As fraud attacks become increasingly sophisticated in the Philippines, Salmon, one of the country’s leading fintech apps, continues to strengthen customer protection through powerful security features. Designed to proactively detect threats and prevent unauthorized access, Salmon’s advanced security systems help keep customer accounts and transactions safe before fraud can occur.
“Most financial platforms still treat fraud as something you respond to after the damage is done,” said Raffy Montemayor, Co-founder of Salmon. “At Salmon, we designed our security systems to work in the background and proactively stop fraud before it succeeds.”
With these features, Salmon customers can transact with greater confidence, knowing their accounts are protected by multiple layers of intelligent security.
Real-time visibility into where your account is being used
Unlike many financial apps, Salmon allows customers to view every device currently logged into their account, including the phone model, approximate location, and last active time.
If a device appears unfamiliar or suspicious, customers can instantly terminate that session with a single tap directly within the app. Their active device remains clearly labeled as “This device” to help prevent accidental lockouts.
Customers can also view the apps, online stores, and other services where their Salmon card is enrolled and easily restrict charges if needed. This gives them full visibility and control over where their Salmon account is being used.
Instant card controls and one-time virtual cards
Customers can instantly freeze or permanently block their Salmon card directly within the app if it is misplaced or suspected to be compromised, helping prevent unauthorized transactions in real time.
For safer online purchases, customers can also generate a one-time virtual card that expires after a single transaction. This keeps their primary card details protected and reduces the risk of card fraud.
Detecting malicious apps
One of the fastest-growing fraud threats in the Philippines involves malicious apps that silently read screen contents, intercept OTPs, and potentially execute unauthorized actions without the user’s knowledge.
Salmon actively detects when a suspicious app on a customer’s device has gained a dangerous level of control. Depending on the level of risk, Salmon will either notify the customer through the app or via a direct phone call, or temporarily restrict sensitive account activity to help protect the customer. Customers are then guided through removing malicious apps and securing any potentially exposed credentials.
Security beyond the OTP
Many account takeover scams in the Philippines rely on intercepting OTPs through phishing links, fake calls, or malware. Salmon’s security model is designed so that an OTP alone cannot authorize sensitive actions.
To access critical account functions, such as money transfers, customers must complete live facial verification. Unlike standard phone face-unlock systems, Salmon’s facial recognition technology is designed to verify that a real, live user is initiating the transaction before any sensitive action can proceed.
This means that even if attackers successfully intercept OTPs, they still cannot move funds or fully take over an account, significantly reducing the risk of account takeover fraud.
In-app fraud confirmation in under a minute
When Salmon detects a potentially high-risk transaction, it is flagged for confirmation before money leaves the customer’s account.
Customers immediately receive an in-app notification containing key transaction details, allowing them to quickly review the activity and either confirm the transaction and retry it instantly or report it as fraudulent.
The entire process takes place digitally within the app, eliminating the need for hotline calls, lengthy wait times, or branch visits that are often required by other banks or fintech providers.
24/7 human anti-fraud support
Salmon’s anti-fraud team operates around the clock, giving customers access to real human support whenever suspicious activity arises.
For more complex fraud-related cases, Salmon also assigns investigators to help customers document incidents, prepare complaints, and coordinate regulatory or legal filings when necessary.
As digital scams continue to evolve, Salmon believes fintech security must move beyond reactive alerts and instead focus on proactive, customer-centered protection.
