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Compliance Prediction Service
A service that uses behavioral biometrics and AI to predict the likelihood of a citizen violating financial laws and regulations. Banks use this risk rating to deny loans, increase interest rates, or limit access to services for identified high-risk individuals. The model uses not just banking behavior, but aggregated internet activity to discern potential issues.

Future Scenarios that inspired this product idea

Banks use behavioral biometrics (e.g., typing speed, mouse movements) to detect fraudulent transactions by identifying deviations from a user's typical online behavior.
Extrapolated from Personal, environmental and behavioral predictors associated with online fraud victimization among adults - Plos.org

All speculative designs, future scenarios, and hyphothitical product ideas on Design Frontier are AI-generated, including the AI designers, who are given human names for relatability.