TransUnion TruValidate speeds bank onboarding 25% with sub-30ms fraud detection
About TransUnion TruValidate
TransUnion is one of the three largest global credit reporting agencies. For over 50 years, it has helped businesses and consumers establish trust in financial transactions by stewarding and analyzing identity data. Beyond credit reporting, TransUnion has expanded into fraud prevention, customer analytics, and marketing technology.
Its TruValidate solution—originally developed under Neustar prior to TransUnion’s acquisition—combines industry-leading identity data and machine learning to combat fraud in real time.
Delivering real-time identity without compromise
As more bank onboarding shifted online, banks needed to verify identities in real time without alienating legitimate customers. TransUnion had the identity data to help, but incorporating it into customer workflows added delays that could result in either missed fraud or user abandonment. Striking the right balance became urgent as customer expectations rose and fraud tactics evolved.
Slow account origination
Many users abandoned signup flows that took longer than 5 to 10 minutes. Verification steps often slowed down the process.
Real-time decisions
Latency from central servers averaged 150–200 ms—too high for seamless fraud decisioning.
Data security requirements
Moving proprietary data into customer environments introduced risks that demanded stringent controls.
Managing high growth
As transaction volumes and data grew, legacy systems became increasingly costly and difficult to scale.
Real-time data at the edge
To address these challenges, TransUnion deployed its fraud decisioning capabilities directly into bank environments using Aerospike Cloud-Managed Service (ACMS) on AWS. This setup delivered sub-30ms response times while maintaining centralized oversight for data synchronization, security, and auditing.
Local deployments inside banks
TruValidate instances run inside customer environments, keeping fraud checks close to the point of interaction.
Data sync with XDR
Aerospike's Cross-Datacenter Replication (XDR) kept local and central databases synchronized, without requiring system rearchitecture.
Aerospike Cloud-Managed Service (ACMS)
ACMS provided low-latency infrastructure with built-in monitoring, scaling, and operational support.
Fine-grained security and auditability
TransUnion enforced strict access controls, per-record encryption, and comprehensive audit logging.
Faster onboarding, stronger fraud prevention
With Aerospike, TransUnion significantly reduced latency, enhanced customer experience, and scaled operations—all while maintaining data security and compliance.
Fraud latency cut by over 80%
Response times dropped from 150–200 ms to 25–30 ms, enabling real-time fraud decisions.
Onboarding sped up 20–25%
Banks reported faster customer onboarding with reduced abandonment rates.
Scaled from 6 TB to nearly 1 PB
TransUnion expanded its data footprint without rearchitecting, while continuing to meet SLAs.
Cost-effective performance
Aerospike’s Hybrid Memory Architecture (HMA) enabled SSD-based performance at a lower cost than traditional in-memory databases.
Testimonials
Some of the biggest banks use our technology and they continue to be pretty blown away with our technology and the speed at which we do it. They say “you guys are fast, like really fast!"
Gaurav Bairaria
TransUnionSr. Director - Product EngineeringOur bank customers’ account origination times have improved 20 to 25%
Gaurav Bairaria
TransUnionSr. Director - Product EngineeringAdditional resources
For a deeper understanding and more insights, explore these additional resources.
Get started with Aerospike
For high-performance, scalable data management and ultra-low latency, ideal for handling massive datasets and real-time applications.
TransUnion TruValidate speeds bank onboarding 25% with sub-30ms fraud detection
About TransUnion TruValidate
TransUnion is one of the three largest global credit reporting agencies. For over 50 years, it has helped businesses and consumers establish trust in financial transactions by stewarding and analyzing identity data. Beyond credit reporting, TransUnion has expanded into fraud prevention, customer analytics, and marketing technology.
Its TruValidate solution—originally developed under Neustar prior to TransUnion’s acquisition—combines industry-leading identity data and machine learning to combat fraud in real time.
Delivering real-time identity without compromise
As more bank onboarding shifted online, banks needed to verify identities in real time without alienating legitimate customers. TransUnion had the identity data to help, but incorporating it into customer workflows added delays that could result in either missed fraud or user abandonment. Striking the right balance became urgent as customer expectations rose and fraud tactics evolved.
Slow account origination
Many users abandoned signup flows that took longer than 5 to 10 minutes. Verification steps often slowed down the process.
Real-time decisions
Latency from central servers averaged 150–200 ms—too high for seamless fraud decisioning.
Data security requirements
Moving proprietary data into customer environments introduced risks that demanded stringent controls.
Managing high growth
As transaction volumes and data grew, legacy systems became increasingly costly and difficult to scale.
Real-time data at the edge
To address these challenges, TransUnion deployed its fraud decisioning capabilities directly into bank environments using Aerospike Cloud-Managed Service (ACMS) on AWS. This setup delivered sub-30ms response times while maintaining centralized oversight for data synchronization, security, and auditing.
Local deployments inside banks
TruValidate instances run inside customer environments, keeping fraud checks close to the point of interaction.
Data sync with XDR
Aerospike's Cross-Datacenter Replication (XDR) kept local and central databases synchronized, without requiring system rearchitecture.
Aerospike Cloud-Managed Service (ACMS)
ACMS provided low-latency infrastructure with built-in monitoring, scaling, and operational support.
Fine-grained security and auditability
TransUnion enforced strict access controls, per-record encryption, and comprehensive audit logging.
Faster onboarding, stronger fraud prevention
With Aerospike, TransUnion significantly reduced latency, enhanced customer experience, and scaled operations—all while maintaining data security and compliance.
Fraud latency cut by over 80%
Response times dropped from 150–200 ms to 25–30 ms, enabling real-time fraud decisions.
Onboarding sped up 20–25%
Banks reported faster customer onboarding with reduced abandonment rates.
Scaled from 6 TB to nearly 1 PB
TransUnion expanded its data footprint without rearchitecting, while continuing to meet SLAs.
Cost-effective performance
Aerospike’s Hybrid Memory Architecture (HMA) enabled SSD-based performance at a lower cost than traditional in-memory databases.
Testimonials
Some of the biggest banks use our technology and they continue to be pretty blown away with our technology and the speed at which we do it. They say “you guys are fast, like really fast!"
Gaurav Bairaria
TransUnionSr. Director - Product EngineeringOur bank customers’ account origination times have improved 20 to 25%
Gaurav Bairaria
TransUnionSr. Director - Product EngineeringAdditional resources
For a deeper understanding and more insights, explore these additional resources.
Get started with Aerospike
For high-performance, scalable data management and ultra-low latency, ideal for handling massive datasets and real-time applications.