For banking journeys, rebuilt on proof.
Passwords and OTPs give way to device-bound passkeys. Every login, payment and beneficiary change is cryptographically tied to the customer's device — continuous, silent re-authentication with no phishable secrets.
Phishing-resistant MFA Securing every banking login and transaction.
SMS OTPs are bypassed in under 60 seconds — through SIM swaps, deepfakes and social engineering. Every login and high-risk transaction is exposed. Fraud grows, and so does friction.
Device-bound passkeys replace passwords and OTPs entirely. FIDO2/WebAuthn, post-quantum signatures and behavioral AI deliver continuous, silent re-authentication — no interruptions, no phishable secrets.
Hardware-bound authentication: Every session is cryptographically tied to the customer's device. Logins, payments and beneficiary changes are protected without OTPs or passwords.
Behavioural AI — silent re-authentication: Keystroke dynamics, touch patterns and navigation behaviour continuously verify the real user, defeating session hijack and deepfake attacks in real time.
Post-quantum cryptography: Device-bound identities use PQC signatures, so stolen credentials become mathematically worthless — and stay that way as quantum threats to RSA and ECC arrive.
Built-in compliance: Designed around central bank, PSD2, SCA and FIDO2 requirements — one integration covers every high-risk transaction.
3DS 2.0 authentication. Eliminate OTPs, reduce abandonment, increase revenue.
OTP friction at checkout drives up to 30% cart abandonment, and SMS codes are intercepted in seconds — a revenue killer and a security liability at once. With instant settlement, every fraudulent transaction is an unrecoverable loss.
A sub-second biometric confirmation on the customer's device replaces OTP step-up. Fingerprint or face — no SMS, no codes, no waiting — with 3DS 2.0 risk signals enriched by device intelligence.
Biometric step-up, not OTP: The cardholder confirms with a biometric tap on their registered device. The proof is generated on-device — nothing to intercept, no channel to SIM-swap.
3DS 2.0 risk enrichment: Device fingerprint, behavioral biometrics and location intelligence enrich risk signals — frictionless approval for low-risk payments, step-up only when needed.
PSD2, SCA & 3DS 2.0 aligned: Strong customer authentication without added checkout steps or custom compliance integrations.
Lower abandonment: Removing OTP friction lifts authorization rates, transaction volumes and customer satisfaction — measurable within weeks of deployment.
Cardless, PIN-less ATM & CCDM
The mobile phone as the secure key.
Physical cards and PINs remain banking's biggest vulnerability. Skimming, shoulder-surfing and lost cards cost billions every year — while ATM and CCDM technology lags far behind mobile-first expectations.
The customer's smartphone becomes a hardware-secure ATM key. A signed withdrawal request, started by QR or NFC, is authenticated by on-device biometrics. Cash is dispensed only after device-bound authentication is verified.
QR & NFC-initiated withdrawal: The customer starts a withdrawal in the banking app. A signed, time-limited token is presented to the ATM by QR or NFC tap — no card, no PIN.
Biometric device confirmation: Fingerprint or face verification on the phone proves both possession and presence before the token is sent, defeating relay attacks and impersonation.
No skimming surface: Nothing is inserted and nothing is typed. Counterfeit cards, shoulder-surfing and cloning have nothing to work with.
CCDM & branch integration: The same token works across cash deposit machines and in-branch kiosks — one cardless experience across the physical network.
Agent authentication
Instant access, zero friction, full auditability.
Agents verify callers with ID numbers, PINs and security questions — all easily harvested through social engineering. On outbound calls, customers can't tell the call is genuine, yet are still asked to answer security questions.
Customers authenticate with a cryptographic signature — initiated by the agent, approved in the banking app. Inbound, it confirms the caller. Outbound, it proves the call is legitimate before anything is exchanged.
Caller authentication via the app: The agent sends a push to the customer's banking app and the customer approves with biometrics. Identity is confirmed in seconds, with nothing to socially engineer.
Outbound, agent-initiated verification: On outbound calls the customer approves in-app first, confirming the bank is really calling. The social engineering window closes.
Full cryptographic audit trail: Every customer interaction and agent access event is signed and timestamped — an immutable, non-repudiable record for regulators without manual logging.
No misrepresentation: Behavioral biometrics and device binding keep the authenticated person the same person for the whole call. Session hijack and hand-off fraud are designed out.