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White Paper / Strategy Paper:
Fraud Detection for Banks

Our strategy paper (in German, only)
"Fraud Detection for Banks
and Financial Services"
(as of 08/2026)

Request your copy now!

White Paper "Detecting Loan Application Fraud":
Our strategy paper for banks and financial services


Why loan application fraud is a growing risk for financial institutions in Germany and the DACH region — and what you can do about it


Loan application fraud is becoming one of the greatest challenges for direct banks, savings banks, cooperative banks and leasing companies. Alongside conventional forgeries such as manipulated payslips or altered bank statements, professionally organised fraud schemes and AI-assisted document manipulation are becoming increasingly common. But what can financial institutions do to counter this development over the long term while remaining compliant with data protection requirements and focused on efficiency?
 

A holistic approach to fraud detection


Across approximately 50 pages, our white paper combines well-researched information with exclusive insights from fraud detection and document forensics software. It explains why modern fraud detection requires more than isolated checks or purely rule-based methods.

Instead, a multi-perspective approach is needed: one that analyses documents in context, identifies suspicious patterns at an early stage and can still process enormous volumes of documents at high speed.

What you will find in the white paper
 

  • The most important types of fraud involving consumer loans, mortgages, leasing and vehicle financing
  • Facts and figures on developments in German-speaking countries
  • An overview of the opportunities and risks associated with existing approaches
  • Practical insights into modern, multi-perspective document forensics with ICO-LUX
  • Exclusive insights into the verification of payslips, bank statements and other document types



     

Document forensics as a strategic advantage


The white paper explains how fraud can be detected quickly and in time using computer vision, machine learning and rule-based methods — in compliance with data protection requirements and EU law, without surrendering decision-making authority to a black-box AI, while using modern software as an effective source of indicators.
 

Who this strategy paper is for


The content is aimed at fraud managers, compliance officers and professionals responsible for back-office processes at banks, financial services providers, savings banks, cooperative banks and leasing banks in Germany and the DACH region who want to modernise their fraud detection processes and prevent potential credit losses at an early stage.

Submit the completed form and, after reviewing your request, we will send you the more than 50-page document — either digitally as a PDF or as a high-quality printed copy.

If your request is aiming at an international use case, feel free to apply for the paper, too, in order to get insights into our work. Please feel free to contact us about international use cases via e-mail at any time.

 

Request white paper