What is risk scoring?
Risk scoring assigns a numeric or categorical risk level to a product event—login, payment, or signup—so you can prioritize investigation and back every ALLOW, REVIEW, or BLOCK decision with a clear reason.
Score vs decision
Naiza combines risk scores with named rules to return ALLOW, REVIEW, or BLOCK. Each decision includes the event context and matching rules, so investigators can explain the result and tune the controls.
How to use it
Sort the REVIEW queue by score. Keep BLOCK for high-confidence listed devices, confirmed stuffing, or confirmed watchlist hits. Shadow new score thresholds before enforcing them.
Explain scores and decisions
Naiza combines risk scores, named rules, and device intelligence. Use scores to prioritize investigation and rule context to explain the ALLOW, REVIEW, or BLOCK decision.
Frequently asked questions
Answers about screening, risk signals, and Naiza integration.
What is a fraud risk score?
It is a ranking of event risk used to prioritize review. The customer-facing outcome should still be allow, review, or block with a reason you can defend.
Is risk scoring the same as a rules engine?
No. Scoring ranks. Rules encode policy. Mature stacks use both: scores for queue order, rules for the decision.
Does Naiza return ALLOW, REVIEW, and BLOCK?
Yes. That is the public decision contract for fraud events. Read the comparison of rules vs black-box scores.