rely on static rules and human-in-the-loop workflows. These tools were not designed for environments where threats emerge and adapt in real time.\"}),/*#__PURE__*/e(\"p\",{children:\"Common limitations include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fragmented systems\"}),\" that separate identity, transaction, and blockchain data\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Rules-based monitoring\"}),\" that cannot adapt to new or obfuscated attack patterns\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"One-time KYC checks t\"}),\"hat fail to detect synthetic identities or account takeover\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Delayed alerting\"}),\", with multi-day lags between threat activity and response\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Manual case management processes\"}),\" that cannot scale with machine-speed crime\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"We're using tools built for a world of forms and fax machines to fight criminal operations powered by generative AI. In practice, this means that by the time a fraud signal is reviewed, the underlying funds have often already moved, leaving limited opportunity for recourse.\"}),/*#__PURE__*/e(\"h2\",{children:\"5. AI-native defense is no longer optional for modern finance\"}),/*#__PURE__*/e(\"p\",{children:\"The speakers emphasized the need for agentic AI: Systems that not only detect but act and adapt autonomously in response to evolving threats. Agentic AI isn’t a luxury; it’s our best shot at keeping pace with the scale, speed, and complexity of stablecoin risk.\"}),/*#__PURE__*/e(\"p\",{children:\"Important capabilities of platforms like Oscilar include:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Real-time signal orchestration\"}),\" across identity, transaction, and blockchain data\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Use of behavioral biometrics and device fingerprints \"}),\"to establish resilient identity signals\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Graph analytics\"}),\" for detecting laundering networks and coordinated activity\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Autonomous rule generation\"}),\" and deployment\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"AI co-pilots \"}),\"to assist in investigations and decision workflows\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"The conversation also emphasized the role of stablecoin issuers in maintaining trust across the ecosystem. Stablecoins offer a unique opportunity for ecosystem participants to lead on safety and integrity. Centralized issuers like Circle (USDC) and Tether (USDT) have the authority to freeze assets and monitor suspicious flows, but only if supported by the right infrastructure to detect risks before they escalate.\"}),/*#__PURE__*/e(\"h2\",{children:\"The future of stablecoins depends on trust\"}),/*#__PURE__*/e(\"p\",{children:\"Stablecoins are poised to become a cornerstone of modern financial infrastructure, powering everything from real-time settlement to programmable money. But long-term adoption hinges on whether users, institutions, and regulators trust that these systems can be secured at scale.\"}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:'\"None of this matters without trust.\"—'}),/*#__PURE__*/e(n,{href:\"https://www.linkedin.com/in/saurabhbajaj21\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Saurabh Bajaj\"})})})]})}),/*#__PURE__*/e(\"p\",{children:\"As adoption grows, the risks will scale in parallel. You can't build 2025-level trust with tools from 2015. The new trust equation demands real-time AI defense. Platforms that build with AI-native risk infrastructure will be better equipped to detect and respond to evolving threats, while those that rely on traditional tools won't just fall behind, but may be a future casualty. \"}),/*#__PURE__*/e(\"p\",{children:\"Not because they're not trying hard enough, but because they're fighting the wrong war.\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Want to see how Oscilar’s AI Risk Decisioning™ platform powers safer, smarter stablecoin ops? \"}),\"Unify your data, stop fraud before it starts, and take control of risk and compliance with AI you can actually test, trust, and fine-tune.\",/*#__PURE__*/e(\"strong\",{children:\" \"}),/*#__PURE__*/e(n,{href:\"https://oscilar.com/demo-form\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Request a demo\"})})}),/*#__PURE__*/e(\"strong\",{children:\".\"})]})]});export const richText1=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://www.getparker.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Parker\"})}),\" is a fintech delivering credit and banking solutions for e-commerce businesses. Their flagship product — a corporate card with up to 90-day payment terms — helps merchants preserve working capital and operate with more flexibility. Parker also offers performance-based credit lines, bill pay, integrated banking, and deep analytics.\"]}),/*#__PURE__*/t(\"p\",{children:[\"Speed is essential. Their customers move fast, and so must Parker. But when more than 15% of applicants were waiting over 120 days for underwriting decisions, it became clear that the process was holding them back.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})]}),/*#__PURE__*/e(\"h2\",{children:\"Engineering bottlenecks blocked growth\"}),/*#__PURE__*/e(\"p\",{children:\"Parker had a mandate from their executive team: grow the business without growing underwriter headcount. But this seemed impossible. Parker's underwriting was entirely manual. Underwriters reviewed each application individually, calculated financial ratios by hand, and made case-by-case decisions with limited consistency. Even small policy updates required engineering support.\"}),/*#__PURE__*/e(\"blockquote\",{children:/*#__PURE__*/e(\"p\",{children:'\"Unlike consumer lending companies, our starting point was very manual,\" said Russell Fischer, Director of Credit Risk. \"We needed to find a way to process more applications without proportionally increasing our underwriting staff.\"'})}),/*#__PURE__*/e(\"p\",{children:\"The deeper challenge wasn't just manual work, it was dependency. Every new rule, data integration, or policy shift required developer time. Parker needed to integrate multiple data sources including credit bureaus, but their existing systems made this complex and time-consuming. They couldn't test new risk models, respond to market shifts, or scale effectively. Growth was capped by technical constraints.\"}),/*#__PURE__*/e(\"h2\",{children:\"The solution: Automation that works\"}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's credit underwriting platform gave Parker what they needed most: independence from engineering for day-to-day risk decisions. The platform's customizable workflows allowed Parker's risk team to create and modify complex decision trees directly, while seamless integration with their existing admin tool (Retool) meant no disruption to current processes.\"}),/*#__PURE__*/e(\"p\",{children:\"The transformation was immediate and measurable. Oscilar handled complex integrations like Dun & Bradstreet's XML interface, saving Parker's engineering team significant time and effort. More importantly, it enabled Parker to automate portions of their underwriting process while maintaining the flexibility to quickly implement new strategies.\"}),/*#__PURE__*/e(\"p\",{children:\"“Oscilar is one of those softwares where it actually helps users do engineering tasks and scale their business,” Fischer said. “We're launching a sub-$2 million revenue segment where it's going to be completely automated. We're using Oscilar for that.”\"}),/*#__PURE__*/e(\"h2\",{children:\"Speed, consistency, and capacity take off\"}),/*#__PURE__*/e(\"p\",{children:\"The results exceeded expectations: \"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"70% reduction\"}),\" in underwriting backlog. Customers waiting over 120 days dropped from 15% to under 5%.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"30–40% decrease\"}),\" in processing time, with more consistent decisions.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"Automation now handles work equivalent to a \",/*#__PURE__*/e(\"strong\",{children:\"full-time underwriter\"}),\" with potential for more.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"75% faster\"}),\" processing for a new segment focused on businesses under $2 million in revenue.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[\"Major \",/*#__PURE__*/e(\"strong\",{children:\"engineering time savings\"}),\" through no-code integrations and workflow control by the risk team.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"But the real transformation was strategic. Parker can now launch new underwriting strategies without extensive engineering involvement, capture more decisions in their system for superior risk analytics, and standardize decision-making across their entire underwriting team.\"}),/*#__PURE__*/e(\"p\",{children:\"“Speaking for the underwriting team, they would tell you their workload is roughly 30% less,” Fischer said. “That’s great because the underwriting team is getting more leverage. Plus, we'll have more decisions captured in our system, which will help with future risk analytics.”\"}),/*#__PURE__*/e(\"h2\",{children:\"More efficiency, less effort\"}),/*#__PURE__*/e(\"p\",{children:\"With Oscilar, Parker built standardized workflows that eliminated manual review for many applicants. Underwriters now focus on edge cases, while automation handles the rest. The team can test, iterate, and deploy new strategies without waiting on engineering.\"}),/*#__PURE__*/e(\"p\",{children:\"Parker is now expanding automation into new areas of onboarding. A dedicated team member is focused on scaling underwriting processes, including KYC, KYB, and lien checks. What once took months now takes days.\"}),/*#__PURE__*/e(\"p\",{children:'\"It\\'s an investment both from your engineering and risk team, but it\\'s worth it. You can achieve unbelievable levels of automation or leverage on your more operational risk teams by using a decision engine,\" Fischer said. \"Using a platform like Oscilar can help you get a ton of leverage and have better risk performance, even in corporate lending.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Scaling without limits\"}),/*#__PURE__*/e(\"p\",{children:\"Parker is growing faster and serving more customers without growing its underwriting team. They've eliminated their biggest bottlenecks and built a scalable, flexible foundation for continued expansion.\"}),/*#__PURE__*/e(\"p\",{children:\"For fintechs facing similar challenges, Parker's story shows what’s possible when risk teams get the tools to move swiftly and confidently.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Ready to see how Oscilar can transform your underwriting process?\"})}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://www.oscilar.com/demo-form\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Book a demo today\"})})}),\" and discover why fintechs like Parker are making the switch.\"]})]});export const richText2=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:'When Alex Nuth joined CashCo Financial as Chief Digital and Product Officer, Canada\\'s trusted lender for underbanked customers was facing a critical challenge. Despite serving over 100,000 clients through 50+ branches, their credit decisioning was trapped in a \"black box\" system that limited growth and innovation.'}),/*#__PURE__*/e(\"h2\",{children:\"The Black Box Problem\"}),/*#__PURE__*/e(\"p\",{children:\"CashCo had outsourced their entire decisioning process to a third party, creating several painful constraints:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Zero visibility\"}),\" into what factors drove loan approvals and terms\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Months-long delays\"}),\" for even minor model adjustments\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Heavy engineering dependencies\"}),\" for business rule changes\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Limited testing capabilities\"}),\" that made optimization nearly impossible\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We didn\\'t really have any control over our models,\" Alex explained. \"We wanted to bring data science closer to us so we could improve our models as our business was adjusting, as opposed to dealing with long lead times.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Finding the Right Solution\"}),/*#__PURE__*/e(\"p\",{children:\"After evaluating numerous traditional platforms, CashCo discovered most hadn't modernized enough to meet their needs. Legacy systems required learning specialized coding languages and offered poor usability.\"}),/*#__PURE__*/e(\"p\",{children:\"Then they found Oscilar—a next-generation decisioning platform built from the ground up for modern digital businesses.\"}),/*#__PURE__*/e(\"p\",{children:\"What set Oscilar apart:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Intuitive workflow builder\"}),\" that democratized access without coding requirements\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Seamless integration\"}),\" with robust APIs and excellent documentation\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive testing environment\"}),\" for shadow testing, parallel testing, and back testing\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Visual analytics\"}),\" that made decision impacts transparent to business users\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Remarkable Results\"}),/*#__PURE__*/e(\"p\",{children:\"The transformation was swift and dramatic:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"6-week implementation\"}),\" (versus months with traditional platforms)\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"70% cost reduction\"}),\" while gaining significantly more control\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Sub-second decisions\"}),\" contributing to 3-minute total customer onboarding\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"25,000 decisions processed monthly\"}),\" with less than 1% requiring manual review\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Daily model updates\"}),\" replacing the previous monthly cycle\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"628\",src:\"https://framerusercontent.com/images/plIRXYDGrOsdAANxWbazy3MODA.jpg\",srcSet:\"https://framerusercontent.com/images/plIRXYDGrOsdAANxWbazy3MODA.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/plIRXYDGrOsdAANxWbazy3MODA.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/plIRXYDGrOsdAANxWbazy3MODA.jpg 1496w\",style:{aspectRatio:\"1496 / 1256\"},width:\"748\"}),/*#__PURE__*/e(\"h2\",{children:\"Beyond Cost Savings\"}),/*#__PURE__*/t(\"p\",{children:[\"The real power became evident when CashCo expanded into new ventures. They implemented Oscilar in a new fintech venture in just \",/*#__PURE__*/e(\"strong\",{children:\"3 days\"}),\", leveraging existing data and models to support new product lines.