top of page


Alternative Solutions - One could use Urchin Tracker and other Google web analytics to assess user behavior, but this won't provide real-time behavioral monitoring. Device Identification and Hot/Warm Lists can be used to identify past users that have displayed bad behavior in the past, but there is no true alternative to Behavioral Monitoring

Building this In-House - Most online businesses already monitor site behavior to some extent with Urchin trackers to see which pages users are visiting and where they are coming from. This could be built out into a low-cost, low-end form of Behavioral Monitoring, but the value of a software or service provider is that behavior is reported in (near) real-time so it can be identified and acted upon immediately. The provider may also provide an interface and ability to build rules and containers around users currently displaying bad behavior.


The Confidence Indicator technique is designed to measure a level of trust or confidence in a response to a given question relying on behavioral analysis and cognitive science. Potentially within an existing application process, consumers will be presented questions that (by design) may invoke an emotional response, which can be detected in fine motor movements and how the consumer responds to the question. This information is interpreted based on extensive neuro-cognitive research to provide an indication of how confident an organization can be in whether responses to these questions were truthful or deceptive. Examples of pertinent or risk-relevant questions include asking credit applicants if they recently lost employment or expect to lose employment in the next few months, and asking whether all the information submitted for an auto insurance claim was truthful and accurate.

Key considerations when implementing or buying this functionality include:

  • Do you already have an application process or questionnaire where additional questions could be added? Examples include credit card and loan applications, new account applications, as well as when consumers are submitting disputes or claims (such as insurance claims, chargebacks and returns).

  • How will you make use of any confidence indication score or results in your rules or risk modeling engine? Do you plan to make it available for use with agent reviews or claim investigations?

  • Think about what types of questions you may already be asking or should be asking that are pertinent to understanding the risk of your applicant or customer and ensure these can be supported by the Confidence Indicator vendor. There may be additional costs associated with creating and testing custom questions.

  • Is this is a technique your organization should leverage for all or only high risk applications, claims or consumers?


There are two primary components to how Confidence Indicator services work: the underlying science and research, and the technology to measure and analyze fine motor movement and behavioral nuances. The technology for measuring and detecting the fine motor movements and other activity related to how someone uses or navigates a web page on a computer or mobile device is very similar to what behavioral biometric and behavioral analytic providers are doing. Looking at how someone holds a mobile device, their pressure and speed on the touch screen, their speed and movement of a mouse – these are all things both types of vendors may look at or measure. Whereas behavioral biometric and monitoring vendors are looking to identify return users based on these physical and fine motor movement measurements, Confidence Indicator vendors are able to detect stress and other signals of potential deceit in response to specific stimuli (such as carefully crafted questions that provide insight about certain risks).

The Confidence Indicator approach relies on significant scientific research and experiments measuring the relationship between neurological states and how such changes influence fine motor movements and other indications of distress or emotional states that are captured via a computer or mobile device. Within a questionnaire or application process the consumer must be asked baseline questions that would not trigger any emotional response; then, when presented a question that may produce a neurological change, there will be measurable behavioral indications. Based on years of research and controlled experiments, fine motor movement and other behavioral signals indicative of different neurological responses have been identified, and when applied to a variety of contexts and questions, can show whether or not an organization can be confident in the legitimacy of an end user’s response.

In addition to understanding how this technique works it is important to understand how Confidence Indicators as a risk management technique are applied or are actually used. 

There has to be a baseline behavioral biometric measurement, some emotional stimuli, and post-stimuli behavioral biometric measurements for comparison. This stimuli and baseline are typically in the form of questions asked directly to the end user, and the design of these questions is critical in the overall value these services will provide. Confidence Indicator vendors should have pre-set questions for certain industries and applications, and may be able to support custom applications and collaboratively design new questions pertinent to an organization’s specific types of risk. There may be an iterative tuning process to develop the strongest set of baseline and risk relevant questions.

