Use case

Mobile app fraud prevention

Reduce your exposure to mobile app fraud with runtime protection and threat monitoring.

Fraud teams can't stop what they can't trust. When attackers manipulate the mobile runtime, operate from rooted or jailbroken devices, or run fake app variants, backend controls see the result but miss what happened inside the session. Promon closes that gap with always-on in-app protection and trusted app-layer telemetry — stronger signals for high-risk journeys like login, account recovery, device binding, and funds movement.

Illustration of a smartphone with apps protected by a Promon shield
$534 billion
Estimated global fraud losses in 2026
7.7%
Avereage share of revenue lost to fraud

Fraud teams have data.

What they're missing is trust in the mobile session itself.

Mobile fraud doesn't begin or end at the transaction layer. Attackers target the app runtime and device environment - rooting, jailbreaking, emulators, hooking, overlays, repackaging - to manipulate trust before downstream controls respond. Backend rules and analytics still matter, but on their own they leave a critical question unanswered: was the app and device trustworthy at the moment the action happened? 

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    Threat monitoring

    Promon helps you close that gap with built-in, always-on, in-app protection and trusted app-layer threat monitoring. That means stronger signals in high-risk journeys, better context for fraud decisions, and more confidence that your mobile channel is operating as intended.

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    Protection at scale

    Promon technology protects apps relied on by billions of users every day. That scale matters when you need security that is proven, practical, and ready for real-world mobile risk.

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    Reduce exposure

    Promon reduces exposure in high-risk journeys such as:

    • Login

    • Account recovery

    • Device binding

    • Beneficiary setup

    • Payments

    And we do it without creating unnecessary friction for legitimate users. 

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challenge

Fraud teams have data.

What they're missing is trust in the mobile session itself.

Mobile fraud doesn't begin or end at the transaction layer. Attackers target the app runtime and device environment - rooting, jailbreaking, emulators, hooking, overlays, repackaging - to manipulate trust before downstream controls respond. Backend rules and analytics still matter, but on their own they leave a critical question unanswered: was the app and device trustworthy at the moment the action happened?

    • Backend fraud rules see suspicious transactions but miss what happened inside the app session
    • Rooted, jailbroken, and emulated devices slip past standard mobile signals
    • Fraud, SOC, and mobile teams work from disconnected signals, slowing response
    • Runtime hooking, overlays, keyloggers, and repackaged apps evade OS-level protections
    • Investigation drags on as teams piece together incomplete evidence from multiple systems
    • Weak runtime evidence increases pressure under DORA, PSD2/PSD3, and PCI DSS scrutiny
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    Hostile runtime environments

    Rooted, jailbroken, or emulated devices and runtime tampering let attackers manipulate the app from inside before any backend control sees the action.

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    Blind spots in fraud signals

    Mobile analytics and backend rules can't confirm whether the app instance and device environment were trustworthy at the moment a high-risk action occurred.

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    Disconnected investigation workflows

    Fraud, SOC, and mobile teams pull evidence from different tools, delaying triage and pushing intervention later in the fraud chain.

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on-demand webinar

On-demand webinar: Protection isn’t intelligence

Mobile threats are evolving, but most security strategies still focus only on blocking attacks. That creates a critical blind spot: organizations may stop threats without ever understanding them. Without visibility, there is no way to measure risk, identify patterns, or strengthen defenses.

In this webinar, we explore why protection without intelligence is no longer enough, and what teams can do about it. 

Speaker_Joan&Volker
Business outcomes

Fraud losses can be substantial

The stakes of failing to trust the mobile session include:

  • Direct fraud losses in login, account recovery, and funds movement
  • Higher chargeback rates and false-positive churn from legitimate customers
  • Reputational damage and erosion of customer trust in the mobile channel
  • Slower investigation and escalation as evidence is reconstructed across tools
  • Audit and regulatory pressure under DORA, PSD2/PSD3, GDPR, and PCI DSS
    • GDPR — fines up to €20 million or 4% of global annual turnover for serious data-handling failures
    • PCI DSS — penalties of $5,000–$100,000 per month from card brands for sustained non-compliance
    • DORA — supervisory enforcement and reporting obligations for financial entities failing ICT risk and incident requirements
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Cut mobile fraud exposure faster with protection that works out of the box.

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    Always-on in-app protection

    Defend against rooting, jailbreaking, hooking, overlays, and repackaging inside the live mobile session.

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    Trusted runtime telemetry

    Convert runtime detections into structured signals that strengthen fraud scoring and investigations

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    Frictionless, post-compile rollout

    Deploy in days without code changes - no visible friction for legitimate users.

Solution

Address mobile fraud risk across every step of the customer journey

From protection to transaction - turn in-app protection into fraud intelligence the whole organisation can use

Promon brings together prevention and intelligence for a more complete mobile fraud defense.

Together, these capabilities support a stronger fraud posture:

  • protect the app at runtime
  • harden high-risk mobile journeys
  • detect hostile environments earlier
  • route trusted signals into fraud, SOC, and compliance workflows

That is the differentiator for this use case: prevention plus intelligence, built into the app itself.