\"]}),/*#__PURE__*/e(\"p\",{children:'\"Every single vendor that we\\'ve had to put data into and have connected to Oscilar has been the easiest part of our projects,\" Alex noted.'}),/*#__PURE__*/e(\"h2\",{children:\"The Competitive Edge\"}),/*#__PURE__*/e(\"p\",{children:\"Today, CashCo has complete control over their decision-making process. Non-technical team members can configure and update the decision engine without heavy engineering dependencies. Changes that once took months now deploy in days or hours.\"}),/*#__PURE__*/e(\"p\",{children:'As Alex puts it: \"Oscilar is really that next generation of decision modeling. If people want to consider themselves in that next generation and that fintech type peer group, the ones that are really innovating and at the front end of engineering, this is the right tool for that because it\\'s going to support those bigger ambitions.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Looking Forward\"}),/*#__PURE__*/e(\"p\",{children:\"CashCo is interested in expanding their use of Oscilar beyond underwriting to include collections models, recovery predictions, and customer communication strategies. They're also integrating additional data sources to support new product lines, including secured lending and card products.\"}),/*#__PURE__*/e(\"p\",{children:\"For financial services companies trapped in legacy decisioning systems, CashCo's transformation demonstrates what's possible when you choose a platform built for the future rather than constrained by the past.\"}),/*#__PURE__*/t(\"p\",{children:[\"Ready to see how Oscilar can transform your decisioning process?\",/*#__PURE__*/e(n,{href:\"https://www.oscilar.com/demo\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\" Book a demo today\"})}),\" and discover why leading fintechs are making the switch.\"]})]});export const richText3=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"The Oscilar team just wrapped three incredible days at Money 20/20 Europe, and the message from 8,500+ fintech leaders couldn't be clearer: traditional risk operations are fundamentally broken, and AI represents the solution everyone desperately needs.\",/*#__PURE__*/e(\"br\",{}),/*#__PURE__*/e(\"br\",{}),\"Here’s what we’re keeping top of mind as we return from the conference.\"]}),/*#__PURE__*/e(\"h2\",{children:\"The Industry's Inflection Point\"}),/*#__PURE__*/e(\"p\",{children:\"Walking the halls of the RAI Amsterdam Convention Centre, many conversations revealed the same underlying tension. Financial institutions—from challenger banks to established players—are grappling with legacy risk systems that generate false positive rates of 90% or higher. Manual review processes that take weeks. Partnership onboarding cycles that stretch beyond a year.\"}),/*#__PURE__*/e(\"p\",{children:\"Banks and fintechs are racing to transform their risk operations, seeking solutions to reduce false positives from 90% to under 10%, unify fragmented data sources, and orchestrate seamless customer journeys from onboarding through compliance and fraud detection. Most importantly, they want AI solutions - not buzzword applications wrapped around existing processes.\"}),/*#__PURE__*/e(\"h2\",{children:\"Startup Spotlight Recognition\"}),/*#__PURE__*/e(\"p\",{children:\"Our selection as one of the most promising startups at Money 20/20 Europe was both humbling and validating. Our Chief Product Officer, Saurabh Bajaj, had the opportunity to present Oscilar's vision for purpose-built AI risk management to over 30 reporters and industry leaders during the Startup Spotlight session.\"}),/*#__PURE__*/e(\"p\",{children:\"The questions we fielded and the discussions following confirmed what we've believed from day one: the industry needs intelligent risk solutions banks and fintechs want to implement, not theoretical AI applications looking good in demos but failing in production.\"}),/*#__PURE__*/e(\"p\",{children:\"The validation came not just from the selection committee, but from the steady stream of visitors to Booth #1H70 throughout the three-day event. Risk leaders, compliance officers, and fintech founders shared remarkably consistent stories about their current pain points and future aspirations.\"}),/*#__PURE__*/e(\"h2\",{children:\"From Competition to Collaboration\"}),/*#__PURE__*/e(\"p\",{children:'One of the most striking themes throughout the conference was the evolution of the \"banks versus fintechs\" narrative. What we\\'re seeing instead is a recognition that collaboration, not competition, will define the next chapter of financial services innovation.'}),/*#__PURE__*/e(\"p\",{children:\"Every meaningful discussion confirmed this shift: risk operations are becoming the bridge connecting traditional finance with fintech innovation. Banks bring regulatory expertise, established compliance frameworks, and scale. Fintechs contribute agility, user experience innovation, and technological sophistication. The winners in this new landscape will be those who master the dance between these complementary strengths through intelligent risk orchestration.\"}),/*#__PURE__*/e(\"p\",{children:\"This collaboration imperative was evident in panel discussions, networking sessions, and even casual hallway conversations. The most successful partnerships we heard about weren't traditional vendor-client relationships, but true collaborations where both parties contributed core competencies to solve shared challenges.\"}),/*#__PURE__*/e(\"h2\",{children:\"The AI Reality Check\"}),/*#__PURE__*/e(\"p\",{children:'Amsterdam delivered a much-needed reality check on AI implementation in financial services. While AI buzzwords were everywhere, the substance behind many implementations was disappointingly thin. Too many companies are offering \"AI wrappers\"—basic models claiming to solve complex risk problems with minimal customization or domain expertise.'}),/*#__PURE__*/e(\"p\",{children:\"Gartner's prediction that 30% of AI projects will be abandoned by 2025 resonated strongly with conference attendees who've experienced the gap between AI promises and AI delivery. The distinction between performative AI and transformative AI became a recurring theme in our conversations.\"}),/*#__PURE__*/e(\"p\",{children:\"But real breakthroughs are happening. The companies seeing genuine transformation aren't deploying AI tools; they're reimagining their entire risk infrastructure around intelligent automation. We heard concrete success stories: 80% reductions in false positives, partnership onboarding cycles compressed from 12 months to 90 days, and customer satisfaction scores improving dramatically as friction disappears from previously cumbersome processes.\"}),/*#__PURE__*/e(\"h2\",{children:\"Community and Connection\"}),/*#__PURE__*/e(\"p\",{children:\"Beyond the formal conference programming, our Lending & Risk Reception with This Week in Fintech became a highlight of the event. Over 150 risk leaders, compliance experts, and fintech innovators gathered at Cantina L'Esquina for what turned into far more than networking—it became a working session on the future of risk management.\"}),/*#__PURE__*/e(\"p\",{children:\"The energy was extraordinary. We found ourselves in deep discussions about real implementations, regulatory challenges, and partnership successes. Risk officers shared specific use cases where AI had transformed their operations. Compliance leaders discussed practical approaches to regulatory approval for new technologies. Fintech founders explored partnership strategies with traditional institutions.\"}),/*#__PURE__*/e(\"p\",{children:\"These organic discussions often proved more valuable than formal presentations, revealing the genuine challenges and opportunities driving decision-making in our industry.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Path Forward: Risk Orchestration\"}),/*#__PURE__*/e(\"p\",{children:\"The central question emerging from Amsterdam wasn't whether AI will transform risk operations—this transformation is already underway. The question is how to capture the massive opportunity in intelligent risk systems through comprehensive orchestration rather than point solutions.\"}),/*#__PURE__*/e(\"p\",{children:\"The answer lies in unifying data, decisions, AI, and automation into a single intelligence layer. At Oscilar, this philosophy drives everything we build: an AI risk platform that unifies disparate data sources into real-time risk intelligence, embeds AI-powered decision-making across the entire customer journey, deploys intelligent automation that reduces manual review requirements, and delivers experiences that are simultaneously fast and protected.\"}),/*#__PURE__*/e(\"p\",{children:\"We're not building another risk tool; we're redefining how financial services deliver intelligent, secure experiences at customer speed.\"}),/*#__PURE__*/e(\"h2\",{children:\"Looking Ahead\"}),/*#__PURE__*/e(\"p\",{children:\"Amsterdam showed us the future of risk operations isn't a distant possibility—it's happening now. The financial institutions that will thrive in the next decade are those embracing this transformation today, building partnerships that combine traditional strengths with innovative capabilities, and implementing AI solutions that deliver measurable business outcomes rather than just technological novelty.\"}),/*#__PURE__*/e(\"p\",{children:\"The discussions we had at Booth #1H70, during our reception, and throughout the conference halls will continue long after the Amsterdam venues have returned to normal. Because the challenge of intelligent risk operations is too important and too urgent for any single company to solve alone.\"}),/*#__PURE__*/e(\"p\",{children:\"The AI risk revolution is here. The question isn't whether to participate—it's how quickly you can begin.\"})]});export const richText4=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"We're incredibly proud to announce that our CEO and Co-founder Neha Narkhede has been recognized as the winner of the \",/*#__PURE__*/e(\"strong\",{children:\"Woman in Technology – Visionary Founder & CEO\"}),\" award at the 2025 Banking Tech Awards USA.\"]}),/*#__PURE__*/e(\"p\",{children:\"This recognition celebrates Neha's exceptional leadership in transforming financial risk management and her pioneering contributions to the technology industry. The Banking Tech Awards USA honor the most innovative leaders and solutions driving the future of financial services—and we couldn't be more honored to be part of this recognition.\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"600\",src:\"https://framerusercontent.com/images/V4tXg9MCXDNE2kuXposM5naNfhs.jpg\",srcSet:\"https://framerusercontent.com/images/V4tXg9MCXDNE2kuXposM5naNfhs.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/V4tXg9MCXDNE2kuXposM5naNfhs.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/V4tXg9MCXDNE2kuXposM5naNfhs.jpg 1200w\",style:{aspectRatio:\"1200 / 1200\"},width:\"600\"}),/*#__PURE__*/e(\"h2\",{children:\"A Visionary Leader Making Real Impact\"}),/*#__PURE__*/e(\"p\",{children:\"Neha's journey from co-creating Apache Kafka and scaling Confluent into a $10B public company to founding our company demonstrates her unique ability to identify critical industry needs and build transformative solutions. Since launching Oscilar in 2021, she has led us to remarkable growth:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"80+ major financial institutions\"}),\" now trust our AI Risk Decisioning Platform\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"strong\",{children:\"Revenue growth of 8x in 2023 and 6x in 2024\"})})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Customer success stories\"}),\" including 90% fraud reduction and millions in annual savings for our clients\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Transforming Financial Risk Management\"}),/*#__PURE__*/e(\"p\",{children:\"Under Neha's leadership, we've revolutionized how financial institutions approach risk by unifying fraud detection, credit decisioning, and compliance into a single AI-powered platform. What traditionally took months to deploy now takes just 4-6 weeks—setting a new industry standard that we're proud to have established.\"}),/*#__PURE__*/e(\"h2\",{children:\"Championing Women in Technology\"}),/*#__PURE__*/e(\"p\",{children:\"Beyond her business achievements, Neha continues to be a powerful advocate for women in technology, mentoring future leaders and challenging industry biases. Her recognition in Forbes' World's Top 50 Women in Tech and America's Self-Made Women reflects her broader impact on the industry.\"}),/*#__PURE__*/e(\"p\",{children:\"This award is a testament to Neha's vision, leadership, and our incredible team who are making financial transactions safer and more efficient every day.\"})]});export const richText5=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\", a leading provider of AI Risk Decisioning™ platform, is pleased to announce a strategic partnership with \",/*#__PURE__*/e(n,{href:\"https://www.carringtonlabs.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Carrington Labs\"})}),\", a specialized credit risk analytics firm that helps lenders make more informed lending decisions. This collaboration brings together Oscilar's advanced AI-powered risk decisioning technology with Carrington Labs' innovative credit risk analytics to deliver comprehensive lending solutions for financial institutions, fintechs, and consumer lenders across the United States.\"]}),/*#__PURE__*/e(\"p\",{children:'\"Carrington Labs brings a strong capability in credit risk analytics and alternative data,” said Neha Narkhede, Co-Founder and CEO of Oscilar. “Together, we’re helping lenders build a more complete picture of creditworthiness, without adding complexity.” '}),/*#__PURE__*/e(\"h2\",{children:\"Combining AI-Powered Risk Decisioning with Advanced Credit Risk Analytics\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership integrates Oscilar's AI Risk Decisioning™ Platform with Carrington Labs' extensive experience in credit risk modeling and alternative data analysis. By leveraging Carrington Labs' deep expertise in transaction-based credit risk assessment and Oscilar's advanced AI platform, the partnership delivers enhanced solutions that help lenders expand access to credit while maintaining strong risk controls.\"}),/*#__PURE__*/e(\"p\",{children:\"Organizations can now benefit from Carrington Labs' proven credit risk models implemented through Oscilar's no-code AI platform, enabling more effective risk management across the entire customer lifecycle.\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Features and Benefits of the Partnership\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced Credit Risk Assessment:\"}),\" The integration combines Carrington Labs' transaction-based risk analytics with Oscilar's AI Risk Decisioning™ Platform, enabling lenders to make more accurate credit decisions based on a holistic view of borrower risk.