Intelligent Adaptive Authentication

Drive down fraud, improve the customer experience, and meet compliance requirements with Intelligent Adaptive Authentication

Intelligent Adaptive Authentication

Leverage powerful fraud detection and authentication orchestration to reduce fraud and optimize each digital experience

Customer Experience

Fully Optimize the User Experience

Deliver a seamless customer experience to drive loyalty and service utilization

Fraud Protection

Reduce Account Takeover Fraud

Stop more fraud with a powerful risk analytics engine that uses machine learning


Meet Strict Regulations Faster

Speed up compliance with pre-configured rule sets and predictive machine learning models


Simplify Integration of New Technology

Leverage APIs to integrate new authentication and fraud technology

Weak Static Password

Eliminate Weak Static Passwords

Reduce password risks with multi factor authentication (MFA)

Mobile Channel Risk

Better Assess Mobile Channel Risks

Improve visibility into mobile channel risks across users, devices, and apps

How it Works

Leverage multi‑factor authentication, risk analytics, and app security

See how OneSpan’s Intelligent Adaptive Authentication helps financial institutions:

  • Improve fraud detection and prevention
  • Meet strict compliance requirements
  • Drive growth goals through better digital experiences for customers

Fully Optimize the Customer Experience

Deliver the best user experience with frictionless authentication

OneSpan’s Intelligent Adaptive Authentication applies a precise level of security for each unique customer interaction. No more, no less. This provides the best possible user experience.

Intelligent Adaptive Authentication accomplishes this through real-time analysis of vast amounts of user, device, and transaction data, resulting in a risk score. This score triggers automated security workflows that apply the exact security required. 

OneSpan offers the deepest integration and visibility into the mobile channel. This ensures accurate fraud detection and fewer false positives – as well as more effective protection in the rapidly growing mobile channel.

How Orange Money Improved UX, Security, and Compliance with Adaptive Authentication 

Mobile-only bank Orange Money Romania, a subsidiary of telecoms company Orange, utilizes OneSpan Intelligent Adaptive Authentication to improve the user experience and help fight mobile fraud.

Watch Orange Money discuss the benefits of risk-based authentication for their customers in this video.

Reduce Account Takeover Fraud

Drive down ATO fraud with omni channel detection and authentication orchestration

OneSpan Intelligent Adaptive Authentication protects against account takeover fraud by combining multi factor authentication (MFA) with a powerful risk analytics engine. The risk engine is powered by machine learning for more accurate fraud prevention in real time.

Intelligent Adaptive Authentication collects comprehensive data on the integrity of the user's device and mobile apps, behavior, transaction details, and other key contextual information to better understand risk and orchestrate the appropriate level of security.

Higher risk activity automatically initiates additional authentication requirements. An analysis of vast, disparate data means more accurate fraud detection and fewer false positives.

Meet Strict Regulations Faster

Benefit from pre-configured fraud models, rule sets, and integrated security features

Intelligent Adaptive Authentication is a powerful, yet easily deployed, cloud solution that helps fast-track compliance with regulations like PSD2. With pre-configured rule sets and predictive machine learning models tuned for specific applications such as mobile, online, and corporate banking, the solution accelerates compliance from day one. 

Unlike other providers, OneSpan’s solution includes a risk analytics engine with pre-configured models, extensive authentication options, and mobile app security. Intelligent Adaptive Authentication is a single, fully integrated solution backed by the most experienced industry support.

Analyst Report

KuppingerCole Report on OneSpan Intelligent Adaptive Authentication

This report provides recommendations to cybersecurity professionals on how to address the challenges of advancing cybercrime strategies and evolving legislation while protecting financial assets.

Better Assess Mobile Channel

Better Assess Mobile Channel Risks

Establish trust by improving visibility into the mobile channel

OneSpan's Intelligent Adaptive Authentication solution offers the deepest line-of-sight into the mobile channel. It does this by leveraging extensive device, app, and user data to accurately score the level of risk.

With this comprehensive mobile risk assessment, Intelligent Adaptive Authentication can identify new devices, remove compromised devices, and even transfer trust from one device to another.

Get started with Intelligent Adaptive Authentication

OneSpan can help prevent account takeover and other fraud while meeting compliance goals and ensuring the best possible digital experience

OneSpan recognizes and commits to working on the mitigation and elimination of bias in algorithms related to facial recognition/comparison -- OneSpan Statement on Facial Recognition/Comparison Bias.