# How Novo uses Sardine

**90%** Reduction in unauthorized disputes

As published on [sardine.ai](https://www.sardine.ai/customers/novo). Captured by usedby on 2026-10-08.

- Company: [Novo](https://www.usedby.ai/companies/novo.md)
- Tool: [Sardine](https://www.usedby.ai/tools/sardine.md)
- Industry: [Fintech & Payments](https://www.usedby.ai/companies/industry/fintech-payments.md)
- Teams: Fraud, Data Engineering

## 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.

Summary written by usedby from the source page, in English. The figures are those of Sardine and Novo, not ours.

> 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%.

- **84%**: “Novo now recovers 84% of previously blocked transactions”

> 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.
>
> Director, Fraud Strategy, Director, Fraud Strategy

Source: [sardine.ai](https://www.sardine.ai/customers/novo), captured 2026-10-08.

## Other AI tools used by Novo

- [Taktile](https://www.usedby.ai/tools/taktile.md) — Observed

## Sardine users in Fintech & Payments

- [Prezzee](https://www.usedby.ai/companies/prezzee.md) — Confirmed
- [RAISE](https://www.usedby.ai/companies/raise.md) — Confirmed
- [Checkout.com](https://www.usedby.ai/companies/checkout-com.md) — Observed
- [Experian](https://www.usedby.ai/companies/experian.md) — Observed
- [FIS](https://www.usedby.ai/companies/fis.md) — Observed
- [Intuit](https://www.usedby.ai/companies/intuit.md) — Observed

## What usedby checked

We compared the story with its live page on 2026-10-08.

- Checked: the figure 90% is on the page; its label is our wording.
- Checked: the passage quoted above is copied word for word from the page, near the name of Novo.
- Checked: Novo uses Sardine. Confirmed line. Latest check across sources: 2026-10-18.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/novo-sardine · How we check: https://www.usedby.ai/methodology