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Expanded Lending Opportunities:\"}),\" Financial institutions can now identify and approve more qualified borrowers—including thin-file, no-file, and near-prime applicants—who might be overlooked by traditional credit scoring models.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Optimized Loan Pricing and Limits:\"}),\" Organizations gain access to sophisticated tools for determining optimal loan amounts and risk-based pricing, combining Carrington Labs' data-driven recommendations with Oscilar's real-time risk monitoring.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Streamlined Portfolio Management:\"}),\" The partnership delivers comprehensive tools for ongoing portfolio monitoring and management, creating clear pathways for lenders to identify early risk signals and take proactive action.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We\\'re excited to partner with Oscilar to bring our credit risk analytics and alternative data capabilities to their innovative AI Risk Decisioning Platform,\" said Jamie Twiss, CEO of Carrington Labs. \"This partnership enables banks, fintechs, and consumer lenders to implement sophisticated lending strategies through Oscilar\\'s advanced technology framework. Together, we\\'re helping organizations expand access to credit while maintaining strong risk controls.\"'}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning™ Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h2\",{children:\"About Carrington Labs\"}),/*#__PURE__*/e(\"p\",{children:\"Carrington Labs is a specialized credit risk analytics firm that helps lenders make more informed lending decisions. Based in Sydney, Australia, Carrington Labs provides plug-and-play credit risk analytics that integrate into existing systems—helping lenders expand approvals, optimize pricing, and manage risk across the entire borrower lifecycle. The company's solutions combine traditional credit data with open banking transaction data to deliver product-specific credit risk insights and loan limit recommendations. Developed by data scientists and engineers dedicated to advancing the world of lending, Carrington Labs' models have been trained on more than 1 billion data points and validated through over $1 billion in loans issued through their consumer lending business. Carrington Labs serves a diverse range of clients including lenders, fintechs, and financial institutions, helping them build a more complete picture of creditworthiness and make more informed, transparent, and inclusive lending decisions.\"})]});export const richText6=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\", a leading provider of AI Risk Decisioning™ platform, is pleased to announce a strategic partnership with \",/*#__PURE__*/e(n,{href:\"https://brightlane.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Brightlane\"})}),\", a management consulting and strategy firm specializing in financial services advisory. This collaboration brings together Oscilar's advanced AI-powered risk decisioning technology with Brightlane's deep regulatory expertise to deliver comprehensive risk management solutions for financial institutions and financial technology companies across the United States.\"]}),/*#__PURE__*/e(\"p\",{children:'\"Today\\'s financial institutions and fintechs need both sophisticated AI technology and specialized regulatory expertise to effectively navigate complex compliance landscapes,\" explained Neha Narkhede, Co-Founder & CEO of Oscilar. \"By partnering with Brightlane, we\\'re integrating our AI Risk Decisioning™ Platform with their industry-leading advisory services to create solutions that empower organizations to innovate while maintaining regulatory compliance.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Combining AI-Powered Risk Decisioning with Regulatory Expertise\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership integrates Oscilar's sophisticated AI Risk Decisioning™ Platform with Brightlane's extensive experience in regulatory compliance and financial services consulting. By leveraging Brightlane's deep industry knowledge and Oscilar's advanced risk assessment capabilities, the partnership delivers enhanced solutions that protect financial institutions and fintechs from compliance risks while enabling faster, more efficient innovation cycles.\"}),/*#__PURE__*/e(\"p\",{children:\"Organizations can now benefit from Brightlane's regulatory expertise implemented through Oscilar's no-code AI platform, enabling more effective risk management across the entire customer lifecycle.\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Features and Benefits of the Partnership\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"AI-Powered Regulatory Compliance:\"}),\" The integration combines Brightlane's deep regulatory expertise with Oscilar's AI Risk Decisioning™ Platform, enabling financial institutions to automate compliance processes while maintaining the highest standards of regulatory adherence.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Accelerated De Novo Bank Formation:\"}),\" Financial groups seeking to establish new banking institutions benefit from streamlined charter approval processes, leveraging Oscilar's data analytics capabilities alongside Brightlane's experience in successfully guiding over 100 new bank formations.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced Third-Party Risk Management:\"}),\" Organizations gain comprehensive tools for assessing, onboarding, and monitoring fintech partnerships, combining Brightlane's due diligence frameworks with Oscilar's real-time risk monitoring to reduce exposure while enabling innovation.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Strategic Innovation Roadmaps:\"}),\" The partnership delivers customized technology and compliance strategies that help financial institutions leverage AI advancements while navigating complex regulatory environments, creating clear pathways for sustainable growth and competitive advantage.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We\\'re excited to partner with Oscilar to bring our regulatory expertise and strategic advisory services to their innovative AI Risk Decisioning Platform,\" said Chris Johnson, CEO & Managing Partner at Brightlane. \"This partnership enables banks, fintechs, and consumer lenders to implement sophisticated risk management strategies through Oscilar\\'s advanced technology framework. Together, we\\'re helping organizations navigate complex regulatory landscapes while accelerating innovation and growth.\"'}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning™ Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h2\",{children:\"About Brightlane\"}),/*#__PURE__*/e(\"p\",{children:\"Brightlane is a management consulting and strategy firm based in Atlanta that provides value-added advisory services to banks, fintechs and consumer lenders. Formed in 2025 by fintech executives, compliance experts, and regulatory examiners, the firm brings over 40 years of industry experience to help partners navigate the complex financial landscape. Brightlane offers comprehensive services including De Novo Bank Formation, Compliance & Risk Management, Fintech Partnerships, Licensing Management, and Operational & Strategic Planning. Their team has built banks and fintechs from the ground up, providing strategic guidance across the enterprise every step of the way. Using modern AI-tools and inserting professional experts in the loop, Brightlane expedites remedial tasks and automates processes, while sacrificing zero quality. The company's mission is to empower banks and fintechs to navigate regulatory complexities efficiently by leveraging the synergy of cutting-edge AI and seasoned expertise for successful business outcomes.\"})]});export const richText7=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[\"Our CEO and Co-founder, Neha Narkhede, was recently featured on \",/*#__PURE__*/e(n,{href:\"https://regulationinnovation.org/podcast/ai-for-managing-risk-oscilar-ceo-neha-narkhede/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"The Barefoot Innovation Podcast\"})}),\", where she discussed how AI is transforming risk management in financial services. Host Jo Ann Barefoot also explores how Oscilar's unified AI Risk Decisioning™ platform helps financial institutions better manage fraud, compliance, and credit risk.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Key Highlights\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Oscilar's unified approach\"}),\": Provides a complete suite of risk decisioning solutions (KYC/KYB, credit underwriting, fraud, AML compliance) in one AI-powered platform\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Customer reach\"}),\": Serves top banks, credit unions, and fintechs including Dave, Nuvei, and Happy Money across North America, UK, and Latin America\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Shared intelligence\"}),\": Creates a 360\\xb0 view of user risk profiles by processing thousands of signals in milliseconds and sharing intelligence across all customer touchpoints\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Fighting AI with AI\"}),\": Using advanced techniques to combat sophisticated fraud attempts like synthetic identities and deepfakes\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Regulatory perspectives\"}),\": Balancing explainability requirements with effective fraud detection, advocating for outcome-focused regulatory frameworks\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Growing threat landscape\"}),\": Synthetic identity fraud (70-80% of all fraud), social engineering scams, and push payment fraud represent the fastest-growing threats\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Advice for regulators\"}),\": Emphasis on collaborative innovation, principles-based approaches, structured industry dialogue, and recognizing technology's role in enhancing compliance\"]})})]}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(n,{href:\"https://regulationinnovation.org/podcast/ai-for-managing-risk-oscilar-ceo-neha-narkhede/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Listen to the full episode\"})})}),/*#__PURE__*/e(\"h2\",{children:\"Full Episode Transcript\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: We have a fantastic show today. My guest is Neha Narkhede, who is the co-founder and CEO of Oscilar. Neha, thank you for joining me.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Thank you so much for having me on, Jo Ann.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: We are doing a lot of work in the realm of financial crime and fraud. It seems to just be a skyrocketing topic all over the world, so we're really looking forward to hearing about what you're doing at Oscilar. But first, tell us about yourself? What's your own background and what's the journey that brought you to this work?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: My background is in data and AI technology. Oscilar is my second company. My first company, Confluent, makes real time data and AI software. As part of taking Confluent public, I got an opportunity to work with major financial institutions, given how big Confluent's reach was. I discovered that fraud risk and compliance were actually the biggest use cases of data and AI in the modern world. What I identified was a critical gap in the market, which is fragmentation. Point solutions focused on very individual aspects of risk management. They don't just share signals across the customer lifecycle, across products. For example, if you detect synthetic identity risk during onboarding, that valuable signal cannot inform payment fraud decisions at transaction stage. I founded Oscilar to bridge this gap by creating a unified AI powered and real-time risk decisioning platform that provides a more complete 360 degree view of the user's risk profile across the entire customer journey.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Tell us more then about Oscilar? When did you found it? What's the current scope of what you're doing? Then we'll go deeper on the solutions that it's providing.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. Oscilar was founded a little less than four years ago. What we do is basically provide a complete suite of risk decisioning solutions from KYC, KYB, onboarding risk to credit underwriting risk to fraud risk and AML compliance risk all-in-one platform powered by AI, and our focus is very much pragmatic and responsible use of AI to solve for all this AI-generated fraud that is happening today.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Who are your... Or give us some examples of the types of entities that are your customers?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Our customers range from top 60 banks to regional community banks, top credit unions, fast-growing FinTechs like Dave, Nuvei, Happy Money, and so it ranges quite a broad span of the entire FinTech space.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Are you in the US or global or international?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: We started by operating in North America, and I have now expanded Oscilar to the UK and Latin.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Tell us about the name, Oscilar?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. It's a great question. I get that asked all the time. I thought as I studied more the risk space, risk is never a static thing. It always bounces between two ends of a spectrum. On one side is higher approval, lower fraud. On the other side is lower approval. What I saw is risk just keeps oscillating between the two ends of the spectrum, and so that is why I came up with the name Oscilar.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: I love that. Great. Tell us more about how it works? I'm fascinated by this ability to enable the signals to be shared. It has seemed to us for a long time like one of the reasons that the criminals and money laundering people and fraudsters are winning against the good forces to such an extent is that it's very hard to share information in this space because it has to be kept private, it has to be kept secure, and there are so many barriers to flow of the information. How have you solved the problem of sharing the signals across?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Oscilar's technology, maybe I should just explain a little bit about how it works. It works by connecting dots that traditional systems miss because they operate in isolation. Traditional fraud systems look at a very narrow slice of data. Those that do identity verification just look at identity signals at onboarding time or just transaction signals later at transaction time. But simply put, in very simple words, they're like security guards who each watch one entrance without communicating with the other. Oscilar instead creates a unified view by processing thousands of signals in milliseconds, from device fingerprints to behavioral biometrics to transaction behavior histories. We then build unique cognitive signatures, is what we call them, for each user based on how good users interact, so we can then spot the bad ones once we understand how the good users behave. We monitor continuously across the entire customer journey from creating an account to logging in to transacting to also post-transaction monitoring to look for AML.