South African digital bank Bank Zero has reported zero successful card fraud incidents since its launch in 2019, despite numerous attempted frauds. The bank attributes its success to its use of advanced technology such as biometric identification and behavioral analytics. Bank Zero’s security system always requires a customer’s authorisation for an online card transaction, whether the website is secure or not, and the bank has a registered patent on its card to prevent skimming. While its customer base is smaller, Bank Zero still claims it is statistically significant.