Model Settings: Self-Service Data Features

Most fraud defense vendors keep their models in a “black box” to keep their trade secrets safe. That leaves you in the dark, unable to tweak settings or see how decisions are made - even if the underlying data features aren’t exactly rocket science. Because Spec is built as a Journey Data™ platform first, we believe visibility and control belong to you. That’s why we’re exposing the thousands of data features and threshold settings our platform uses and giving you the power to tune your risk ratings on the fly.

The Challenge

We’ve heard it again and again: traditional fraud solutions give you a “take it or leave it” approach. If you need a quick tweak after spotting new fraud tactics, you’re at the mercy of the vendor’s update schedule. Worse, some contracts explicitly restrict your ability to modify their risk decisions at all. In a fast-moving fraud environment, that lack of autonomy can mean bigger losses and unnecessary headaches.

Introducing Model Settings

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Model Settings is our self-service toolkit for configuring the parameters behind Spec’s fraud detection. Unlike black-box solutions, we let you:

• Explore the signals that feed Spec’s algorithms—from device to behavioral data.
• Adjust thresholds in real-time.
• Experiment with new settings—then roll back instantly if needed.

Use Cases

1. Seasonal Adjustments
   Holidays and flash sales can trigger massive user spikes. Dial your risk thresholds up or down on demand—without waiting for outside support.
2. Rapid Response
   See a suspicious pattern emerge? Tweak your fraud settings and investigate. No more waiting days (or weeks) for vendor-side updates.

Why It Matters

• Immediate Control: Make real-time changes when attackers shift tactics or new product flows appear.
• Full Transparency: We’re not hiding behind trade secrets; these signals are your data, so you can see exactly how decisions are made.
• Autonomy: No more vendor dependency or forced acceptance of risk decisions you disagree with. You decide what’s right for your business.

Ready to see how it all comes together? Reach out for a closer look at how Model Settings puts you in the driver’s seat.