\"}),/*#__PURE__*/e(\"p\",{children:\"We share that intelligence across all the touch points of the journey inside the company. Risk detected at one stage informs decisions at the other, which just where reasoning from first principles made all the sense to me. We leverage advanced and explainable AI models to use this shared intelligence, this 360 view, to make well-informed and accurate decisions for all types of online risk problems. For instance, if subtle device anomalies are detected during onboarding when you are creating the account or signing up, that signal is then remembered and it's factored into the transaction risk decision later. We've actually seen our customers catch 60% more account takeovers using just this approach. This is the platform it adopts to new threats in real time rather than relying on static rules, making Oscilar particularly effective against AI-powered fraud attempts like synthetic identities and deepfakes even.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: As the data is shared, do you need to work on encryption and other privacy measures as it's flowing? Because I know that many financial companies, part of the reason they silo information is that they don't feel like they are free to share the AML risk monitoring with the fraud monitoring, even though it seems logical to do so. Within the financial company, is it easy to just share actual identity information and personally identifiable information?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Across the company, yes. The way Oscilar is designed is it's privacy and security first. The way it is designed is data for a particular company does not leave that company's installation to another company. That's one aspect. But even within the company, a user touches different parts of the product at different points in time, and it exposes different forms of risk at each point of time. If that is not using a foundational 360 complete view of who the user is, how do they behave, how does that compare with behavior of good users versus bad users, that's actually a big lost opportunity. That is what is causing very high false positives. It gets in the way of good users, but it's also lowering the fraud detection rate because of all these missed opportunities given fraudsters just break into different aspects of the journey because they know that signals are not shared.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Yeah. Absolutely. The false positive issue is such a huge problem in this space as well as the false negatives as you're saying. Do you find issues arising that relate to the regulatory frameworks, either in AML or in other aspects of what you're doing? Are there areas where we could do a better job against fraud if we had some changes in the regulatory approach?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. I can give you my view on the current regulatory framework around AI and financial services and whether it's keeping pace with technological advancement or not. But in my view, I think these regulatory frameworks for AI in financial services are still evolving. They face challenges keeping pace with technology as technology is changing so rapidly right in front of our eyes. The current landscape, I think varies pretty globally too. EU's AI Act and the CFPB guidelines in the US are making progress in establishing these guardrails, but there are still significant gaps. Regulators are particularly focused on explainability and compliance, essentially ensuring AI decisioning is transparent, but particularly in credit risk. Now, this creates a balancing act for financial institutions as they need to adopt advanced AI to combat increasingly sophisticated AI-powered fraud, like synthetic identities, while still ensuring that their models remain interpretable compliant.\"}),/*#__PURE__*/e(\"p\",{children:\"What we've done at Oscilar is we've designed our platform with regulatory [inaudible 00:11:31] AI, as I call it, from the very start. Our models are explainable, they have full audit trails. We built transparency into the risk decisioning, so you can always trace back to why a particular decision was made. I think this approach allows financial institutions to leverage this advanced AI for better risk detection while maintaining regulatory compliance. I think the most effective path forward involves a dialogue between innovators and regulators to establish pragmatic frameworks that protect consumers, but without stifling the technologies needed to combat this evolving AI-driven financial crime.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Interesting. The explainability issue is obviously important, but it sounds like it is a limiting factor. The ability to explain things to the comfort level of the regulator may limit the ability to get everything we could out of the tools. Is that true?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: That is true for some problems. For credit risk, I think it's completely justified to have a certain level of explainability. That's where fairness really matters. On the fraud side though, it's a little more nuanced. On the fraud side, there are certain fraud problems where it's just really hard to detect them if you just depended on the static rules or the old style machine learning models that are purely predictive. I think we are moving to a world where you need thousands of signals to be processed through multiple algorithms, and only machine learning and AI techniques can do that. Some of them are not explainable. Actually, that's the real dilemma that we face today as things stand today is not each one of those models are explainable. Now you're limited to actually using only those AI models that are explainable to even detect fraud, where some subsection of fraud just doesn't... It's not impactful to use the limited set of AI models.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Yeah. Can you talk to us about what types of fraud are growing most rapidly and why?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. I think synthetic identity fraud I believe is about 70 or 80% of all forms of fraud, and it is growing extremely fast, especially in Europe. The second, scams. Just social engineering scams are on an absolute rise. They are a huge problem globally, but also in specific geos and the APP account push payment fraud is now on its rise. I would say it hasn't reached the levels of fraud for synthetic identity and scams, but it is absolutely one of the fastest growing forms of fraud given that we are moving to more real-time payments.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Yeah. You just maybe answered what I was going to ask, which was, is push payments fraud growing? Okay. What can you share with us about the solutions beyond detection? Does Oscilar report suspicious activity to FinCEN in the US and so on directly or equip your customer to do so?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yes. Oscilar has built technology features for 314(a), 314(b) reporting. We enable our customers, the banks, the fintechs, to not only file SAR reports easily, but also report entities that need to be reported for various sanctions, etc., in a single click. That's something that we have done to make things easier. Also, on the SAR reporting side, I think risk operators spend about 80% just sifting through data. Maybe they miss certain data to add it to a SAR report, but we're using a Copilot, a generative AI-based Copilot called Oscilar AI, which just pre-fills everything, saves a huge amount of time so the human can just go in and review things and then hit submit. There are some very important operational as well as feature-specific improvements that we've done in that zone.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Okay. Great. Do you have a perspective on whether law enforcement is making any headway in getting at the sources of fraud? Your customers have to detect it and either prevent the fraudulent entity from getting into their institution, or if it's already in there, finding the problems that are occurring and reporting them and shutting it down. But when we think about the global trends in this realm, are there things that you think that government could be doing that would be actually creating enough disincentive that we could turn the tide?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yes. I think we should facilitate secure intelligence sharing when it comes to fraud. Financial crime exploits gaps between institutions, so creating protected channels for sharing these emerging fraud patterns can certainly help the entire ecosystem respond much faster while also maintaining privacy controls. I absolutely think this intelligence sharing network, which is supported by law enforcement, is extremely effective in really curbing forms of fraud because fraud doesn't just impact one organization or one person. That particular fraudster actually goes after hundreds of organization across thousands of users. If one entity had reported it, then at least the other entities could have saved themselves a lot of effort.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Do you have a view on whether the privacy protection capabilities are robust enough to enable that broader sharing? Because that's the thing we always hear about is if you are a bank or if you are a law enforcement entity, you have to protect the privacy of innocent people who may be reflected in data that you would be sharing, and you have to protect the integrity of an investigation if there is one. You have to limit the exposure of that information or encrypt it or do something that doesn't just share it widely. What are the solutions for that today?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. Cryptography has actually made a lot of progress to a point where the encryption protocols that will be in use, whether you're sharing the data in flight or you're storing the data at rest, those encryption protocols are in place and ready to use if you were to do this kind of intelligence sharing. Think about creating a signature for a particular user and their, let's say, device and not having to share the particular user's PII at all, but just sharing that signature, which is cryptographically generated, that itself will be different for two different devices so those kinds of encryption technologies can be put into effect to actually share it in a data privacy manner.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Interesting. Do you have a view on whether we should be moving toward more digital identity infrastructure as a privacy and data sharing and financial access opportunity? I know I'm pulling you a little beyond your primary scope, but you're so thoughtful on all of the solutions here.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: By digital identity, do you mean an API-based verification of diver's license or passport and stuff like that?\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Yeah. Probably.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. Absolutely. I think if we had an infrastructure like let's call it identity verification for driver's license, for passport, that entities could simply call out to and get an answer to. That ultimately is going to curb synthetic identity fraud like nothing else will. That I think if we did that, then we are many steps ahead of the fraudsters. In the absence of that, you have to use many other techniques. You can still stop synthetic identity fraud, but it becomes a pretty big technological investment.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: This is fascinating. What have we not talked about that you want to add?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Let's see. I think one thing that might be helpful is how does Oscilar balance the need for this comprehensive data analysis with privacy concerns and regulations on the other hand?\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: How do you?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: At Oscilar, we balance this comprehensive data analysis with privacy through both technical architecture as well as governance practices that we have in place. First, we design our platform privacy by design principles. For example, when analyzing device intelligence and behavior data, we focus on patterns and anomalies rather than PII. Our models are trained to detect fraud signals without requiring excessive personal data. That's one. The second is we maintain strict data segregation. Like I was mentioning, our unified platform connects insights across the customer journey, but establishes appropriate controls on what data can be shared even between different risk functions in an organization. This ensures compliance with regulatory requirements while still enabling this holistic risk view that makes our approach effective. Third and last thing is we ensure all AI models are transparent and explainable. Financial institutions must justify their decisions to both consumers and regulators, so our technology can just provide them clear audit trails of why, when, what happened, and show them exactly what factors influenced each risk decision or assessment. I think the key is treating privacy not as an obstacle, but as a fundamental design requirement.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Are you seeing... As we see the rapid uptake of generative AI in particular today, I know many, many people in the industry are establishing or changing their governance approaches and standards around use of AI. Are you encountering more of that as a line of questions or is it just the normal traditional review of the vendor risk approach that you're going through? It seems like there's two streams of change, one being adoption of new kinds of tools like yours, and the other being this overall focus at many institutions on AI governance.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. Our bigger customers do worry about and ask questions about our use of generative AI technology and how we're using it, where the data goes, whether that data is encrypted or not. These questions are legitimately coming up and they should. Our smaller customers, of course, have more understanding of the latest technology, so they're less worried about that. But we work a lot on education to our customer base on how we are using that technology. For instance, we don't just paste things in ChatGPT and get answers. Right? That's not secure. That's not a secure way to use it.