Intelligent Adaptive Authentication
Leverage powerful fraud detection and authentication orchestration to reduce fraud and optimize each digital experience
Deliver a seamless customer experience to drive loyalty and service utilization.
Speed up compliance with pre-configured rule sets and predictive machine learning models.
Reduce password risks with multi factor authentication (MFA).
Stop more fraud with a powerful risk analytics engine that uses machine learning.
Leverage APIs to integrate new authentication and fraud technology.
Improve visibility into mobile channel risks across users, devices, and apps.
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.
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.
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.
Features
Optimize the Customer Experience
OneSpan’s orchestration technology manages multiple authentication methods across digital channels, all driven by an accurate risk score. This ensures the right level of security and an optimal user experience.
Deploy better alternatives to weak and clunky passwords with biometric options, including fingerprint, facial recognition, and advanced behavioral biometrics to boost user experience and reduce fraud.
OneSpan’s Intelligent Adaptive Authentication assesses a variety of mobile data points related to device and mobile app integrity to determine the level of trust. This data is used to simplify future access and ensure a seamless customer experience.
The OneSpan Intelligent Adaptive Authentication solution supports secure out-of-band authentication options like user-friendly SMS and push authentication and patented visual cryptograms for transaction data signing. These use separate authentication channels to better protect against Man-in-the-middle attacks.
Reduce Account Takeover Fraud
At the heart of the OneSpan Intelligent Adaptive Authentication solution is a powerful risk engine that leverages machine learning to extract and score a vast amount of disparate data in real time. This results in highly accurate risk scores that better detect and prevent ATO fraud.
OneSpan’s Intelligent Adaptive Authentication uses both customizable rule sets and predictive models. These are tuned and optimized to identify all common fraud types and, as a result, are exceptionally effective at stopping ATO and other fraud.
Sophisticated phishing attacks and weak passwords are fueling fraud by cybercriminals. The OneSpan Intelligent Adaptive Authentication solution leverages extensive MFA options like biometrics, SMS authentication, and push authentication to better protect user and account data.
Meet Strict Regulations Faster
Our solution leverages pre-configured rule sets and models for strict regulations like PSD2. These are based on decades of banking industry expertise and support even the most aggressive compliance timelines.
The OneSpan Intelligent Adaptive Authentication solution supports all three elements of Strong Customer Authentication (SCA), including password/PIN, mobile and hardware devices, and biometrics as a single integrated solution.
OneSpan’s Intelligent Adaptive Authentication continuously monitors the user, device, and transaction across web and mobile channels to identify anomalous patterns which indicate a higher propensity for fraud. This approach exceeds the strictest compliance requirements.
Easily Leverage New Fraud Tools
Intelligent Adaptive Authentication is powered by the OneSpan Trusted Identity Platform. This is a cloud-based platform designed to optimize an extensive list of integrated technologies.
OneSpan’s Intelligent Adaptive Authentication leverages powerful risk analytics, MFA, and mobile security technology. It also has the ability to seamlessly integrate with new fraud platforms via a simple API connection.
Client-side and server-side orchestration along with an intuitive management interface enables authentication methods to be changed at any time and pushed out to large user populations with no application code changes.
Strategic technology partner relationships ensure rapid integration of new fraud tools and capabilities designed to stay ahead of sophisticated fraud schemes.
Eliminate Weak Static Passwords
Deploy better alternatives to weak and clunky passwords with biometric options, including fingerprint, facial recognition, and advanced behavioral biometrics to boost user experience and reduce fraud.
OneSpan’s Intelligent Adaptive Authentication supports a wide variety of authentication methods, from traditional PIN and password to out-of-band and modern biometrics. This ensures a quick and seamless migration experience.
Our solution supports secure out-of-band authentication options like user-friendly SMS and push authentication, and patented visual cryptograms for transaction data signing. These use separate authentication channels to better protect against Man-in-the-middle attacks.
OneSpan’s orchestration technology manages multiple authentication methods across digital channels, all driven by an accurate risk score. This ensures the right level of security and optimal user experience.
Increase Mobile Channel Trust
Jailbroken or rooted mobile devices are at greater risk of being compromised due to removal of important application download restrictions. OneSpan’s Intelligent Adaptive Authentication identifies this vulnerability and applies appropriate security measures to dramatically reduce risk.
Our solution leverages end-to-end encryption, supporting the highest level of security between the server and mobile device exchanges, including authentication credentials, to fully protect all user and transaction data.
Device binding enables users to securely transact on trusted devices without repetitive authentication challenges. This is done through continuous verification of the trusted device (which has been registered to the user and bound with their credentials).
Mobile banking malware continues to evolve and propagate faster each year, exposing customers’ personal data and making it easier for cybercriminals to commit account takeover fraud. As part of the OneSpan Intelligent Adaptive Authentication solution, mobile application shielding gives apps the power to defend against malware, even on infected devices.
