Ethoca vs Ojuri

Ethoca provides collaboration-based intelligence and technology for fraud prevention, dispute reduction, and customer experience. Ethoca Alerts sends issuer fraud and dispute information to merchants in near real time, allowing them to stop fulfillment or issue refunds; merchants can use a secure portal or API. If an alert is not actioned, the issuing bank may process a chargeback. Consumer Clarity displays recognizable merchant information and digital receipts to cardholders in banking apps and to issuer staff, including names, logos, itemized receipts, and contact details. A single API supports purchase recognition and digital-experience capabilities. Smart Subscriptions lets consumers view and manage subscriptions through digital banking channels. Ethoca identifies merchants, issuers, and payment, fraud, or fintech providers as participants. It describes role-based access, governance oversight, privacy controls, and a ringfencing framework for brand-agnostic participation. The service supports Android, iOS, web, and API access. Pricing is on request.

Ojuri is a self-hosted fraud detection engine for fintechs, payment gateways, and mobile-money platforms. It scores transactions and returns accept, review, or decline decisions, with applications able to call its POST /v1/predict API. The Real-Time Detection Agent scores payments on the authorization path using an XGBoost model served through ONNX Runtime. A Pattern Analysis Agent follows account, device, and payee relationships over time to identify fraud rings and mule networks. Decisions record reason codes and the data considered by the model in an audit log. Sentinel provides a review queue, decision stream, model registry, and analyst overrides that can become training data. Other agents monitor drift, retrain on verified labels, and check evaluations before model promotion. An optional investigation agent creates reports for declined transactions using a self-hosted language model, separate from live scoring. Ojuri says its services and transaction data remain within the operator’s infrastructure. The project is MIT licensed, with no per-call fees or rate limits.