\"}),/*#__PURE__*/e(\"p\",{children:\"You first of all turn on enterprise features in some of these tools that you might be using where they do not actually retain data beyond a certain small window. That's one. The data is encrypted over the wire as you send that using protocols like TLS, and then it is encrypted on rest using protocols like AES-256 and so on. There are ways in which you can use the generative AI technologies that make them very secure, very private, and very practical to use as well. But to answer your question, the questions do come up in our slightly larger and more traditional customers.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Do you look forward, Neha, toward where we're headed in let's call it financial services, risk management and compliance? Your company is at the cutting edge of using data and technology in new and better ways. Do you think that we're moving toward a system in which the risk managers will really have the good information that they need and the good analytical tools that they need to make a big difference in the risk issues facing financial companies and the compliance issues? I worry that we are in a losing race currently where the risks are rising rapidly and most of the traditional tools of both regulators and industry risk managers are not equipped to keep up with those risks because the information is too fragmentary, as you say, too disconnected, too old, too hard to access. Do you envision that we're moving toward a much, much better system in the coming years?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. Absolutely. I think the vision I had also a little less than four years ago was that the space is moving towards the direction of consolidation, not fragmentation, and the space is moving toward a pragmatic use of AI, not using static rules like we used to. What have I seen in the last four years? Well, Oscilar has grown tremendously fast, so that has been the biggest indicator in my view on whether these two bets are paying off. That is one signal that we see. The second thing is, yes, a lot of the bigger FIs are stuck on technologies that are fragmented that have no idea how to use the late, the greatest in AI. It will take some time to supplement them. It will take some time to update them or remove them. That process is going to take a couple of years, but I absolutely see organizations of all shapes and sizes going after the vision of consolidation and use of pragmatic AI, including generative AI.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Do you have advice for regulators and policymakers as they think about trying to help us move toward that kind of a better model?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. I think there are some emerging trends that regulators and financial institutions should be preparing for now. There are three critical emerging trends, I think, in financial crime that require attention now. The first is AI-powered synthetic identity fraud is accelerating. Fraudsters are using this gen-AI tools to create realistically-looking fake identities, complete with deepfake photos and fabricated histories. These identities can pass traditional KYC checks, but they actually leave subtle inconsistencies across device interactions, application behavior, which is the silver lining. That is where technology that I mentioned before, like device fingerprinting, behavioral biometrics, if you employ that, then even synthetic identity risk is detectable.\"}),/*#__PURE__*/e(\"p\",{children:\"Financial institutions need that kind of advanced behavioral intelligence to detect these sophisticated attacks, at least when it comes to synthetic identity, which is huge. The second is cross-channel fraud is growing more coordinated. Criminals have figured out that there is fragmentation, but there are fraud rings entirely that exploit gaps between different systems in the same organization. Using information gathered in one channel to execute fraud in the other is a really big problem. This is what requires breaking down silos within organizations to create that unified view to not have any regulation come in the way of that. Third is I was mentioning real-time payment fraud. It's surging globally and instant payment systems are expanding rapidly. That's exactly the future of payments that we want. These attacks leave almost no time for manual review, making AI-powered prevention absolutely essential. We are seeing particular focus, sophisticated schemes in regions where real-time payments are well-established, especially in Europe. Regulators and institutions should focus on developing these cross-functional teams and ethos, implementing continuous monitoring capabilities and establishing frameworks for explainable AI that can adapt [inaudible 00:31:13] the speed of these emerging threats.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: That is fascinating. Is there anything you want to add that we haven't talked about?\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yeah. I'd like to leave some thoughts or something to share with regulators and policymakers listening to the podcast about how we can all prepare better for the future of financial technology.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Go ahead.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: My message to regulators and policymakers would be to embrace collaborative innovation rather than adversarial oversight. The most effective regulatory frameworks we've seen share three characteristics, right? First, they focus on outcomes and principles rather than prescriptive technical requirements. This allows innovation to flourish while maintaining strong consumer protections. A second, they create structured dialogue between industry and regulators early in the development process. When at Oscilar we share our approach to model governance and explainability during the development phase rather than after deployment, it actually has built trust and has prevented costly redevelopment.\"}),/*#__PURE__*/e(\"p\",{children:\"The third is they recognize that technology can create strengthened compliance, not just create new risks. Real-time monitoring, automated documentation, explainable AI are all the things that we as vendors can all enhance regulatory oversight while reducing that kind of operational burden. Finally, what I want to say is the fraud landscape is evolving rapidly, and AI powered attacks are becoming more sophisticated. By working together to develop frameworks that enable this responsible innovation, we can actually turn the tables on financial criminals and create a much more secure and inclusive financial system.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: I love those points. I want to actually reinforce the point that you made on moving toward principles and outcomes-based approaches, especially outcomes. There's been a debate for so many years between principles-based versus process-based requirements and prescriptive regulation, and they both have their pros and cons. But as we come into an era where there's a lot of ability to measure outcomes, I think we have work to do in defining what does a good outcome look like? Why are we regulating this thing and what do we want to see? Then not care so much about how it's achieved as whether it's achieved, whether we can improve those outcome performance metrics. We don't have a lot of that in financial services because until recently, it hasn't been possible usually to really measure it. But I think if we work collectively, as you say, and collaboratively, we can move toward a better system like that, better results.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Yes.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Yeah.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Absolutely.\"}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: That's wonderful. Where can people get information about Oscilar?\"}),/*#__PURE__*/t(\"p\",{children:[\"Neha Narkhede: Best way to reach us is through our website. There's a form to reach us via or email at \",/*#__PURE__*/e(n,{href:\"mailto:hi@oscilar.com\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"hi@oscilar.com\"})}),\".\"]}),/*#__PURE__*/e(\"p\",{children:\"Jo Ann Barefoot: Okay. Great. Neha Narkhede, thank you so much for being our guest today. It's been fascinating.\"}),/*#__PURE__*/e(\"p\",{children:\"Neha Narkhede: Thank you so much for having me, Jo Ann. I really enjoyed it.\"})]});export const richText8=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h6\",{children:\"Hey, it’s Andrew—I’m Oscilar’s Principal Brand Designer, here to welcome you to the new us. We’ve been hard at work on developing a whole new take on how we look. New colors, refreshed logo, updated typography, and an all-new visual language built on modularity. Here’s a little peek into some of the thinking behind it.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"video\",{autoPlay:!0,className:\"framer-image\",loop:!0,muted:!0,playsInline:!0,src:\"https://framerusercontent.com/assets/uSlb5X4mhezzqgONvkWu970pE.mp4\"}),/*#__PURE__*/e(\"h2\",{children:\"What were our goals?\"}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Mature our design language.\"}),\" Oscilar is growing, and that means our customers are too. Improving how we present ourselves is just another way we aim to meet the high quality bar enterprise teams demand from their tools and partners.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Improve our scalability.\"}),\" As teams grow, a lack of scalability becomes a big bottleneck for the unprepared. We needed to make sure that as we expand, our small brand design team (read: me) can keep up while maintaining a level of consistency across our growing material needs.\"]}),/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Raise our own bar.\"}),\" If we believe that our product is really good (which we do) then we know it deserves a visual identity that is also really good. It’s only fair that we put love and care into how we represent what our fantastic engineering team works hard to build. We want to be a design leader as well as a product and platform leader.\"]}),/*#__PURE__*/e(\"h2\",{children:\"The Process\"}),/*#__PURE__*/e(\"p\",{children:\"We moved with speed and intent, developing our new identity and reimagining all of our core branded collateral in less than 6 months. This was only possible through our team’s willingness to prioritize the high impact work, and avoid getting caught up in projects that were not as critical to our long-term goals. We held regular check-ins along the way with the rebrand core team, a small and focused group of Oscilarians dedicated to helping the work succeed. To make this large and sprawling project more manageable, we broke it down into 7 phases.\\xa0\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Strategic Alignment.\"}),\" Make sure company leaders are all in agreement on the foundational aspects of our target audience and high-level positioning.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Discovery and Research.\"}),\" Gather feedback from internal and external sources around the perception of our brand, and gather thorough examples of our top competitor’s brand execution.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Creative Exploration.\"}),\" Define our core traits that we want our identity to represent, and begin setting the initial direction for our visual style.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Identity Development.\"}),\" Work through the specifics of our identity elements, crafting the new identity through iteration based on all previous feedback and directional agreement.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Final Identity Approval.\"}),\" Present the new identity to founders and key leaders for final approval.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Internal Deployment.\"}),\" Walk the company through the new brand strategy internally, and devise a rollout plan for how our new identity will be deployed across all the places we show up.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Launch/Rollout\"}),\". Execute on our rollout plan and launch the new identity publicly. (We’re here!)\"]})})]}),/*#__PURE__*/e(\"h2\",{children:\"Design Elements\"}),/*#__PURE__*/e(\"p\",{children:\"Our new visual identity has been designed to be more flexible while staying consistent. This meant rethinking our colors to offer a broader range with more hues that can be applied with more systematic intent. Our core platform capabilities—Onboarding, Credit Underwriting, Fraud Defense, and AML Compliance—now each have preferred color applications, and our updated Oscilar Vermillion acts as a unifying hue across our materials.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"748\",src:\"https://framerusercontent.com/images/71fnJB9tgtUxY6c3h6R0OAeDE.png\",srcSet:\"https://framerusercontent.com/images/71fnJB9tgtUxY6c3h6R0OAeDE.png?scale-down-to=512 512w,https://framerusercontent.com/images/71fnJB9tgtUxY6c3h6R0OAeDE.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/71fnJB9tgtUxY6c3h6R0OAeDE.png 1496w\",style:{aspectRatio:\"1496 / 1496\"},width:\"748\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"748\",src:\"https://framerusercontent.com/images/Sz4vwcCWWHn4qQ9hyA3VBc97cWs.png\",srcSet:\"https://framerusercontent.com/images/Sz4vwcCWWHn4qQ9hyA3VBc97cWs.png?scale-down-to=512 512w,https://framerusercontent.com/images/Sz4vwcCWWHn4qQ9hyA3VBc97cWs.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/Sz4vwcCWWHn4qQ9hyA3VBc97cWs.png 1496w\",style:{aspectRatio:\"1496 / 1496\"},width:\"748\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"p\",{children:\"Typographically we’ve chosen Geist, an awesome font designed by the talented team at Vercel. It’s available as a Google Font which makes it easy to use almost everywhere, and its variable settings and monospaced sister font offer enough flexibility to make it our own.\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"1028\",src:\"https://framerusercontent.com/images/2GZ73SUlLelkxoCwqxlJ12dlaOw.png\",srcSet:\"https://framerusercontent.com/images/2GZ73SUlLelkxoCwqxlJ12dlaOw.png?scale-down-to=1024 745w,https://framerusercontent.com/images/2GZ73SUlLelkxoCwqxlJ12dlaOw.png?scale-down-to=2048 1490w,https://framerusercontent.com/images/2GZ73SUlLelkxoCwqxlJ12dlaOw.png 1496w\",style:{aspectRatio:\"1496 / 2056\"},width:\"748\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/t(\"p\",{children:[\"Our dimensional, modular graphic language takes inspiration from the modularity and innovation of the Oscilar platform. (\",/*#__PURE__*/e(\"strong\",{children:\"Sales alert:\"}),\" It features advanced ML models built for a multitude of use cases, and a GenAI-powered interface that is transforming what's possible in risk management. That’s what \",/*#__PURE__*/e(n,{href:{webPageId:\"fFDLnFr1K\"},motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"our customers\"})}),\" say, anyways.)\"]}),/*#__PURE__*/e(\"p\",{children:\"Like all designers I love a good grid, and since 3D opens up one extra axis on which things can be perfectly aligned with one another, naturally I jumped at the chance. Enter Spline, a 3D tool that has been a game-changer in allowing us to bring interactive elements to our website and other materials. We developed a system of tiles to represent our platform in a more abstract and visually interesting format, and built libraries of assets to make creating compositions more streamlined.