L1 + L4 — Elderly Protection

Coercion-aware accessibility

Protect elderly customers without alarming the abuser.

Sesim Elderly Protection combines Layer 1 (Decision Integrity / coercion detection) with Layer 4 (Inclusive Access / elderly cohort) to safeguard elderly customers from family / caregiver financial pressure. When elderly stress-score crosses 65% (Patent claim 47) the bank receives a silent alarm, the transaction enters soft-pause, and an alternative-channel reconfirmation is required — without alerting the person applying pressure.

Public-sector / bank pilot

Live elderly-protection deployments require a partner-led pilot with a regulated bank or public agency. Available as L1+L4 cross-cut bundle.

Request pilot access →

Cross-layer flow (illustrative)

A typical L1+L4 cross-cut flow — illustrated only. No real audio is captured here.

1
Modality detect (L4)
cohort: age_75_plus · accessibility: voice + simplified-command
2
User says
"Tüm tasarrufumu transfer et"
3
L1 stress score
prosody + pause-pattern + speech-rate → stress: 0.72 (≥ threshold)
4
L2 voiceprint
match: 0.93 → real customer
5
L3 intent
{ action: HIGH_VALUE_TRANSFER, amount: full_savings }
6
Cross-layer verdict
L1 high stress + L4 elderly + L3 high-value → SOFT_PAUSE + silent alarm to bank
7
Alt-channel reconfirm
In-branch or insured-alternative; abuser not alerted; social-services reflex (Patent 47)

Why elderly need cross-layer protection

Family / caregiver pressure is the #1 financial-fraud category for elderly (Türkiye + global).
Standard fraud detection misses it — the customer "looks compliant" because they really say the words.
Sesim L1 detects prosody / pause-pattern / speech-rate stress markers (Patent claims 19, 46, 60).
Layer 4 elderly cohort signal triggers stricter caps + alt-channel reconfirm flow.
Patent claim 47: ≥65% stress score → silent alarm to bank fraud team without alerting the abuser.
Social-services reflex: optional integration with Family/Social Services for protective referral.

L1 + L4 cross-cut value

Bank: BDDK §11 elderly-protection compliance + reduced dispute volume + ESG narrative.
Customer: protected without humiliation; transaction soft-paused, not blocked.
Family member under suspicion: not alerted, not stigmatized — alt-channel reconfirm preserves dignity.
Regulator (KVKK + Aile Bakanlığı): clear audit trail + lawful-basis mapping.
NGO partner: shared-best-practice for elderly-rights protection.
Investor: measurable social-impact KPI (elderly-fraud reduction %) feeds ESG report.

KPI gates (pilot)

Elderly-cohort silent-alarm trigger rate calibrated against baseline fraud volume.
Pre-loss intervention conversion (silent alarm → halt) ≥ 60%.
False-positive rate (legitimate elderly transactions mis-flagged) ≤ 5%.
Alt-channel reconfirm completion ≥ 70% (within 24h).
NPS in elderly cohort ≥ +50 (post-incident survey).
ESG / social-impact KPI: elderly-fraud loss reduction by 40%+ in pilot cohort.

Pilot at a glance

Duration

8–12 weeks (L1 + L4 cross-cut)

Fee

$20–35k creditable to Phase 2

Scope

Bank or public agency × elderly cohort × high-value transactions

Partners

Bank fraud team + Family/Social Services + NGO

Phase 2

$300–500k yearly per institution

→

Inclusive Access (L4)

→

Decision Integrity (L1)