Accounts Protection
Secure mobile banking without friction
Replace cumbersome SMS OTP with invisible, network-based authentication, reducing fraud while improving customer satisfaction through frictionless access.
Account takeovers cost financial institutions millions while traditional security degrades user experience significantly
Traditional SMS OTP authentication creates significant friction in mobile banking applications. Users must wait for SMS delivery, manually copy codes, and navigate through multiple screens – a process taking up to 1 minute with 23 device taps and 14 number entries. This complexity not only frustrates customers but also creates multiple opportunities for user error and abandonment.
With network APIs, no longer choose between security and user experience
Orange leads on a cross-operator standardized solution that drastically reduces friction in the user journey without compromising security.
Life is too short to waste it on cumbersome user journeys
Using network-based verification, we authenticate users silently through their SIM card and mobile network connection. The process reduces authentication time to 30 seconds with only 6 taps and zero manual number entry, while maintaining superior security standards.
A bundle of APIs to raise the bar in terms of security
The ‘Account Protection’ suite already includes APIs that enable real-time verification of SIM card changes, smartphone changes, or the reliability of information transmitted by the user. It will soon be possible to add roaming status verification or line tenure with an operator. This provides maximum reliability for your mobile applications.
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Measurable impact on security and user experience metrics
Financial institutions implementing Protect Your Account suite report dramatic improvements across all key performance indicators.
50% decrease of time
spent authenticating on an application
4 times
fewer taps on the device than traditional OTP SMS user journey
0 risk
of mistyping during the authentication journey
Case Studies
Didit: obtaining international scalability thanks to standardized APIs
Didit application offers a frictionless user experience to streamline login (avoiding the use of cumbersome SMS-based one-time passwords and other F2A methods), while providing a robust security check against account hijacking or identity theft.
Used APIs
Number Verification, SIM Swap
Partners
Alberto Rosas, Didit’s co-creator
We can observe how by implementing thenumber verification API indeed we have moved beyond the traditional SMS method. Now with this Innovation you don’t need to wait for this OTP message to verify the usual identity and by doing so you increment the user experience and the security of your application.