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:/*#__PURE__*/e(\"br\",{className:\"trailing-break\"})}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"400\",src:\"https://framerusercontent.com/images/oVZ5ocq60C0rojq5AREl6sbhk.png\",srcSet:\"https://framerusercontent.com/images/oVZ5ocq60C0rojq5AREl6sbhk.png?scale-down-to=512 512w,https://framerusercontent.com/images/oVZ5ocq60C0rojq5AREl6sbhk.png?scale-down-to=1024 1024w,https://framerusercontent.com/images/oVZ5ocq60C0rojq5AREl6sbhk.png 1496w\",style:{aspectRatio:\"1496 / 800\"},width:\"748\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"750\",src:\"https://framerusercontent.com/images/mLC52nl6BKhEfks433fE8I0SO9g.jpg\",srcSet:\"https://framerusercontent.com/images/mLC52nl6BKhEfks433fE8I0SO9g.jpg?scale-down-to=1024 1021w,https://framerusercontent.com/images/mLC52nl6BKhEfks433fE8I0SO9g.jpg 1496w\",style:{aspectRatio:\"1496 / 1500\"},width:\"748\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"540\",src:\"https://framerusercontent.com/images/BzkaOwHyC9W1BZ5BtifFA9QosY.gif\",srcSet:\"https://framerusercontent.com/images/BzkaOwHyC9W1BZ5BtifFA9QosY.gif?scale-down-to=512 512w,https://framerusercontent.com/images/BzkaOwHyC9W1BZ5BtifFA9QosY.gif?scale-down-to=1024 1024w,https://framerusercontent.com/images/BzkaOwHyC9W1BZ5BtifFA9QosY.gif 1080w\",style:{aspectRatio:\"1080 / 1080\"},width:\"540\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"800\",src:\"https://framerusercontent.com/images/SaiacBcYxKX48MIr091P4zV0.gif\",srcSet:\"https://framerusercontent.com/images/SaiacBcYxKX48MIr091P4zV0.gif?scale-down-to=512 512w,https://framerusercontent.com/images/SaiacBcYxKX48MIr091P4zV0.gif?scale-down-to=1024 1024w,https://framerusercontent.com/images/SaiacBcYxKX48MIr091P4zV0.gif 1600w\",style:{aspectRatio:\"1600 / 1600\"},width:\"800\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"748\",src:\"https://framerusercontent.com/images/AmQ9OeZ88DBKt0OQTFOdH70dno.jpg\",srcSet:\"https://framerusercontent.com/images/AmQ9OeZ88DBKt0OQTFOdH70dno.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/AmQ9OeZ88DBKt0OQTFOdH70dno.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/AmQ9OeZ88DBKt0OQTFOdH70dno.jpg 1496w\",style:{aspectRatio:\"1496 / 1496\"},width:\"748\"}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"748\",src:\"https://framerusercontent.com/images/yYR5WDMQgzQ5f4V4acEjHGugKQ.jpg\",srcSet:\"https://framerusercontent.com/images/yYR5WDMQgzQ5f4V4acEjHGugKQ.jpg?scale-down-to=512 512w,https://framerusercontent.com/images/yYR5WDMQgzQ5f4V4acEjHGugKQ.jpg?scale-down-to=1024 1024w,https://framerusercontent.com/images/yYR5WDMQgzQ5f4V4acEjHGugKQ.jpg 1496w\",style:{aspectRatio:\"1496 / 1496\"},width:\"748\"}),/*#__PURE__*/e(\"h2\",{children:\"A Continuous Effort\"}),/*#__PURE__*/e(\"p\",{children:\"We see this initial refresh as\\xa0just the beginning—the start of a new chapter in Oscilar’s approach to design. We’ll continue to evolve, experiment, and iterate, and we look forward to continuing to raise our bar even further. We think this graphic system has a lot of room to grow and mature into many cool directions, so make sure to stay tuned for what other neat things we cook up.\\xa0\"}),/*#__PURE__*/e(\"p\",{children:\"Major thanks to Neha Narkhede, Tomas Lobo, Amy Sariego, Aaron Steger, Arman Armaghanyan, and the rest of the Oscilar team who provided feedback and insights throughout the process. The next phase in our design journey starts now.\"})]});export const richText9=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Oscilar\"})}),\", a leading provider of AI Risk Decisioning™ platform, is pleased to announce a strategic partnership with \",/*#__PURE__*/e(n,{href:\"https://www.grailpay.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"GrailPay\"})}),\", the authorization and confidence layer for bank payments data. This collaboration brings together Oscilar's advanced AI-powered risk decisioning technology with GrailPay's modern bank account intelligence to deliver comprehensive risk management solutions for financial institutions and financial technology companies across the United States.\"]}),/*#__PURE__*/e(\"p\",{children:'\"Today’s financial institutions and fintechs need both sophisticated AI technology and specialized payment infrastructure to effectively enhance the payment experience and reduce returns ,\" explained Neha Narkhede, Co-Founder & CEO of Oscilar. \"By partnering with GrailPay, we\\'re integrating our AI Risk Decisioning™ Platform with their innovative account and routing validation to create solutionsfor faster, safer money movement.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Combining AI-Powered Risk Decisioning with Bank Payment Expertise\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership integrates Oscilar's sophisticated AI Risk Decisioning™ Platform with GrailPay's specialized bank account validation and ACH payment infrastructure. By leveraging GrailPay's extensive data coverage and Oscilar's advanced risk assessment capabilities, the partnership delivers enhanced solutions that protect financial institutions and fintechs from billions in annual losses while enabling faster, more efficient payment flows.\"}),/*#__PURE__*/e(\"p\",{children:\"Organizations can now benefit from GrailPay's machine learning-enhanced risk tools implemented through Oscilar's no-code AI platform, enabling more effective fraud prevention across the entire customer payment lifecycle.\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Features and Benefits of the Partnership\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Bank Payment Security:\"}),\" The integration combines GrailPay's Account Intelligence and Transaction Intelligence with Oscilar's AI-powered risk assessment engine, providing holistic solutions for fraud prevention, ACH payment risk management, and regulatory compliance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced Risk Detection:\"}),\" Organizations can leverage GrailPay's real-time account validation alongside Oscilar's machine learning models to detect and prevent various types of payment risk, from account opening to transaction monitoring.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We\\'re excited to partner with Oscilar to bring our bank account verification and transaction risk scoring to their innovative AI Risk Decisioning Platform,\" said Will Messina, CEO at GrailPay. \"This partnership enables banks, fintechs, and any payment processor to implement sophisticated risk management strategies through Oscilar\\'s advanced technology framework. Together, we\\'re fighting the billions of losses in ACH payments annually while helping organizations move money faster and more securely.\"'}),/*#__PURE__*/e(\"h2\",{children:\"About Oscilar\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning™ Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h2\",{children:\"About GrailPay\"}),/*#__PURE__*/e(\"p\",{children:\"GrailPay is building the bank account network and authorization layer for de-risked, faster payments. The company exists to make moving money from bank account to bank account better—safer, faster, and more efficient—by offering the safest and most efficient authorization network for bank payments. GrailPay provides data-intensive, highly technical risk tools and payment processing capabilities that combat the billions in waste and fraud in ACH payments annually. Their comprehensive platform includes Account Intelligence for real-time bank account validation and Transaction Intelligence for payment risk assessment, all powered by proprietary machine learning algorithms that maximize data coverage.\"})]});export const richText10=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"p\",{children:\"As financial institutions face an increasingly complex landscape of threats, regulations, and customer expectations, the limitations of legacy risk management systems have become more apparent than ever. For banks and financial institutions operating on decades-old technology, the challenge isn't just about adding AI capabilities—it's about fundamentally transforming risk management approaches to meet today's demands.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Legacy System Challenge\"}),/*#__PURE__*/e(\"p\",{children:\"Modern financial institutions are often operating in two worlds: one built on established systems that have served them for decades, the other demanding real-time decisions, seamless customer experiences, and protection against sophisticated threats. This dichotomy creates several critical challenges:\"}),/*#__PURE__*/e(\"h3\",{children:\"Fragmented Tools Across the Enterprise\"}),/*#__PURE__*/e(\"p\",{children:\"Legacy banks and financial institutions typically rely on a patchwork of specialized tools accumulated over time—separate systems for onboarding, underwriting, payments, compliance, and fraud detection. These siloed approaches made sense when implemented, but today they create significant operational inefficiencies.\"}),/*#__PURE__*/e(\"p\",{children:\"Legacy banks and financial institutions typically rely on a patchwork of specialized tools accumulated over time—separate systems for onboarding, underwriting, payments, compliance, and fraud detection. While these siloed approaches made sense when implemented, they now create significant problems across multiple dimensions:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Siloed Data and Decision Engines:\"}),\" Customer information scattered across disconnected systems prevents institutions from forming a complete risk picture. Credit risk data remains separate from fraud signals and compliance information, allowing sophisticated threats that span multiple systems to go undetected. These disconnected decision engines apply inconsistent rules, sometimes flagging a customer as high-risk in one system while treating them as premium in another.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Broken Customer Journeys:\"}),\" Customers experience disjointed interactions when navigating processes that span multiple systems. A legitimate customer might face repeated, unnecessary friction points when opening an account, making a purchase, and transferring funds—damaging relationships and trust.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investigation Inefficiencies:\"}),\" Risk analysts must navigate between 4-6 different systems to gather information about a single suspicious transaction. This context switching doesn't just waste time—it prevents seeing the complete picture and making informed decisions quickly.\"]})})]}),/*#__PURE__*/t(\"p\",{children:[\"The problem is compounded by aging infrastructure. The average core banking system at U.S. regional banks is 20-30 years old, often running on COBOL or other legacy languages that fewer developers understand each year. \",/*#__PURE__*/e(n,{href:\"https://www.mckinsey.com/industries/financial-services/our-insights/unlocking-value-from-technology-in-banking-an-investor-lens\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"McKinsey reports\"})}),\" that banks spend 70-80% of their IT budgets simply maintaining these legacy systems, leaving little for innovation or improvement.\"]}),/*#__PURE__*/e(\"h3\",{children:\"Data Integration Nightmares\"}),/*#__PURE__*/e(\"p\",{children:\"Perhaps the most frustrating challenge for financial institutions using legacy systems is data management. As one bank executive recently shared: \\\"If one field changes in a file, it breaks the data feed, and we don't catch it for days. There's a system change, and the feed breaks—we don't get it for 30 more days. It's a constant battle.\\\"\"}),/*#__PURE__*/e(\"p\",{children:\"Without an orchestration layer to handle data integrations, transformations and quality checks, institutions face:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Inconsistent data formats across systems\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Delayed detection of broken data feeds\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Manual reconciliation processes\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Inability to track if all intended data was actually loaded\"})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"500\",src:\"https://framerusercontent.com/images/rqaP9bPcW6sebC0eSHrMYR24P8.png\",style:{aspectRatio:\"1280 / 1000\"},width:\"640\"}),/*#__PURE__*/e(\"p\",{children:\"For risk teams, these integration issues don't just create operational headaches—they directly impact the effectiveness of monitoring programs. Missing transactions can create surveillance gaps, while data quality issues generate false positives that waste valuable analyst time.\"}),/*#__PURE__*/e(\"h3\",{children:\"Operational Inefficiency at Scale\"}),/*#__PURE__*/e(\"p\",{children:\"The combination of fragmented tools and data challenges creates a perfect storm of operational inefficiency that impacts every aspect of risk management:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Incomplete Decision-Making Data:\"}),\" Critical customer journey information remains scattered across systems and unavailable at the point of decisioning. Risk engines make determinations based on partial data, leading to both missed fraud and unnecessary customer friction.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Suboptimal Detection Models:\"}),\" Rules and ML models operating on siloed data perform significantly worse than those with access to comprehensive information. Detection systems can't correlate signals across domains, allowing sophisticated attackers to thrive by exploiting the gaps between systems.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Development Bottlenecks:\"}),\" Creating, testing, and deploying new rules or model updates takes weeks or months due to complex dependencies and technical constraints. By the time changes are implemented, attack patterns have often evolved further.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Investigation Inefficiency:\"}),\" Risk analysts must navigate 5-7 different systems to gather information for a single case, spending 60-70% of their time on data collection rather than analysis. This extends investigation times from minutes to days, delaying both fraud prevention and legitimate customer approvals.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Manual Operations Burden:\"}),\" Customer support and fraud operations teams spend an excessive amount of time on manual reviews and exception handling. False positive rates often exceed 95% for traditional AML transaction monitoring, overwhelming teams with unproductive work.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Elevated Customer Friction:\"}),\" Without unified risk intelligence, systems default to higher-friction security measures—additional MFA challenges, selfie checks, and verification steps—even for legitimate customers with established histories.