Unit21's No-code Fraud Defense
Trisha Kothari, CEO of Unit21, on the fraud problem in fintech
No code was the wedge that let Unit21 sell a deeply technical system to the people who actually own fraud losses. Risk and compliance teams need to change rules, investigate alerts, and tune thresholds as scams shift week to week, but they usually cannot wait on engineering. Unit21 built around that reality, so a VP of risk can ingest messy internal data, set logic, and block suspicious behavior before money leaves the platform.
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Unit21 sits after simple identity checks. It takes onboarding data, transaction data, login events, device signals, and account actions, then lets ops teams combine them into one user profile and decision flow. That is why customization mattered more than a fixed fraud score.
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This also explains the overlap with Alloy and Sardine. Alloy is strongest at identity and onboarding orchestration, Sardine is strong in device and behavior signals, and Unit21 has been used as the central decisioning and case management layer that consumes those inputs and turns them into actions.
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The practical buyer value is speed. Recent Unit21 customer examples show teams editing rules, workflows, and escalation paths without engineering tickets, which means a new fraud pattern can move from analyst insight to live control in hours instead of product sprint cycles.
The market is moving toward broader risk operating systems, but the winning products will keep the control surface in the hands of non technical teams. As fraud stacks absorb AI, the same no code design becomes even more valuable, because analysts will not just review alerts, they will supervise automated agents across monitoring, investigations, and filings.