Mobile Identity for Banking

Stronger security, better user experience, full compliance.

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mobile identity

TURN MOBILE IDENTITY INTO A COMPETITIVE ADVANTAGE

The modern banking experience is fully digital, entirely mobile and increasingly under attack from AI-driven fraud. Customers expect seamless access, regulators and your InfoSec teams demand stronger security, your fraud teams want more data and more checks. It has been impossible to keep everyone happy. Until now…

IDlayr for Banking delivers real-time mobile identity verification that protects against phishing, vishing, SIM swaps, and account takeovers. It works silently in the background, verifying users directly with mobile network operator security without forcing them through high-friction authentication steps.

The result is better protection at every stage – from onboarding and login to transaction authentication – while maintaining the speed and ease users expect from a modern financial experience.

 

Why It Matters

Secure digital banking without complexity.

  • Streamline onboarding and login

    • Verify users silently across the full user journey using SIM-based authentication to prove mobile ownership without the need for SMS OTP, reducing friction and delighting customers.

  • Reduce fraud at every step

    • Stop phishing, SIM swap, and account takeover attacks using strong, invisible, real-time mobile network-based identity checks.

  • Meet Regulatory and InfoSec requirements

    • A mobile identity layer that supports secure mobile user authentication and data privacy across the customer lifecycle with full auditability.

Traditional Mobile Banking Authentication

IDlayr for Mobile Banking

Passwords and SMS OTP - insecure and a poor UX Highly secure, real-time and invisible mobile identity delivers high conversion with zero friction Device fingerprinting - unreliable with too many false positives Deterministic (Yes / No) result with zero false positives High Fraud levels due to phishing and social engineering vulnerabilities Very low fraud based on cryptographically secure possession-factor security Legacy solutions no longer meet Regulatory & security requirements Stronger compliance and lower fraud risk Complexity and poor performance leads to high support costs Invisible UX and low fraud cuts cost and improves business performance

 

Which teams can benefit?

  • Digital Banking

    • Low friction onboarding and user authentication improve conversion rates, driving increased revenues and happier customers.

  • Regulatory & InfoSec

    • Avoid fines and reputational damage. Strengthen security and comply with regulations such as PSD2 and NIST by eliminating SMS OTP. Ensure data privacy and in-region data processing.