Alloy

“Without Alloy, we would need 6 people to process the same volume of credit applications that 1 person handles today.”

“Not only does Alloy help us make more informed decisions, it's also faster. Our partnership with Alloy has ensured that our time is spent actually running our business instead of triaging issues, and you can't understate the value of that.”

“Alloy connects us to more data sources, which helps us increase the speed at which we’re able to give applicants a decision.”

“We're completely future-proofed, even in times of heightened fraud threats.”

“Alloy’s automation capabilities drastically increase our scalability.”

“Alloy's AI-powered Fraud Attack Radar enables us to act quickly before any loss is incurred.”

“With Alloy, we catch fraud before it comes through the door.”

“Alloy's ability to connect to hundreds of data sources allows us to…create the positive Member experience we strive to deliver while minimizing risk.”

“Whenever we're looking to update our KYC, KYB, or fraud checks, the first thing that we do is reach out to Alloy.”

“Alloy's AI Assistant saves me a significant amount of time and gives me the confidence to quickly review and close watchlist alerts based on the insights it provides.”

“We've seen almost a 3x increase in automation thanks to Alloy's best practices and expert guidance.”

“Our old process had a 2-5 day decision time on applications. With Alloy, everything is instant.”

“I am used to 4-week review cycles, whereas we were able to make a change within Alloy in just 15 minutes.”

“We're able to shift our focus toward growth because we don’t have to spend so many resources on fraud.”

“Alloy has ensured that our time is spent actually running our business instead of triaging issues.”

“I can trust Alloy to do a job that I can absolutely not make a mistake on.”

“Alloy is orchestrating all of the identity, device, and fraud signals in real time, which allows us to approve more good members automatically and intervene only when there is real risk.”

“Alloy gave us stronger authentication and the ability to make decisions in real-time, which helps reduce fraud loss. We saw a significant decrease in fraud loss per member. Enriching member logins with device intelligence helped us identify suspicious actors earlier and reduce account takeover activity before it progressed.””

“In October 2024, during Hurricane Milton, we saw a spike in account takeover attempts while our members were dealing with the disruption. Alloy helped us spot the pattern quickly, and we tightened our checks right away. We prevented losses and kept our digital channels available so that members could focus on taking care of their personal needs from the storm.”

“Alloy gives us visibility and control we simply didn't have before. Instead of fragmented signals and siloed decisions, we get a unified view of an entity's risk profile that unlocks faster decision-making, better collaboration across teams, and the ability to test and optimize without disrupting the member's experience.”

“We found ourselves held back from offering critical capabilities like real-time payments. It seemed to always come down to fraud; once a real-time payment goes out, it's very hard to pull it back. If an account gets taken over or a member gets tricked into sending money, we may not have time to catch it before the funds are gone. We wanted stronger checks and clearer playbooks in place before we offered something that moves that fast. Alloy helps us feel more confident about who's making the request, so we can move ahead on higher-risk features without inviting more fraud.”

“Alloy plays a big role in helping us say ‘yes’ to growth, without compromising our member-first culture. A great member experience today is fast, intuitive, and largely invisible for members. From a risk perspective, members can open accounts digitally with minimal friction while behind the scenes, Alloy is orchestrating all of the identity, device, and fraud signals in real time, which allows us to approve more good members automatically and intervene only when there is real risk.”

“We’ve seen a tremendous return on our investment in Clutch and Alloy. In addition to the improvements in growth and user experience, we’re seeing major improvements in funding rates for new accounts. By connecting systems across the credit union, members can now open new financial products with Skyla in as little as 30 seconds – and that ease has significantly increased the number of products members choose to take advantage of.”

“In late May, we went viral after a TikTok influencer said we help with credit repair. Applications skyrocketed over Memorial Day weekend and didn't slow down until August. If we didn't have Alloy, we'd still be working through that surge manually months later. We would have completely missed the opportunity to welcome those new members because we simply would not have been able to approve them fast enough.”

“I can trust Alloy to do a job that I can absolutely not make a mistake on. They do all the heavy lifting, which frees up my time to focus on other business challenges. Through better risk processes, we’ve been able to take on more customers and figure out ways to give our existing customers better service.”