App Enrolment - Banking App or Wallet

App integrity verification can detect repackaged or tampered binaries before enrolment proceeds. Root / jailbreak detection can block enrolment on compromised devices. Certificate and signature validation confirm the app binary is the genuine published version
Get built-in, always-on protection

Payee Verification

Overlay / tapjacking detection would identify malicious apps rendering UI above the payment screen. Accessibility service abuse detection could flag unauthorised use of accessibility APIs. Screenshot and screen-recording prevention can protect sensitive payee data from exfiltration.
Go beyond protection to proof

Strong Customer Authentication (SCA)

Anti-hooking and anti-debugging would prevent runtime manipulation of authentication logic. Keylogger and input-capture detection could protect PIN / password entry fields. Biometric API integrity check ensure biometric authentication calls are genuine and unmodified. OTP and token protection can prevent interception of one-time passwords via SMS or authenticator. [Trusted execution environment signals can attest the device security posture to the authentication server.
Get actionable intelligence

Transaction Monitoring

Tamper-proof device integrity signals validate root status, emulator, app integrity, OS version. Runtime behavioural telemetry can detect session anomalies, hooking attempts, environmental risk indicators. SIEM / SOAR integration allows loading of verified security events into existing fraud monitoring platforms. Always-on monitoring could ensure continuous signals throughout the session, not just at login.
Preserve your competitive edge

Fraud Detection, Response & Audit

Real-time denial actions enabling to block, step-up, or terminate sessions on confirmed threat signals. Allows incident reconstruction via the replay of ordered security event sequences to understand fraud chains. Tamper-proof audit trail is ensured with cryptographically verifiable logs of app security events. Regulatory mapping of audit events mapped to PSD2, DORA, PCI DSS, GDPR control requirements. Fraud ops integration by exporting structured evidence to SIEM, case management, and compliance reporting tools
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Product

Your complete fraud reduction toolkit

Promon helps organizations to detect and reduce fraud through our platform, industry-focused solutions, and product suites.
  • About Promon shield

    Promon Shield for Mobile™

    Deploy fast with confidence
    Embed always-on runtime protection
    Mitigate regulatory-specified risks

    Get built-in, always-on protection
  • Promon-Data-Protect

    Promon Data Protect™

    Encrypt sensitive data
    Prevent unauthorized access
    Maintain data integrity throughout the application lifecycle

    Safeguard your secrets
  • Promon Code Protect

    Promon Code Protect™

    Protect intellectual property and software supply chains
    Prevent reverse engineering and tampering
    Deter AI-enhanced deobfuscation attempts

    Preserve your competitive edge
  • Promon-Shield-for-Desktop

    Promon Shield for SDKs™

    Safeguard intellectual property
    Protect third-party components and business logic
    Safely deploy cutting edge authentication technology

    Protect your digital footprint everywhere
  • Promon Shield Verify

    Promon Verify™

    Protect business logic from abuse
    Ensure authorized access to critical services
    Prevent spoofing and tampering

    Ensure continuous trust
  • Promon_Insight_for_App_Visibility

    Promon Insight for App Visibility™

    Validate runtime protection and device integrity
    Establish a baseline for your real-world environment
    Track inventory, trends, and security postures

    Go beyond protection to proof
  • Promon_Insight_for_App_Security

    Promon Insight for App Security™

    Generate audit trails required by multiple regulations
    Identify compliance gaps and security incidents
    Streamline regulatory reporting processes

    Get actionable intelligence
Social Proof & Verification

Why is Promon trusted by banks, fintechs, and global leaders?

Promon’s positioning is built around proven in-app protection, trusted mobile security expertise, and support for high-stakes digital services.

Built-in, always-on, in-app protection, protection without user friction, trusted by banks, fintechs, and global leaders.

Promon solutions provide:

  • protection embedded directly into the app
  • runtime detections that support investigation and escalation
  • security that supports fraud reduction without forcing visible disruption on legitimate users
  • scale proven in real-world deployments and trust securing billions of transactions every day

 

Find out How a government agency improved citizen data protection

Learn more about How a major fast-food chain secured its customer loyalty app

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From protection to intelligence

The frictionless factor

Fraud teams do not need another heavyweight project. They need stronger trust signals that fit the way mobile delivery already works.

Quick deployment, alignment with existing development processes, and security that fits into the mobile release cycle without derailing delivery timelines.

Fraud exposure is rarely isolated to one team. Effective rollout depends on coordination across fraud, security, compliance, and mobile engineering. The intake identifies the right prerequisites: access to the mobile codebase or build pipeline, clear ownership of high-risk journeys, and agreement on how runtime trust signals should drive escalation.

This is where Promon’s frictionless, post-compile deployment becomes effective. Teams can start with runtime protection and visibility, strengthen the security posture around the most exposed user journeys and business logic flows, and fine-tune their security operating model over time. Promon supports a stronger mobile security posture without requiring a rip-and-replace approach or a visibly degraded customer experience.

Promon leaves you free to develop, while we protect your teams and customers.

