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Our Story

Formotiv is a banking and insurance fraud solution that uses Predictive Behavioral Analytics to intelligently predict fraud and reduce risk by measuring a user’s digital body language.

Formotiv’s AI software collects thousands of behavioral data points before the applicant presses the submit button, allowing for a clear understanding of not only who is filling out the form, but what their true motive is.

We use our predictive behavioral analytics data to forecast everything from seemingly risky behavior to application choke points, leading to less fraud and higher application conversion rates.

By analyzing a users digital body language, which includes actions like copying/pasting response questions, changing answers, idling on certain questions, and flipping between tabs, Formotiv’s predictive behavioral analytics fraud solution is able to paint a picture of your applicant and determine with remarkable accuracy what that applicant’s ‘intent’ is.

Formotiv was founded in Philadelphia in 2017 and currently has offices in Philadelphia and Ho Chi Minh City.

We are backed by successful East Coast Angel Investors who have extensive experience as technology entrepreneurs and investors.

To learn more about how we’re helping Fortune 500 companies predict and prevent fraud, lower risk, and optimize application experiences, see our solutions.

ai fraud prevention software
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Our Values

We believe we’re only as successful as our team. We’re a scrappy, collaborative group that is open to challenging each other and believe in learning something new everyday.

Work Ethic

We look at each day as an opportunity to get better for our team, ourselves, and our customers.


We believe in each employee having responsibility and accountability to deliver.


We look at each day as an opportunity to learn something new, not as an opportunity to prove what we already know.


We care how others feel around us, and we take necessary time to understand their points of view.


We know our strengths and weaknesses and aren’t afraid to ask for help.


We have the judgment to do the right thing even when it’s not in our own self interest.

Sound good to you?