Content vector analysis is an advanced risk management technique used during the merchant underwriting and continuous monitoring phases. It involves deploying automated web crawlers and AI algorithms to scan a merchant's website, extracting text, keywords, metadata, and images to determine the true nature of the business.
Why is it Necessary?
Fraudsters frequently misclassify their businesses. A merchant might apply for an account under a low-risk Merchant Category Code (MCC) like "Educational Services," but their actual website might be selling high-risk financial advice or unauthorized nutraceuticals. Content vector analysis ensures the declared business model matches the digital reality.
Customizing Risk with Onlayer
Generic website scanning isn't enough; acquirers need customized rules. Onlayer empowers your risk teams to tailor onboarding logic directly to your acquirer-specific rules, MCC risk levels, and specific content vectors. If Onlayer detects prohibited keywords or cloned imagery associated with BRAM violations, it flags the severe risk instantly.
