Finic
Sign In

Blog

Launches, research and field notes on fraud, risk and financial crimes from the team at Finic.

Posts
  1. Fraud StrategyWhy decision models are the next step in fraud preventionRules are easy for fraudsters to probe, XGBoost models lag new fraud by months, and LLMs cost too much to run on every event. Why decision models like Grayson bring an analyst's judgment to every fraud decision, and where they beat what fraud teams already run.
  2. LaunchIntroducing Kairos: open-source fraud decisioning, tuned by your coding agentKairos is an open-source platform for real-time fraud and risk decisions. Your coding agent designs the experiments, Kairos runs them on your data, and the best ensemble of Grayson, our decision model, and traditional models like XGBoost goes live.
  3. WhitepaperQuestion-Bottleneck ScoringA whitepaper on predicting customer outcomes by asking a decision model plain-language questions and weighting its calibrated answers: human-quality judgment calls at the speed and cost of code.
  4. ResearchCan a decision model make loan default prediction more accurate?We added a decision model's judgment to a traditional credit model. With Grayson, it predicted defaults better on later loans, worth up to $155,000 per 10,000 applications in real loan outcomes. Jev's answers added less.
  5. ResearchCan a decision model make insurance fraud detection more accurate?We added a decision model's judgment to a traditional fraud model. With Grayson, it caught more auto insurance fraud in 10 of 12 test runs, worth about $410,000 a year for an insurer with 100,000 claims.
  6. LaunchIntroducing Finic GraysonGrayson is a universal decision model built for real-time decisions across fraud, risk and financial crimes. Send it any context and the questions you need answered, and get a calibrated probability for every answer in under 150 ms of model time for typical requests.
  7. ResearchBlack Hat 2026 Buzzword IndexBH 2026 felt more buzzwordy than usual. We measured every sponsor's Black Hat profile and landing page to see which buzzwords dominate, which are rising, and which are dying.
  8. LaunchOpen-source fraud investigation skills for AI agentsFirst Agent Skills purpose-built for fraud analysts. Drop them into Claude Code, Cowork, or Codex so your agent investigates this week's patterns.
  9. Fraud StrategyThe most expensive fraud event is the one you haven't named yetRules and models are useful once a pattern has a name. Organized fraud rings make money before that.