Articles
Analysis and explainers on fraud loss, underwriting, and insured growth.
33 articles
After Synapse: Who Owns the Loss?
More than 100,000 people lost access to their money when Synapse collapsed. For sponsor banks the lesson reaches past ledgers: in BaaS, nobody knows who owns a loss until something breaks.
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Why Your Fraud Losses Don't Show Up in Charge-Offs
Most credit unions understate fraud loss because first-party fraud books as credit loss. Why the gap exists, how big it really is, and how to close it.
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Growing Digital Lending Without Growing Fraud Drag
The false-decline cost is usually larger than the fraud it prevents. How covering the residual tail changes the threshold calculation for lending teams.
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What Fraud Loss Insurance Actually Is
Fraud tooling scores risk; none of it carries the loss. What fraud loss insurance covers, how the structure works, and why the paper behind it matters.
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Turning a Volatile Write-Off Into a Fixed Premium
For a CFO the problem is variance, not magnitude. How risk transfer converts an unpriceable range into a budgeted line item — and the measurement prerequisite.
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The New Math of Fraud Prevention: The ROI of Risk Transfer
A worked example of the return on risk transfer: why insuring identity fraud losses can outperform spending more on prevention alone.
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The Risks and Rewards Conversation at Fintech Meetup
Identity fraud insurance wasn't on most people's radar at Fintech Meetup. Here's how that conversation changed once it was.
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Fraud as a Financial Risk, Not an Operational Failure
Identity fraud loss is a financial risk, not just operational. See how fraud loss risk transfer helps institutions manage capital and grow with confidence.
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The Missing Piece in Fraud Strategy: Why Prevention Alone Isn’t Enough
Fraud prevention can't stop every loss. Identity fraud loss insurance moves residual losses off your balance sheet and frees up capital.
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AI Lending Risk in Automated Credit Decisions
AI lending risk is rising as automated credit decisions scale. Learn how explainability, ECOA transparency, and governance affect compliance.
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Regulatory Capital Rules for Fraud Loss Insurance
How regulatory capital rules treat fraud loss insurance, and what it means for CECL provisioning and Tier-1 capital.
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Our Journey to Make Fraud Losses Insurable.
Fraud may be inevitable, but financial uncertainty isn’t. See how Instnt makes identity fraud loss insurance possible.
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Fraud as an Insurable Risk: A New Model for Capital-Efficient Growth
Instnt's identity fraud loss insurance makes fraud an insurable risk for financial institutions. Learn how.
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Identity Fraud in Digital Onboarding: The Growing Risk
Identity fraud in digital onboarding is growing. Where the risk concentrates, and what actually reduces it.
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Identity Fraud Loss Insurance: Freeing Up Tier-1 Capital
Fraud loss insurance shifts liability to insurers, easing Basel III reserves and freeing Tier-1 capital.
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Complete Guide to Insured Fraud Protection
A practical guide to insured fraud protection: what it covers, how claims work, and where it sits alongside prevention.
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Fraud Loss Insurance: Problem and Solution
Traditional policies leave fraud loss uncovered. Here is the gap, and how fraud loss insurance closes it.
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Why Identity Fraud Loss Insurance Matters In a World Where Fraud Is Inevitable
Fraud is inevitable; the loss does not have to be. Why identity fraud loss insurance matters now.
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PayPal formally applies for U.S. bank charter
PayPal has applied for a Utah bank charter to expand lending and offer FDIC-insured deposit products.
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Fraud Loss Insurance and Multi-Factor Authentication
How phishing-resistant MFA lowers account-takeover risk, and what that means for fraud loss cover and premiums.
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How Insurance Can Reduce Revenue Volatility in Lending
Fraud loss insurance acts as a safety net, allowing lenders to manage risk confidently and enhance cash flow.
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What is Identity Fraud Loss Insurance?
Discover how fraud loss insurance protects your business by covering identity fraud losses and shifting financial risk off your balance sheet.
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Why Policy Makers Must Act on Identity Fraud
Learn how Identity Fraud Insurance can protect institutions and consumers from the inevitable losses caused by fraud.
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Why Credit Unions Need Embedded Fraud Protection
Discover why credit unions need embedded fraud protection to stay competitive and safeguard members in 2025.
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Embedded Fraud Insurance: The Next Big Thing for Fintechs & Marketplaces
Explore Embedded Fraud Insurance: the next big thing for fintechs and marketplaces in securing digital transactions.
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AI Can Spot Fraud, But What About the Loss?
Explore how to combine the power of AI and fraud loss insurance to protect your business from evolving cyber threats.
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3 Common Challenges in Digital Onboarding
Explore digital onboarding challenges and learn how to create a seamless and inclusive onboarding experience for every customer.
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Reducing the Friction in Bank Customer Onboarding
Sunil Madhu and Jennifer Pitt on reducing friction in bank customer onboarding without widening fraud exposure.
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Outsmarting First-Party Fraud with a More Proactive Solution
Understand first party fraud and its impact on financial institutions and customers in the face of rising cyberattacks.
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Verified Digital Identities Will Revolutionize Consumer Lending
How verified digital identities reduce fraud and widen access in consumer lending.
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Why Credential Revocation Is Essential In Decentralized Identity
Explore why credential revocation is essential in decentralized identity for maintaining digital integrity and user control.
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Improving Fraud Detection and Identity Verification
Integrated risk management strengthens fraud detection for financial firms — improving protection, compliance, and operational resilience.
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“A New Way To KYC” – Instnt's CEO in ‘The Fintech Magazine’
A practical guide to help small businesses and startups improve customer acceptance through better onboarding and trust-focused tactics.
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