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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 built directly into its platform. Designed to proactively detect threats and prevent unauthorized access, Salmon’s advanced security systems help keep customer accounts and transactions safe before fraud can even happen.
“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 quietly work in the background, and proactively stop fraud before it succeeds.”
With this, Salmon customers can transact with greater confidence knowing their accounts are protected by multiple layers of intelligent security.
Real-time visibility into every logged-in device
Unlike many financial apps that provide little visibility into account access, 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 thatsession with a single tap directly inside the app. Their active device remains clearly labeled as “This device” to avoid accidental lockouts.
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 risk-level, Salmon will either notify the customer about the detection in-app, or temporarily restrict sensitive account activity to help protect the customer.
In addition to this, customers will receive direct calls from Salmon’s anti-fraud team explaining exactly what was detected, and the steps needed to secure their accounts.
Detailed follow-up emails will also guide customers through removing malicious apps and protecting potentially exposed credentials.
Security beyond the OTP
Many account takeover scams in the Philippines rely on intercepting OTPs through phishing links, fake calls, SIM-swap attacks, 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 and certain high-risk transactions, customers must complete live facial verification. Unlike standard phone face unlock systems, Salmon’s facial recognition technology is designed to verify real, live users before sensitive actions can proceed.
This means that even if attackers successfully intercept OTPs, they still cannot move funds or fully take over an account, which reduces 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 happens digitally within the app itself, without requiring hotline calls, lengthy wait times, or branch visits, unlike other banks or fintechs.
24/7 human anti-fraud support
Salmon’s anti-fraud team operates around the clock, providing customers with access to real human support whenever suspicious activity arises.
For more complex fraud-related cases, Salmon also assigns investigators to assist customers in documenting incidents, preparing complaints, and coordinating regulatory or legal filings when necessary.
As digital scams continue to evolve, Salmon believes fintech security must move beyond reactive alerts and focus instead on proactive, customer-centered protection.
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