Money Transfers

Secure your banking transactions, boost confidence in your online and mobile channels, and provide a consistent user experience for every single customer

Business Challenge

Security is critical to protecting the brand and building client trust. At the same time, productivity and reduced transaction execution times remain important business priorities.​

Stop social engineering fraud

Social engineering techniques continue to evolve and are used at scale, meaning financial institutions must find ways to future-proof online and mobile banking against sophisticated attacks.


Some existing transaction protection practices (e.g., transaction authorization codes via SMS-messages) are no longer effective and will phase out in new versions of regulation standards.

Mobile phone with an OTP on screen

Adopting general use solutions not designed for money transfer applications, can lead to user confusion, errors, and high process abandonment rates.

Access Rights Management

Implementing a one-option solution creates a single point of failure, cuts out some user groups, and bottlenecks innovation for digital channels.

The Solution

Easy and secure transaction authorization (also known as transaction signing) that thwarts social engineering attacks


Mitigate Social Engineering Attacks

OneSpan’s DIGIPASS FX1 BIO solutions help prevent fraud and strengthen protection against Trojans, phishing, Man-in-the-middle (MiTM) and Man-in-the-browser (MiTB) attacks


Passwordless solution

Eliminating passwords improves usability. Remove friction and deploy stronger, more convenient authentication with fingerprint biometrics.


Do business, anywhere, anytime

Log on, and sign transactions and documents anywhere, anytime, on any device and in all confidence.

OneSpan Global Mobile App Security Vulnerabilities Report
Analyst Report

OneSpan Global Mobile App Security Vulnerabilities Report

Find out which types of apps are most susceptible to repackaging attacks—and what industry benchmarks you should use to assess your own level of app protection. 

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Combat Online and Mobile Banking Threats

OneSpan Cronto solutions strenghten protection against account takeover and phishing attacks as well as banking Trojans, Man-in-the-Middle (MitM), and Man-in-the-Browser (MitB) attacks.

Cronto solutions create a unique electronic banking signature for each transaction using details such as account numbers, transaction amounts or any other text or messaging the bank wants to send. This solution preserves data integrity and ensures authenticity, rendering any changes made to a transaction after it has been electronically signed, invalid.

Simple Scan and Sign

Excellent User Experience

Cronto solutions enable fast adoption and are intuitive to use. The “what you see is what you sign” principle is ideally suited for banks and FIs looking to secure digital transactions without compromising on user experience. 

When a user initiates a banking transaction, the details of that transaction are encrypted and presented in a colored QR code. The user simply scans that code and signs the transaction. Cronto solutions offer a passwordless authentication method as no manual input is required to confirm banking transactions.

Mobile device open to a bank account overview

How Orange Money Romania Added Risk‑based Authentication to the Mobile Experience

Learn how Orange Money deployed risk-based authentication in the cloud for a stronger fraud prevention and security strategy.

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Secure Channel and Transaction Authorization

Take Control of Transaction Authorization

One of the biggest challenges in combating social engineering is educating and guiding the banking customer to recognize a scam before being tricked into authorizing fraudulent transactions. 

By deploying OneSpan Cronto solutions, the bank is in charge of the authorization process, and the trust decision is taken out of the user’s hands. Only the bank can initiate the creation of a Cronto code, and only the intended recipient’s device can scan the code. All data is encrypted and the secure communication channel ensures message authenticity – the transaction authorization request originates from the bank. In addition, banks can decide to visually alert their customers of high-risk transactions.

Cronto solutions work perfectly together with OneSpan’s Intelligent Adaptive Authentication Solutions. By combining solution stacks, banks can dynamically detect fraud, calculate risk scoring, and apply the right level of authentication for each unique transaction in real time.

Success Story

Swedbank implements OneSpan’s Cronto technology to secure transactions and improve the customer experience


Swedbank is a leading bank with over 7 million retail customers, around 600,000 corporate customers and organizations, 172 branches in Sweden, and 122 branches in the Baltic countries. The group is also present in other Nordic countries, the US, and China


Protect account access and online transactions from social engineering attacks without hindering the customer experience. 


  • OneSpans’s Cronto solution helped achieve compliance with PSD2 authentication and dynamic linking requirements
  • Improved login and transaction signing experience – simple scan and sign
  • OneSpan Cronto solutions are available in a mobile and hardware version to accomodate every customer’s needs

Enable secure coverage across your full client base​

It can be challenging to deploy a solution that is both designed for fast adoption as well as 100% of your customers’ security requirements. OneSpan’s authentication solutions are available in mobile or hardware versions, and work offline to deliver continuity when connectivity is poor. ​

With OneSpan, banks and financial institutions can deploy a solution that provides a consistent and secure user experience across all digital channels, while offering customers maximum flexibility to choose between hardware or software authenticators.

OneSpan Product Use Case Catalog

Use Case Catalog

Our solution portfolio supports secure, simple end-to-end experiences for your clients. Find out how.

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Customers use OneSpan solutions to...

Secure transactions and mobile banking application

The bank implemented Mobile Security Suite with Cronto to meet the PSD2 dynamic linking requirements and help mitigate human risk in banking transactions.

  • Securely sign transactions 
  • Protect the bank’s mobile banking application by integrating application security, biometric authentication, and Cronto technology
  • Meet PSD2 requirements

Provide best-in-class authentication for corporate and retail clients

Digipass helps the bank to secure all financial and critical transactions online.

  • Strong authentication that eliminated transaction disputes
  • Boosted customer confidence in the bank’s online services
  • Helpful in attracting new customers

Protect users from account takeover and mobile malware losses

Volkswagen Bank implemented OneSpan’s mobile application security to protect the bank’s financial transactions and help ensure PSD2 compliance while enabling a positive customer experience.

  • Develop and protect PhotoTAN-App, a standalone mobile authentication app solely used to sign transactions initiated either online or via a mobile device. 
  • Seamless customer experience
  • Comply with the PSD2 authentication and dynamic linking requirements

Questions? We're ready with answers

OneSpan can help you prevent fraud and secure your revenue-generating, client-facing business processes.