The use case: how Novo deploys Sardine
Novo, a financial platform for small businesses, uses Sardine's device intelligence, behavioral biometrics and rules engine to monitor users from account opening through funding and transactions. It replaces hard declines on suspicious card transactions with step-up checks such as SMS or OTP confirmation.
More reported results
Figures published in Sardine’s case study. They are not independently measured by usedby.
Novo now recovers 84% of previously blocked transactions
In the customer’s words
My favorite feature of Sardine is that I can create a new, complex rule set to try and catch a new fraud pattern, I can then test that against the last 30, 60 or 90 days to see how it would have performed. Then, if I like it, I can push it to production instantly. That's game-changing.Other AI tools used by Novo
Other public relationships recorded on usedby.
Explore Novo’s AI stack
Sardine users in Fintech & Payments
Companies in the same sector, with public evidence.
See all Sardine customers
Go straight to the source
Based on Sardine’s published case study. We check the public evidence; the results are reported by the vendor.
sardine.ai- Last checked
- Oct 8, 2026
Open source capture What the story claims, and what we checked
What we compared with the page.
- The figure: 90%Checked
The figure is on the page; its label is our wording.
- The passage quoted aboveChecked
Copied word for word from the page, near the name of Novo.
- Novo uses SardineChecked
Confirmed line.
- The result itselfNot checked
We quote it; we did not measure it.
Since implementing Sardine, Novo has achieved a best-in-class chargeback rate on debit cards, beating industry benchmarks and reducing unauthorized disputes by more than 90%.