Using behaviour to enhance fraud detection

When you use goMoney and Internet Banking, we collect information about your device, and how you interact with it. 

Some examples are:

• Your device’s model and operating system
• Your IP address
• How you swipe 
• How you scroll 
• Your typing speed.

For Android™— users, we’ll also ask for permission(s) to use the ’Make and manage calls’ and ’Determine nearby devices’ device permissions to help protect you from fraud. We can check whether you’re on a call or not, but we can’t hear or make calls. We’ll see if you have other devices connected but won’t connect to them.  

The information is collected in the background, so you won’t notice anything different. 

We don’t collect information when you’re not using goMoney or Internet Banking.

The information we collect can help protect you from scams and fraud. Innovative security technology uses the information to help recognise the actions of a genuine customer versus an imposter. This can lead to identifying suspicious behaviour, including things like a login by someone that isn’t you.

We’ll never use this data for promotional or marketing purposes.

We’ll only share this information with our specialist security partner. The information is encrypted, and they won’t be able to identify you.

We collect behavioural biometric information on an individual customer basis, tied to your unique ANZ customer number. 

If goMoney or Internet Banking has been set up on a device using multiple customer numbers, there’s nothing that you need to do because the behavioural biometric information will be unique for each customer number.

Only one person may use each unique customer number. If you’ve been sharing one customer number, we may not be able to accurately record your behavioural biometric information, please contact us to help set up additional logins.

The data we collect is an essential part of how we help to protect you from scams and fraud. This means that you won’t be able to use goMoney or Internet Banking without having this data collected.  

If you want to have your access to these channels suspended, or be de-registered from them, you can contact us. You will still be able to manage your banking by:

• Using ANZ Phone Banking
• Visiting any ANZ branch
• Calling our contact centre