Banks Turn to Behavioural Biometrics to Fight App Fraud

Passwords, one-time codes and facial recognition typically verify a customer at login but offer less protection once a banking session is under way. Behavioural biometrics adds continuous monitoring, analysing signals such as typing cadence, swipe speed, touchscreen use, device handling and navigation paths. Banks can compare those patterns with a customer’s normal behaviour to flag account takeovers or signs that a legitimate user is being coached by a scammer, while allowing low-risk activity to proceed with little added friction.

A BioCatch survey of 100 fraud-management, anti-money-laundering and compliance executives at Singapore banks, reported on July 3, 2026, found 91% said fraud attempts were increasing and 75% reported rising losses. Some 36% said their institutions had implemented behavioural strategies. Of those that had not, 75% were actively considering behavioural biometrics and 20% planned to explore it later. The Singapore Police Force separately reported scam losses of S$913.1 million in 2025, underscoring the financial pressure behind the shift.