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 security. Intelligent Adaptive Authentication is a single, fully integrated solution backed by the most experienced industry support.
Simplify Integration of New Fraud Technology
Leverage APIs to integrate future fraud prevention capabilities
OneSpan's Intelligent Adaptive Authentication solution is powered by our Trusted Identity Platform – a cloud platform that leverages simple APIs and an orchestration technology stack to integrate the most advanced multi factor authentication (MFA), risk analytics, and mobile security technologies.
Authentication orchestration ensures that security administrators can quickly deploy changes from one modality to another without changes to the mobile banking app.
David Vergara, Director of Product Marketing at OneSpan, explains the key benefits of authentication orchestration.
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.
Eliminate Weak Static Passwords
Replace passwords with risk-based authentication and proven biometric technology
OneSpan’s Intelligent Adaptive Authentication makes it easy for banks to completely do away with weak password security in favor of more advanced strong customer authentication (SCA).
- User-friendly face, fingerprint, and behavioral biometrics
SMS and push notifications
Our patented Cronto® technology for transaction signing
The solution also leverages authentication orchestration technology to seamlessly apply one or more authentication methods based on the level of risk.
David Vergara explains why risk-based authentication is more secure than strong passwords.
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.