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Kora Sentinel

Kora Sentinel is an elder financial exploitation detection platform that continuously monitors transaction activity, behavioral patterns, and account changes to identify and prevent financial abuse of vulnerable populations. Built for banks, credit unions, and fintechs operating across Africa and globally.

What you can do​

  • Behavioral Baselines — Automatically build per-customer spending, balance, beneficiary, and device baselines over configurable rolling windows. Detect deviations in real time.
  • Signal Detection — Detect exploitation signals across 7 categories: gradual draining, new relationship exploitation, POA access anomalies, scam signatures, lifestyle inconsistency, cognitive decline indicators, and isolation patterns.
  • Exploitation Risk Scoring (ERS) — Compute a composite risk score (0-100) per enrolled elder profile using rule-based, ML, or ensemble methods. Scores map to five risk tiers: Normal, Watch, Elevated, High, and Critical.
  • Alert Management — Automatically generate alerts when risk thresholds are crossed. Review, confirm, dismiss, or escalate signals through the API or dashboard.
  • Batch Operations — Run enrollment scans, baseline recalculations, and draining scans across your entire protected population on demand or on a schedule.
  • Event Processing — Ingest transaction, session, beneficiary, account, and customer events from your core banking system or digital channels for real-time signal evaluation.

How it works​

Kora Sentinel integrates with your core banking platform to receive events and evaluate them against each enrolled elder profile's behavioral baseline.

┌─────────────┐     ┌─────────────┐     ┌─────────────┐
│  Your Server │────▶│  Sentinel   │────▶│  Your Server │
│  (events)    │     │  API        │     │  (webhook)   │
└──────────────┘     └──────┬──────┘     └──────────────┘
                            │
              ┌─────────────┼─────────────┐
              │             │             │
        ┌─────▼─────┐ ┌────▼────┐ ┌──────▼──────┐
        │ Behavioral │ │ Signal  │ │    ERS      │
        │ Baselines  │ │ Engine  │ │  Scoring    │
        └────────────┘ └─────────┘ └─────────────┘
  1. Enroll elder profiles by creating profiles with customer demographics and linked accounts
  2. Send events (transactions, sessions, beneficiary changes) as they occur in your banking system
  3. Sentinel evaluates each event against the customer's behavioral baseline and active detection rules
  4. Signals are generated when exploitation indicators are detected, updating the profile's ERS
  5. Alerts and webhooks notify your team when risk thresholds are crossed

Who it's for​

  • Retail banks protecting elderly customers from financial exploitation
  • Credit unions meeting regulatory requirements for elder abuse detection
  • Fintechs building responsible financial products with built-in vulnerability protections
  • Compliance teams needing auditable signal detection with configurable rules
  • Regulators seeking standardized elder protection monitoring across institutions

Next steps​