XTN Cognitive Security's Cognitive Security Platform (CSP) is an omnichannel threat and fraud protection solution designed to defend digital businesses and minimize risks in digital financial services. The platform uses AI proprietary algorithms, behavioral biometrics, behavioral analysis, and machine learning techniques to provide comprehensive security while maintaining a seamless user experience. CSP offers real-time risk evaluation and automated fraud detection for various use cases including account takeover, payment fraud, and application fraud. It utilizes a modular approach, allowing businesses to activate specific functions needed to enhance their digital security across multiple channels, including online banking, e-commerce, and core banking systems. The platform's Smart Anti-fraud Shield (SMASH®) component recognizes users based on their usual behavior, providing enhanced protection against fraudulent activities.