From proof of concept to production: CAMARA-based Network APIs deliver measurable results

Network APIs are no longer an industry promise waiting for production adoption. Across banking, lending and digital financial services, GSMA Open Gateway and CAMARA-aligned APIs are already being used to address concrete operational issues: account takeover, identity fraud, failed authentication and slow user journeys.

The message from recent GSMA customer studies is clear: network-originated signals can strengthen risk decisions while removing unnecessary friction for legitimate users. Results naturally vary by market, customer journey and implementation, but the published outcomes give product, fraud and technology teams practical benchmarks for building their own business cases.

A European digital lender cuts “false broker” fraud by 70%

For digital lenders, fraud prevention cannot come at the expense of fast credit decisions. One European digital lending case study shows how combining KYC Match with SIM Swap can address a specific and costly threat: fraudulent brokers using stolen personal data to apply for loans, then changing the victim’s SIM to intercept one-time passwords.

KYC Match helped validate whether the customer identity details matched mobile operator records, while SIM Swap added a timely risk signal indicating whether a phone number had recently moved to a new SIM. The lender used this information to block or route suspicious applications for additional review. The result: a reported 70% reduction in false-broker fraud.

The lesson is not that a single API eliminates fraud. It is that network signals can improve the quality of a fraud decision at the precise moment it matters: before credit is issued.

BRI Bank improves successful authentication by 20% versus SMS OTP

SMS OTP remains widely used, but it can create user friction and is exposed to delivery issues, delays and social-engineering attacks. BRI Bank in Indonesia used a network-based authentication approach to reduce reliance on codes that users need to receive and enter manually.

The published study reports a 20% increase in successful authentications compared with SMS OTP. It also reports that the average login time was cut by half. These are meaningful outcomes for a bank: fewer failed sessions can reduce support demand, protect conversion in digital journeys and improve customer confidence in the app.

This is the commercial case for Number Verification and silent authentication: shift authentication from a user task to a network-assisted verification step, while preserving the right controls for high-risk journeys.

Lydia Solutions reduces authentication latency by up to 50%

For financial applications, speed is not just a usability feature. Delays at login, registration or payment approval can lead to abandoned journeys, repeat attempts and unnecessary operational cost.

Lydia Solutions implemented Number Verification / Silent Authentication to simplify the authentication experience. According to the GSMA case study, the company achieved up to a 50% reduction in latency compared with its previous authentication mechanisms.

This result matters because it demonstrates a practical distinction between an API demo and an operational integration: the network capability was applied to an existing customer journey to make it faster. For product teams, that opens a clear evaluation path—measure authentication completion, elapsed time, fallback rate and support contacts before and after deployment.

A UK bank identifies up to £930k in potentially avoidable monthly losses

SIM-swap fraud is a persistent risk wherever a mobile number is used to receive authentication codes or recover an account. An attacker who takes control of the number may be able to intercept SMS-based verification and initiate account takeover.

In the GSMA’s UK banking scenario, SIM Swap was used at scale as a real-time signal within the fraud-management process. The published analysis estimated up to £930,000 in potentially avoidable losses in a single month. This is a scenario-based estimate rather than a universal outcome, but it illustrates the value of using a direct network event—recent SIM activity—as part of risk scoring for logins, profile changes, password resets and high-value transactions.

For fraud teams, the operational objective is straightforward: identify elevated risk early enough to trigger the right response, whether that is step-up authentication, manual review or transaction blocking.

The next step: turn network intelligence into business outcomes

These four examples show that CAMARA-based Network APIs are being used in production to solve measurable business problems. They are not a replacement for a fraud platform, identity strategy or customer-experience design. They are a new source of trusted, network-originated signals that can make those systems more effective.

The opportunity is now to identify the journeys where existing controls are weakest or most costly: onboarding, login, password reset, payment approval, credit application or account recovery. From there, organizations can test the relevant API against a defined KPI—fraud losses avoided, authentication success rate, journey completion, latency or support deflection.

CAMARA-based Network APIs provide a practical way to use mobile network intelligence where it creates the most value: reducing risk for the business, and friction for legitimate customers.