• Account Takeover Protection: A service provider may subscribe to SIM swap events for protected customer accounts. If a SIM swap is detected, the application can increase the risk level of the account and apply additional controls before allowing sensitive actions such as login, password reset, account recovery, changes to trusted devices or SMS OTP-based authentication.
• Fraud Prevention in Banking and Financial Services: A bank, fintech or payment provider may use SIM swap notifications as an input to its fraud decision engine. When a SIM swap event is received for a customer phone number, the organization can trigger step-up authentication, temporarily restrict high-risk transactions, alert the customer or route the case to manual review.
• Secure Customer Onboarding and Account Activation: During or after digital onboarding, an organization may monitor the phone number associated with a new account. If a SIM swap event occurs shortly after onboarding, the application can reassess the trust level of the account before enabling sensitive operations.
• Fraud Prevention in digital Services: E-commerce platforms, marketplaces, ticketing platforms, social networks and subscription services may subscribe to SIM swap events for high-risk or high-value users. A notification can be used to protect password resets, account recovery, changes to payment methods, sensitive purchases or resale activity.
• User Notification for SIM Changes: An organization may use SIM swap notifications to inform users or internal fraud teams when a SIM change has been detected for a protected account, improving transparency and enabling faster reaction to suspicious activity.

Related GSMA Open Gateway use cases:

• Account Takeover Protection: Account Takeover Protection
• Fraud Detection in mobile Insurance Claims: Fraud Detection in mobile Insurance Claims
• Reducing fraudulent online Ticket Purchases: Reducing fraudulent online ticket purchases

• Event-driven SIM Swap Monitoring: API consumers can receive notifications when a SIM swap event occurs for a subscribed phone number, instead of relying only on point-in-time checks.
• Faster Fraud Response: Organizations can react shortly after a SIM swap event is detected, enabling proactive controls such as step-up authentication, user alerts, manual review, temporary account restriction or transaction blocking.
• Reduced API Polling: For use cases that require continuous monitoring of selected phone numbers, the subscription model can reduce the need for repeated SIM Swap API queries.
• Operational Efficiency: The API helps API consumers automate monitoring and notification workflows, reducing manual checks and supporting faster fraud operations.
• Better fit for high-risk Accounts: The subscription model is especially useful for protected users, high-value accounts, sensitive journeys or accounts under enhanced monitoring where waiting until the next transaction may be too late.
• Developer-friendly Event Integration: The API follows a subscription and notification model where the API consumer provides a notification sink and receives standardized event notifications.