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Security Gaps in Siloed Systems:\"}),\" Despite this effort, fraud still penetrates through the cracks between systems. Attackers specifically target these organizational boundaries, moving between siloed domains to avoid detection while building complex fraud schemes.\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"For financial institutions under pressure to reduce operational costs while improving risk management, these inefficiencies create an unsustainable situation, especially as recent talent shortages have hit banking IT departments particularly hard, with financial services facing 2-3x longer hiring times for technical roles.\"}),/*#__PURE__*/e(\"h2\",{children:\"Market Shifts Driving Modernization\"}),/*#__PURE__*/e(\"p\",{children:\"While legacy systems struggle, several market forces are accelerating the need for change:\"}),/*#__PURE__*/e(\"h3\",{children:\"Evolving Payment Innovations\"}),/*#__PURE__*/e(\"p\",{children:\"Traditional banks are increasingly becoming sponsor banks or implementing new payment types—mobile wallets, real-time payments, cryptocurrency integrations—that legacy systems weren't designed to monitor. These payment innovations create new risk vectors that require more sophisticated detection capabilities.\"}),/*#__PURE__*/e(\"p\",{children:'\"A lot of banks are now becoming either sponsor banks, or they have new types of innovative payments,\" notes one industry expert. \"As they look at these modern payment innovations, it\\'s important to use new generation detection technologies to protect against attackers.\"'}),/*#__PURE__*/e(\"h3\",{children:\"Customer Experience Expectations\"}),/*#__PURE__*/e(\"p\",{children:\"Today's customers expect frictionless digital experiences—instant account opening, real-time payments, and seamless authentication. Legacy risk systems, designed primarily for security rather than experience, often create unnecessary friction through rigid workflows and high false positive rates.\"}),/*#__PURE__*/e(\"p\",{children:\"Financial institutions that fail to balance security and experience risk losing customers to more technologically advanced competitors. Major banks like JP Morgan have announced multi-billion dollar AI investments (over $12B in 2023), increasing competitive pressure on smaller institutions to modernize.\"}),/*#__PURE__*/e(\"h3\",{children:\"Increasingly Sophisticated Threats\"}),/*#__PURE__*/e(\"p\",{children:\"Perhaps most concerning, financial criminals have embraced advanced technologies faster than many institutions can implement them. From coordinated fraud rings using synthetic identities to sophisticated money laundering networks, today's threats require detection capabilities that go far beyond traditional rules-based systems.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Modern Risk Management Approach\"}),/*#__PURE__*/e(\"p\",{children:\"Forward-thinking financial institutions are addressing these challenges through a fundamentally different approach to risk management—one that replaces fragmented legacy systems with unified platforms powered by advanced AI.\"}),/*#__PURE__*/e(\"h3\",{children:\"Unified Platform vs. Siloed Tools\"}),/*#__PURE__*/e(\"p\",{children:\"The foundation of modern risk management is integration—bringing together previously siloed functions into a unified platform that provides a complete view of risk across the organization. This approach:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Eliminates context switching between multiple systems\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Creates a single source of truth for customer and transaction data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enables cross-domain risk assessment (combining fraud, AML, credit signals)\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Streamlines operations and reduces training requirements\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Simplifies maintenance and updates\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Rather than maintaining separate systems for different risk functions, unified platforms allow financial institutions to assess risk holistically—recognizing, for example, that the same signals might indicate both fraud and money laundering concerns.\"}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AI Risk Decisioning™ platform was specifically built from the ground up to integrate with legacy systems, featuring 60+ pre-built connectors to banking cores and data sources. This approach allows banks to leverage their existing infrastructure while gaining the benefits of modern technology.\"}),/*#__PURE__*/e(\"h3\",{children:\"Flexible Data Integration\"}),/*#__PURE__*/e(\"p\",{children:\"Modern platforms solve legacy data challenges through flexible data schemas and robust integration capabilities:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Easy access to any data, first-party data, or third-party data enrichments for decision making\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Accepting data in native formats rather than requiring rigid standardization\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Providing orchestration that handles transformations automatically\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Implementing real-time quality checks to detect missing or corrupted data\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Enabling self-service data mapping for non-technical users\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Supporting both batch and real-time data processing\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Instead of forcing institutions to adapt their data to the system, modern platforms adapt to the institution's data—dramatically reducing implementation times and ongoing maintenance requirements.\"}),/*#__PURE__*/e(\"h3\",{children:\"Self-Service Capabilities for Non-Technical Users\"}),/*#__PURE__*/e(\"p\",{children:\"Legacy systems often create a dependency on technical resources, with even minor changes requiring engineering support. As financial institutions grow, specialized knowledge becomes increasingly scattered across the organization, creating bottlenecks when risk strategies need adjustment. Modern platforms address this challenge by democratizing access to powerful risk management tools.\"}),/*#__PURE__*/e(\"h3\",{children:\"Empowering Domain Experts Regardless of Technical Background\"}),/*#__PURE__*/e(\"p\",{children:\"Modern platforms recognize that the most valuable risk insights often come from frontline experts who understand customer behavior and emerging threats but may lack technical skills. By providing intuitive interfaces, these platforms allow risk managers, compliance officers, and fraud analysts to implement their expertise directly:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Visual workflow builders for creating and modifying detection scenarios without coding\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Natural language interfaces for defining rules using everyday business terminology\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Self-service analytics and reporting capabilities accessible to non-technical users\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Business-friendly testing and simulation tools to validate changes before deployment\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Transparent rule logic that domain experts can understand and refine\"})})]}),/*#__PURE__*/e(\"h3\",{children:\"Breaking the Technical Resource Bottleneck\"}),/*#__PURE__*/e(\"p\",{children:\"This democratization of risk management directly addresses a critical resource constraint that most financial institutions face today: the scarcity of technical talent. Rather than forcing risk teams to compete for limited engineering and data science resources, modern platforms allow:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Fraud analysts to implement new detection strategies without waiting for developer availability\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Compliance teams to adjust monitoring parameters in response to regulatory changes\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Risk managers to refine customer segmentation based on emerging patterns\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Business users to create and modify risk workflows based on their domain expertise\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's no-code implementation approach exemplifies this philosophy, reducing dependency on technical teams and enabling the people who understand the risks best to directly implement and refine detection strategies. This approach not only accelerates response times to emerging threats but also ensures that valuable institutional knowledge—often spread across growing teams—can be effectively utilized regardless of where it resides in the organization.\"}),/*#__PURE__*/e(\"h2\",{children:\"AI's Transformative Role in Risk Management\"}),/*#__PURE__*/e(\"p\",{children:\"AI isn't just an add-on feature for modern risk management—it's the foundation for a fundamentally different approach that addresses the limitations of legacy systems.\"}),/*#__PURE__*/e(\"h3\",{children:\"Beyond Rules: AI-Powered Detection\"}),/*#__PURE__*/e(\"p\",{children:\"While rules have their place, they struggle to detect novel threats and generate excessive false positives when applied broadly. AI models complement rules by:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Identifying complex patterns that rules would miss\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Adapting to evolving threats without manual updates\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Considering thousands of risk factors simultaneously\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Distinguishing between normal and suspicious behavior based on context\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Reducing false positives by understanding nuanced risk signals\"})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"762\",src:\"https://framerusercontent.com/images/f8zVt0j5hXm7JZ9jjiLGcBFTF0.png\",style:{aspectRatio:\"1280 / 1524\"},width:\"640\"}),/*#__PURE__*/e(\"p\",{children:\"The most effective approach combines the transparency and control of rules with the adaptive power of AI, using each where it provides the most value. This aligns with the Federal Reserve's 2024 guidance on AI in banking, which emphasized the need for responsible implementation while encouraging innovation.\"}),/*#__PURE__*/e(\"h3\",{children:\"Generative AI for Investigation and Analysis\"}),/*#__PURE__*/e(\"p\",{children:\"The latest frontier in risk management is generative AI, which transforms how analysts investigate and respond to potential threats:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Automatically summarizing key risk factors for rapid triage\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Generating investigation narratives that explain complex risk patterns\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Creating draft suspicious activity reports that analysts can review and refine\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Translating technical risk signals into clear, understandable language\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Providing recommendations based on similar historical cases\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's Gen-AI Co-Pilot exemplifies this approach, augmenting risk teams' capabilities rather than replacing human judgment. This co-pilot approach reduces resistance to adoption by positioning AI as a supportive tool that makes analysts more effective, not obsolete.\"}),/*#__PURE__*/e(\"h3\",{children:\"Behavioral Analytics for Precision Detection\"}),/*#__PURE__*/e(\"p\",{children:\"Traditional transaction monitoring relies heavily on threshold-based rules (flagging if there have been more than three wire transfers in a single day over $10,000, for example), generating excessive false positives. Modern behavioral analytics takes a different approach:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Building individual risk profiles based on each customer's normal behaviors\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Adjusting thresholds automatically based on customer segments and history\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Identifying anomalies relative to established patterns rather than fixed thresholds\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Considering contextual factors like location, device, and transaction type\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Correlating signals across multiple dimensions to reduce false positives\"})})]}),/*#__PURE__*/e(\"p\",{children:\"For example, rather than flagging all large ATM withdrawals, a behavioral approach might only flag withdrawals that are unusual for that specific customer—dramatically reducing false positives while improving detection rates.\"}),/*#__PURE__*/e(\"h2\",{children:\"Implementation Strategies for Legacy Institutions\"}),/*#__PURE__*/e(\"p\",{children:\"Modernizing risk management isn't an all-or-nothing proposition. Financial institutions can take a phased approach that delivers value at each stage:\"}),/*#__PURE__*/t(\"ol\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Assessment\"}),\": Identify pain points in current processes and prioritize use cases based on business impact\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Data integration\"}),\": Implement flexible data platforms that can work with existing systems while enabling new capabilities\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Parallel deployment\"}),\": Run modern detection alongside legacy systems to validate performance before full migration\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Targeted replacement\"}),\": Modernize highest-priority use cases first while maintaining legacy systems for others\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Gradual expansion\"}),\": Extend modern platform coverage as benefits are proven and teams become comfortable\"]})})]}),/*#__PURE__*/e(\"img\",{alt:\"\",className:\"framer-image\",height:\"694\",src:\"https://framerusercontent.com/images/HyijA68ohMBWaAEz64Tt6tyoieQ.png\",style:{aspectRatio:\"1280 / 1388\"},width:\"640\"}),/*#__PURE__*/e(\"p\",{children:\"This measured approach allows institutions to realize benefits quickly while managing change and ensuring regulatory compliance throughout the transition. Oscilar's rapid deployment model enables a 4-6 week implementation timeline versus the industry standard of 6-12 months, with clear ROI demonstration within the first 90 days.\"}),/*#__PURE__*/e(\"h2\",{children:\"Case Study: TransPecos Banks Transformation\"}),/*#__PURE__*/e(\"p\",{children:\"TransPecos Banks, like many regional institutions, struggled with outdated risk management systems that were expensive to maintain and couldn't keep pace with evolving threats. Their legacy system required extensive technical support, generated high false positive rates, and made data integration a constant challenge.