Risk Overview
Transaction risk across the last 24 hours of simulated activity.
Transactions analysed
128,429
+4.1% vs prior period
Flagged
1,284
1.00% of volume
High risk
394
0.31% of volume
Under investigation
82
14 assigned to you
Transaction volume and flag rate24 hours
Score distributionflagged only
Decision: approve127,145
Decision: review890
Decision: block394
Median decision time38 ms
Transaction Explorer
Every scored transaction, filterable by risk band and decision. Select a row to open it in Investigation.
Band
| Transaction | Customer | Amount | Channel | Country | Risk score | Decision | Time |
|---|
Investigation
Full signal context for the selected transaction.
Signal contributionsHigh risk
94
/ 100
Review
Transactionsynthetic
Connected entitiesgraph
Linked accounts7
Shared devices3
Shared IP addresses2
Cluster transactions14
Cluster exposureKES 2.8M
Network
Entities connected to the selected transaction, resolved through shared devices, addresses and recipients.
Entity graphsynthetic cluster
Cluster summarydemonstration
Cluster identifierclu_219
First linked14 d ago
Accounts7
Devices3
IP addresses2
Transactions14
ExposureKES 2.8M
Three accounts across two devices settle to recipient 219. No individual transaction exceeds its own account's historical range, so transaction-level scoring alone would not surface this cluster.
Rules
Institution-defined policies that combine with model scores in PennyPay Decision. Rules never silently override a model score — both are recorded on the decision.
Active policies7 rules · 24h hits
Block critical scores
risk_score ≥ 0.95 → block
394
Review new device, high value
new_device AND amount > 100,000 KES → review
612
Review cluster-linked recipients
recipient.cluster_risk = high → review
147
Velocity threshold
txn_count_1h > 8 → review
203
Cross-border first transfer
first_cross_border AND amount > 50,000 KES → review
88
Trusted merchant allowlist
merchant_id IN allowlist → approve
2,041
Dormant account reactivation
days_since_last_txn > 180 → review
31