AI-driven customer protection platform
EBO Guard
With trigger-driven intelligence, EBO Guard acts before risk arises, turning fraud signals into immediate action.
Trusted by the finest
Right place. Right time. Right outcome.
EBO Guard is the first AI-driven Virtual Agent that steps in at the exact moment a customer is at risk. It detects threats, triggers real-time intervention, and guides your customers. The solution protects individuals across their entire customer journey through two powerful layers.
The result → Operationalising customer protection at the moment of risk
The Problem
Scams are evolving fast and banks are losing control at the most critical moment: when the customer decides to pay. Fraud has changed but traditional protection hasn't kept up.
Scams Win at the Moment of Decision
Authorised payment fraud (APP scams) is now one of the fastest-growing threats. Customers are no longer hacked; they are manipulated.
One-Size-Fits-All Scam Education Falls Short
Traditional mass-education methods, such as billboards, bus wraps, and general adverts, treat all customers the same. But people differ in age, literacy, and experience, and broad messaging cannot equip them to recognise or respond to scams.
Detection Doesn’t Stop Behaviour
Fraud systems flag risk, but customers still proceed, alerts alone don’t change fast, emotional decisions.
Banks Can’t Prove They Intervened
With the Third Payment Services Directive (PSD3) and rising liability, banks must show “reasonable steps”, yet most lack structured, auditable intervention.
One platform. Real-time protection. Audit-ready intelligence.
The Solution
EBO Guard is the first AI-driven Virtual Agent that operationalises customer protection at the precise moment of risk.
Activating only at bank-defined trigger points, it operates within the bank’s risk policies while managing the customer conversation in real time.
By consolidating fragmented protection efforts, it strengthens regulatory confidence with audit-ready evidence of proactive interventions and provides dashboards for reporting and behavioural insights. All of this comes with low integration risk and fast deployment, under 12 weeks.
EBO Guard performs in two powerful ways
Layer 1 - Customer Education
Powered by GenAI, EBO Guard moves beyond mass awareness campaigns like billboards and adverts to deliver personalised, guidance tailored to each customer’s age, literacy and experience. EBO Guard’s Virtual Agent converses with customers and teaches them how to spot scams before making a payment.
Layer 2 - Intervention
Instead of passive warnings, customers receive personalised, contextual guidance at the right moment within their payment journey. EBO Guard steps in during the payment process to pause, verify, and guide safer decisions in real time. Customers can also upload screenshots, which are analysed to identify risks.
How It Works
*EBO Guard sits on top of your existing fraud monitoring systems, activating over-and-above them to deliver precise, real-time interventions whenever a risk signal is triggered.
Built for Impact
~0
days to go LIVE with minimal back-office integration
0+
languages supported by EBO's Virtual Agents
0
months for the VA to learn, adapt, and achieve full performance
Key Highlights
EBO Guard:
• Detects threats
• Triggers real-time intervention
• Produces audit-ready compliance reporting
• Manages the customer conversation at the moment of risk
• Delivers personalised scam education journeys
Instant, two-way conversations that guide customers in real time.
Core Capabilities
Hyper-Personalisation
EBO Guard leverages advanced user profiling informed by behavioural science to understand each customer’s unique habits, risk perception, and decision-making style. Combined with Generative AI, it delivers personalised education and guidance that adapts to age, literacy, experience, and transactional context.
This hyper-personalisation ensures customers receive advice that resonates with them individually, helping them recognise scams before they act.
2-way Natural Automated Communication
EBO Guard enables two-way, natural conversations with customers; multilingual, context-aware, and powered by real-time data and sentiment analysis. Using guard-railed Generative AI, it recognises when a customer may need support and steps in at the right moment.
Customers can even upload screenshots of conversations, such as suspected scams or suspicious messages, which are analysed to identify risks and guide them safely.
You make the rules, EBO Guard manages the conversation
Turn customer data into real-time Insight
With EBO Guard’s Executive BI Dashboard, you can gain insight into your customers’ user behaviour, track trends and performance, monitor scam stop rates, visualise risk through heatmaps, and uncover patterns with clear, actionable reporting.
Omni-channel communication
Providing a seamless, omnichannel customer engagement experience is critical for banks and PSPs.
EBO Guard ensures customers are reached wherever they interact with the bank, whether through in-app prompts, SMS, email, voice, or social platforms.
By delivering guidance and warnings consistently and in real time across all channels, it makes customer protection both effective and convenient.
Seamless Integration
EBO Guard integrates smoothly with existing fraud detection systems without requiring model changes or access to sensitive customer data. Lightweight APIs and outbound integration make deployment fast and low-risk, allowing banks and PSPs to scale protection without operational disruption.
Security & privacy at every touchpoint
EBO Guard is designed to protect customer data at every interaction. Handling extensive, contextual conversations generates large volumes of data, all of which is managed in full compliance with GDPR and industry regulations.
The platform follows a privacy by design and privacy by default approach, supported by a secure, robust infrastructure. Sensitive information is protected through data obfuscation and strict access controls, ensuring that Virtual Agent chats remain safe, confidential, and fully compliant.
Evidence & Audit
Every intervention is tracked in detail, capturing what was shown, when, and how the customer responded. This creates a robust, audit-ready record to satisfy regulatory requirements, demonstrate “reasonable steps,” and strengthen the bank’s risk management framework.
Ready to elevate customer protection?
Move from fraud detection to fraud prevention. Protect your customers at the moment that matters most.