\"}),/*#__PURE__*/e(\"p\",{children:\"After implementing Oscilar's AI Risk Decisioning™ platform, TransPecos achieved:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"$3M+ in annual cost savings through operational efficiencies and reduced false positives\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Implementation time reduction from months to weeks\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"85% decrease in false positive alerts\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"40% increase in suspicious activity detection rates\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Empowered business users to make rule changes without IT dependency\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Regulatory Considerations\"}),/*#__PURE__*/e(\"p\",{children:\"Financial institutions must ensure that modernization efforts enhance rather than compromise regulatory compliance. Modern platforms support this through:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Comprehensive model documentation and validation capabilities\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Transparent, explainable AI that satisfies regulatory requirements\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Robust audit trails for all decisions and model changes\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Built-in testing and monitoring for fairness and bias\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Alignment with model risk management frameworks\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar provides an 83-page model validation document that details everything from data quality management to testing methodologies, making it easy to satisfy examiner requests. The platform's zero-trust approach means institutions can export every transaction ever processed, every decision made, and all the data used to make those decisions with a single button press—no vendor dependency required.\"}),/*#__PURE__*/e(\"h2\",{children:\"The Path Forward: The Journey, Not Just the Tools\"}),/*#__PURE__*/e(\"p\",{children:\"Ultimately, successful risk management modernization isn't just about implementing new technology—it's about transforming how financial institutions approach risk management. This transformation involves:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Shifting from reactive to proactive risk monitoring\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Breaking down silos between risk domains\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Empowering business users to directly manage risk strategies\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Embracing continuous improvement rather than periodic updates\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Balancing security and customer experience through targeted friction\"})})]}),/*#__PURE__*/e(\"p\",{children:\"Legacy banking and financial institutions face unprecedented challenges in today's risk landscape. Fragmented tools, data integration difficulties, and operational inefficiencies create risks and costs that can no longer be ignored. By embracing unified platforms powered by advanced AI, these institutions can transform risk management from a reactive, resource-intensive function to a proactive, efficient capability that protects against modern threats while supporting business growth.\"}),/*#__PURE__*/e(\"p\",{children:\"The path forward doesn't require a complete overnight transformation. With the right strategy and technology partners, financial institutions can modernize incrementally, delivering value at each stage while ensuring regulatory compliance and operational continuity. The result is a risk management capability that's not just more efficient, but fundamentally more effective at addressing today's complex risk landscape.\"}),/*#__PURE__*/t(\"p\",{children:[\"Ready to transform your risk management approach? \",/*#__PURE__*/e(n,{href:\"https://oscilar.com/demo-form-2\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"Schedule a demo\"})}),\" and see how our AI Risk Decisioning™ platform can help your institution.\"]})]});export const richText11=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/e(\"h6\",{children:\"Oscilar, a leading provider of AI Risk Decisioning™ Platform, is pleased to announce a strategic partnership with HDX Global, a consultancy firm specializing in Payments, Strategy, Fraud, Risk & Compliance. \"}),/*#__PURE__*/e(\"p\",{children:\"This collaboration brings together Oscilar's advanced AI-powered risk decisioning technology with HDX Global's 30+ years of payments industry expertise to deliver comprehensive fraud prevention and risk management solutions for financial institutions worldwide.\"}),/*#__PURE__*/e(\"p\",{children:'\"In today\\'s financial landscape, organizations need both cutting-edge technology and deep industry expertise to effectively combat fraud,\" explained Neha Narkhede, Co-Founder & CEO of Oscilar. \"By partnering with HDX Global, we\\'re combining our AI Risk Decisioning™ Platform with their extensive payments industry knowledge to create solutions that address the complex challenges financial institutions face in managing fraud, credit, and compliance risks.\"'}),/*#__PURE__*/e(\"h2\",{children:\"Combining AI-Powered Risk Decisioning with Specialized Payments Expertise\"}),/*#__PURE__*/e(\"p\",{children:\"This partnership integrates Oscilar's sophisticated AI Risk Decisioning™ Platform with HDX Global's specialized consulting services in fraud, risk, compliance, and business strategy development. By leveraging HDX Global's deep industry knowledge and Oscilar's advanced risk assessment capabilities, the partnership delivers enhanced risk management solutions that protect financial institutions while supporting their growth objectives.\"}),/*#__PURE__*/e(\"p\",{children:\"Organizations can now benefit from HDX Global's strategic guidance implemented through Oscilar's no-code AI platform, enabling more effective risk management across the entire customer lifecycle.\"}),/*#__PURE__*/e(\"h2\",{children:\"Key Features and Benefits of the Partnership:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Comprehensive Risk Management:\"}),\" The integration combines HDX Global's payments industry expertise with Oscilar's AI-powered risk assessment engine, providing holistic solutions for fraud prevention, credit risk management, and regulatory compliance.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Strategic Implementation Support:\"}),\" Financial institutions gain access to HDX Global's consulting services to optimize their implementation of Oscilar's platform, ensuring maximum effectiveness and alignment with business objectives.\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(\"strong\",{children:\"Enhanced Fraud Prevention:\"}),\" Organizations can leverage HDX Global's fraud and risk strategies alongside Oscilar's machine learning models to detect and prevent various types of fraud, from account opening to transaction monitoring.\"]})})]}),/*#__PURE__*/e(\"p\",{children:'\"We\\'re excited to partner with Oscilar to bring our payments expertise to their innovative AI Risk Decisioning Platform,\" said Neil Smith, CEO & Founder at HDX Global. \"This partnership enables financial institutions to implement sophisticated risk management strategies through Oscilar\\'s advanced technology framework. Together, we\\'re providing solutions that not only protect businesses from fraud but support their growth and development in the global payments ecosystem.\"'}),/*#__PURE__*/e(\"h3\",{children:\"About Oscilar:\"}),/*#__PURE__*/e(\"p\",{children:\"Based in Palo Alto, California, Oscilar is the leading provider of AI Risk Decisioning solutions, empowering financial institutions to manage fraud, credit, and compliance risks effectively. At the heart of Oscilar's offerings is a no-code, AI Risk Decisioning™ Platform that analyzes vast amounts of data in real-time, identifying patterns and anomalies to detect fraud, optimize credit assessments, and ensure regulatory compliance. Developed by the team behind industry-leading risk management platforms at companies like Google, Facebook, Uber, Citi and JPMC, Oscilar's solution enhances decision-making speed and accuracy, ensuring high security and regulatory compliance. Oscilar serves a broad array of organizations, including fintechs, banks, credit unions, and financial institutions, helping them navigate complex risk landscapes with confidence and stay ahead in the rapidly evolving financial services ecosystem.\"}),/*#__PURE__*/e(\"h3\",{children:\"About HDX Global:\"}),/*#__PURE__*/e(\"p\",{children:\"HDX Global is a consultancy firm specializing in Payments, Strategy, Fraud, Risk & Compliance. With over 30 years of experience in the payments industry, HDX Global is well positioned to drive partners, customers, and clients' business strategy in the payments sector. The company has a wealth of knowledge in fraud, risk, compliance, and cyber security solutions that can protect companies while driving their business models. HDX Global's services include compliance audits, fraud and risk strategies, business strategy development, and investor relations support. As Certified Professional Financial Crime Investigators and members of IAFCI, HDX Global has helped generate over $75M in revenue growth for customers and secured more than 25 global brands with risk and fraud security solutions.\"})]});export const richText12=/*#__PURE__*/t(r.Fragment,{children:[/*#__PURE__*/t(\"h6\",{children:['We are proud to announce that Oscilar has been named the winner of the \"Best Risk Decisioning Platform\" award in the 2025 ',/*#__PURE__*/e(n,{href:\"https://fintechbreakthrough.com/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"FinTech Breakthrough Awards\"})}),\" program! This recognition highlights our team's commitment to innovation in developing AI-powered solutions that help financial institutions make smarter, faster risk decisions.\"]}),/*#__PURE__*/e(\"h2\",{children:\"Standing Out in a Competitive Field\"}),/*#__PURE__*/t(\"p\",{children:[\"The FinTech Breakthrough Awards \",/*#__PURE__*/e(n,{href:\"https://fintechbreakthrough.com/2025-winners/\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!1,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:\"program\"})}),\" attracted over 4,500 nominations from companies across the globe this year, making the competition exceptionally fierce. Oscilar's selection as a winner places us alongside industry leaders including Brex, Mastercard, Revolut, Citi, FIS, Experian, Capital One, and other top companies reshaping the financial services landscape.\"]}),/*#__PURE__*/e(\"p\",{children:\"Oscilar's AI Risk Decisioning™ platform was recognized for its innovative approach to helping financial institutions detect and prevent fraud while streamlining transaction approvals. Our platform enables:\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Real-time risk assessment across multiple channels\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Advanced anomaly detection powered by machine learning\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Seamless integration with existing financial systems\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Significant reduction in false positives, improving customer experience\"})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/e(\"p\",{children:\"Comprehensive regulatory compliance support\"})})]}),/*#__PURE__*/e(\"h2\",{children:\"Industry Recognition\"}),/*#__PURE__*/e(\"p\",{children:'\"This award validates our mission to transform how financial institutions approach risk management in the digital age,\" said Neha Narkhede, CEO and Co-founder of Oscilar. \"As fraud becomes increasingly sophisticated, our platform empowers organizations to stay ahead of threats while maintaining frictionless experiences for legitimate customers.\"'}),/*#__PURE__*/e(\"p\",{children:\"The FinTech Breakthrough Awards program is devoted to honoring excellence in financial technologies and services companies that stand out in the crowded fintech market. The awards provide recognition for the breakthrough innovation that is characterized by the fintech industry's explosive growth.\"}),/*#__PURE__*/e(\"h2\",{children:\"Proven Customer Impact\"}),/*#__PURE__*/e(\"p\",{children:\"Our AI Risk Decisioning™ platform has delivered measurable results across a diverse range of financial services companies, with impressive metrics that demonstrate our commitment to tangible customer outcomes:\"}),/*#__PURE__*/e(\"h4\",{children:\"Fraud Prevention & Risk Management\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/flexcar\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Flexcar\"})})}),\" halved their risk rates from 10% to 5%, reduced subprime risk from 13% to 6%, and eliminated all asset losses after implementation\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/dibsy\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Dibsy\"})})}),\" achieved a 50% decrease in manual reviews while significantly reducing chargebacks\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/fluz\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Fluz\"})})}),\" boosted approval rates by over 20% while effectively combating first-party fraud\"]})})]}),/*#__PURE__*/e(\"h4\",{children:\"Operational Efficiency\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/coast\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Coast\"})})}),\" cut manual review time by 75%, saving over 750 hours annually\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/transend\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Transend\"})})}),\" now deploys credit models in hours instead of weeks with only ⅓ of the engineering resources required previously\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/balance\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Balance\"})})}),\" successfully transitioned their entire credit underwriting platform with minimal disruption in just 32 days\"]})})]}),/*#__PURE__*/e(\"h4\",{children:\"Speed to Market\"}),/*#__PURE__*/t(\"ul\",{children:[/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/super\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Super.com\"})})}),\" launched their loan origination system in less than a quarter\"]})}),/*#__PURE__*/e(\"li\",{\"data-preset-tag\":\"p\",children:/*#__PURE__*/t(\"p\",{children:[/*#__PURE__*/e(n,{href:\"https://oscilar.com/customers/balance\",motionChild:!0,nodeId:\"LW0fAVOt9\",openInNewTab:!0,relValues:[],scopeId:\"contentManagement\",smoothScroll:!1,children:/*#__PURE__*/e(a.a,{children:/*#__PURE__*/e(\"strong\",{children:\"Balance\"})})}),\" completed full production deployment just 32 days after signing their contract\"]})})]}),/*#__PURE__*/e(\"p\",{children:\"These success stories demonstrate how our AI-powered platform delivers both immediate ROI and long-term strategic value across fraud prevention, credit decisioning, and case management use cases. 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