Confidence Indicator services are most commonly utilized by organizations that offer credit issuance or any type of loan application (personal, automobile, mortgage) as well as in the insurance industry to validate policyholder claims. In one context these services can be used to assess the credit or default risk of a new loan or credit applicant, and in the other, Confidence Indicator services can assess the fraud risk associated with an auto or property insurance claim (to flag false or inflated claims). In both applications this is accomplished by presenting specific and carefully crafted questions that provide insight and information relevant to the application or claim, as well as an indication of how confident we can be that the information provided is genuine. The questions themselves are varied and diverse, contingent on the organization and their industry. These questions can inquire about all types of information, but a major source of value is being able to ask questions about the future or future expectations, or information that otherwise cannot be validated or confirmed. Confidence Indicator services can provide a unique level of foresight and indication of truthfulness or deceit regarding many types of information that previously could not be confirmed.


Results from Confidence Indicator providers can be provided in one of multiple ways to include an overall confidence indicator score for a full application or questionnaire, a confidence indicator score for each risk-relevant question, or providing detailed user results that would be used in manual review or claim investigations. When provided as a confidence indicator score, either at the full application or individual question level, this is easily used as an input within a rules engine or risk modeling platform. Applicants or claims that flag certain questions or have an application score above a certain threshold can be held for additional screening.

Providers may offer additional, more detailed signals that can be helpful in performing credit risk reviews or claim investigations. This can include detailed messages or indicators on what type of behavior a user displayed (such as answer switching) or even show full playbacks of how that person went through and completed the questionnaire or application.


Confidence Indicator services may also be referred to as risk confidence indicators, suspicion indicator services or a confidence score.

Confidence Indicator services have a variety of applications and industry use cases but today are most well-known and utilized for credit risk management and insurance fraud risk management. Because these services provide a level of confidence in how indecisive someone is when responding to a question, the approach can fit a number of different use cases, forms and applications. This is particularly useful in areas such as credit risk assessment, where there are lots of ways to assess risk based off of someone’s past (credit history, etc.), but Confidence Indicator services can uncover risks associated with the applicants future, such as asking if there is any expectation of loss of income in the near future.

Confidence Indicator services can provide value by helping organizations detect and recognize risk with information that previously was unattainable. This aids in detecting and preventing cases of higher default or fraud risk, but also in making automated screening and operational processes more efficient. One such use case is the auto and property insurance industries, where detecting which claims may be fraudulent or inflated to determine which require an agent investigation is a very difficult task. Questions designed to ask about claim amounts and the legitimacy of policyholder’s claim can help better recognize which claims may require agent inspection and which can be let through.

For credit applications or insurance claims that then require agent review or investigation, detailed information from the Confidence Indicator service can be helpful for the agent. This can include detail on what questions showed signs of potential deceit, what specific signals or behavioral changes they displayed, and potentially even a replay of how the application or form was completed.

Providing these insights supported by behavioral biometrics, data analytics and neuro-cognitive research, Confidence Indicator services are considered a type of Prescriptive Analytics, which are a form of advanced data analytics focused on determining a decision or what should be done. Using the Confidence Indicator technique with forward-looking and other risk relevant questions adds a new dimension to Prescriptive Analytics, providing organization-specific information previously not attainable in the Customer Not Present channel, which make analytics and decision-making stronger.


Neuro-ID’s NOW Data™ is the first of its kind to provide brands with rich, unique and abundant behavioral data directly from their customers in real-time. Neuro-ID leverages patented software to monitor, analyze and score human-computer interactions in real time in order to enhance a user experience as it happens. Neuro-ID collects and measures various behavioral indicators of confidence, indecision, state-of-mind, intention and emotion. Neuro-ID calculates and delivers actionable Neuro Confidence Scores using proprietary models, which are customized to dramatically improve strategies and performance for CX, marketing, fraud and risk.


Alternative Solutions - There are no true alternative solutions that consider and interpret cognitive signals, but Behavioral Monitoring is the most comparable in terms of technology. There are many Credit Risk Scoring and other services for credit risk, but these rely on past credit and purchase histories.

Building this In-House - Considering both the technology and scientific knowledge required to collect and interpret the required data, it is not practical to build or replicate Confidence Indicator services as a technique in-house.

The Cost - Typically this service is offered on a per application or Confidence Indicator screening basis, with tiered pricing based on volume.

Sample VendorsNeuro-ID

bottom of page