 

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Turn mobile app protection into fraud intelligence for your industry

Do you face mobile-fraud pressure? Promon helps organizations evolve beyond blocking threats in the app runtime by making protection measurable and operational. Runtime signals such as rooting, jailbreaks, emulators, hooking, debugging, code injection, and tampering can be converted into actionable intelligence for fraud teams, SOC teams, SIEM workflows, forensic investigations, and executive reporting.

Banking & finance

Reduce account takeover exposure, strengthen transaction risk controls, and give fraud and SOC teams mobile runtime context that backend systems can’t see on their own. Use device integrity and runtime threat signals to prioritize suspicious sessions and accelerate investigations.

 

Relevant fraud risks: Account takeover, authorized push payment scams, synthetic identity fraud, mobile payment fraud, device compromise, hooking and runtime manipulation.

 

Industry benefits: Earlier detection of high-risk sessions, stronger fraud scoring, faster investigation, fewer false positives, and clearer executive reporting on mobile risk.

Learn more about Promon solutions for Banking

Payments

Protect payment flows against compromised devices and malicious runtime environments while enriching fraud ecosystems with mobile app telemetry. Runtime intelligence helps detect when payment activity is occurring from rooted, jailbroken, emulated, or manipulated environments.

 

Relevant fraud risks: Mobile payment fraud, transaction manipulation, emulator abuse, code injection, debugging frameworks, overlay and hooking attacks.

 

Industry benefits: Higher confidence in payment risk decisions, faster threat response, stronger evidence of man-in-the-middle (MitM) attacks, and reduced exposure in real-time payment processing.

Learn more about Promon solutions for Payments

Retail & e-commerce

Identify hidden mobile signals behind card-not-present fraud, promo abuse, loyalty abuse, and account takeover. Mobile telemetry can help distinguish genuine customers from automated, emulated, or manipulated app activity.

 

Relevant fraud risks: Card-not-present fraud, account abuse, account takeover, promo and loyalty abuse, bot and emulator activity.

 

Industry benefits: Improved fraud triage, better bot and emulator detection, reduced abuse of promotions and loyalty programs, and more resilient mobile commerce journeys.

Learn more about Promon solutions for Healthcare

Gaming

Detect and act on runtime signals associated with cheating tools, fake accounts, bot farms, and in-app purchase abuse. Visibility into emulators, tampering, hooking, and repackaging helps protect game integrity, fair play, and monetization.

 

Relevant fraud risks: Bot abuse, emulator farms, account takeover, fake accounts, in-app purchase fraud, cheating tools, app tampering and repackaging.

 

Industry benefits: Reduced unfair play and revenue leakage, stronger account protection, faster response to abuse campaigns, and better evidence for enforcement workflows.

Learn more about Promon solutions for Gaming

Streaming & media

Protect digital subscriptions and content access by detecting compromised or automated mobile environments. Runtime signals can help address credential sharing, account resale, scraping, and subscription theft without adding unnecessary friction for legitimate users.

 

Relevant fraud risks: Credential abuse, account resale, subscription theft, bot and scraping abuse, app tampering, emulator activity.

 

Industry benefits: Reduced subscription leakage, improved account integrity, better detection of automated abuse, and actionable intelligence for trust and safety workflows.

Learn more about Promon solutions for Streaming and media

FAQ

Quick answers about reducing fraud risk with Promon

How does Promon stop fraud committed from rooted or jailbroken devices?

Promon Shield for Mobile detects rooted, jailbroken, and emulated environments at runtime and can block app execution or feed the signal to your fraud engine. That gives your team a trustworthy answer to a question backend rules can't decide: was the device safe when the action happened?

Do we need to change our app's code to deploy Promon Shield?

No. Promon Shield uses a post-compile, no-code deployment model. You add protection to your existing build without modifying app source code, which means security and mobile teams can roll out faster and without disrupting release cycles.

  

How does Promon Shield integrate with our existing fraud and SOC tooling?

Promon Insight for App Security delivers structured, tamper-proof telemetry that routes directly into fraud platforms, SOC tooling, and SIEMs. Runtime signals like rooting, hooking, and overlays become operational evidence for triage, investigation, and executive reporting.

Will Promon Shield for Mobile add friction for legitimate users?

No. Protection runs silently in the background. Legitimate users experience the app as normal, while attacker actions and compromised environments are detected and surfaced to your fraud and security teams.

How quickly can we roll out Promon protection across our mobile apps?

Most teams deploy in days, not quarters. Because there are no code changes, mobile engineering and security can layer Promon in alongside the existing release cycle and expand coverage to additional apps and journeys over time.

Can Promon help with DORA, PSD2, PCI DSS, and GDPR compliance?

Promon doesn't make an organisation compliant on its own. It does provide controls and audit-ready evidence — runtime protection, tamper-proof telemetry, app integrity — that support obligations under DORA, PSD2/PSD3, PCI DSS, and GDPR in mobile channels.

Book a mobile app fraud exposure review

See where your highest-risk mobile journeys are exposed, where hostile app environments are weakening trust, and how built-in app protection plus trusted threat monitoring can support better fraud decisions.