Segments are defined by the event type and can be used to group requests by certain criteria in Policy Management. When a segment condition is evaluated as true, all policies linked to the segment are evaluated to provide a decision. If there are no policies linked to a segment, the default decision for the event type is returned.
Policy Management allows fraud professionals to define segments and policies to meet specific business needs. Segments and policies work together to reduce friction for good customers while adding friction to potentially risky transactions.
When a Login, New Account Opening, or Payments Fraud decision is requested, segments are used to group users by certain criteria. Thus the login has an appropriate policy set applied. Each segment has its own policy set, which makes it possible to create a customized level of friction based on the attributes of the customer signing in.
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Sign in to Kount 360.
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Select Policy Management.
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From the Decisioning tab, select an Event Type.
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Create a new set or select Edit for an existing set.
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Select New Segment.
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Enter a Segment Name.
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Enter a description.
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Select Segment Enabled to enable the segment after creation.
Note
When Segment Enabled is not selected, the segment is not evaluated. To enable or disable a segment after creation, go to Edit a segment and Enable an existing segment.
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Select Add Condition. You can add multiple conditions per segment.
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Search for or select a condition.
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Select Confirm.
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Configure the condition by selecting the operators. Each condition varies and requires additional input to complete the clause. Make sure you populate any additional fields that display based on your selection.
Note
You can add multiple conditions to a group or multiple groups. The first group of conditions is prioritized when executed.
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Optional: Add tags.
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Select Linked Policies to link or unlink policies to the segment.
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Select Manage Policies.
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Select one or multiple policies to link to the segment.
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Select Okay.
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Select Save.
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After changes have been saved, select Actions, and then Publish Changes.
For each Login, New Account Opening, or Payments Fraud decision, segments are evaluated in order. The default segment and its corresponding criteria apply automatically when no other segments have been created, or when none of the criteria of any other existing segments are met.
It is not mandatory to create segments. For some customers, the best business outcome is achieved when all users need to meet the same criteria to sign in with or without friction. Your Customer Success Manager can help determine the best setup for your specific business needs.
To change the order of a segment, drag and drop the segment or edit the segment number and save the changes.
Every customer begins with a default segment. If no custom segments are created, then all evaluations select the default segment and its policy set. When custom segments are created, but none are selected because one or more of their conditions do not evaluate as true, then the default segment is chosen. The default segment cannot be moved from last place.
We recommend that a policy set is created for the default segment prior to adding any new segments.
After creating a segment, you can edit the Segment Name, Description, Tags, Segment Conditions, and Linked Policies.
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Sign in to Kount 360.
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Select Policy Management.
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Choose a set, and then select Edit.
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In Segments, find the segment you want to edit, and then select Edit.
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Edit the segment.
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Select Save.
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After changes have been saved, select Actions, and then Publish Changes.
You can enable or disable a segment based on your specific needs at the time of segment creation without permanently deleting or modifying them. This helps prevent accidental activation of incomplete or experimental segments during configuration. Segments are enabled by default during configuration.
Note
The default segment is always enabled and cannot be disabled. This ensures that if none of the custom segments evaluate as true, then the default evaluates as true.
To enable an existing segment:
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Sign in to Kount 360.
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Select Policy Management.
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Find a set, and then select Edit.
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On the segment you want to enable, select Edit.
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To enable the segment, select Segment Enabled.
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Select Save.
The segment is enabled and evaluated in the order it displays in Policy Management.
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After changes have been saved, select Actions, and then Publish Changes.
Deleting a segment permanently removes it from your list in Policy Management. If you want to save a segment, but do not want it to be evaluated, you can disable it instead of deleting it. For more information, go to Enable an existing segment.
To delete a segment, perform the following:
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Sign in to Kount 360.
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Select Policy Management.
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Choose a set, and then select Edit.
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In Segments, find the segment you want to delete, and then select Edit.
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Select Delete.
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Select Delete again.
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