Digital banking authentication that adapts to risk
Stronger assurance, less friction, and accurate fraud-aware decisions in one flow.
High-risk moments need smarter authentication
Digital banking teams cannot treat every login, payment, or account change the same way. Too much authentication slows good customers and creates friction. Too little leaves high-risk moments exposed to fraud.
Outseer helps financial institutions apply the right level of assurance at the right time, using real-time risk signals to decide when authentication is needed, how much assurance is required, and which method is most appropriate.
The result is a more intelligent approach that protects sensitive journeys, preserves trust, and keeps legitimate customers moving.
A Unified Approach of Fraud Risk and Customer Authentication
Outseer combines risk assessment with native authenticators to turn authentication into a dynamic fraud control. Our risk engine evaluates behavioral, device, transaction, scam, and mule signals in real time, then determines whether to allow, step up, or decline a transaction or activity.
When additional assurance is needed, Outseer can invoke the right challenge, including OTP, push notifications, mobile biometrics, customer authenticators, and FIDO passkeys. This connects fraud intelligence to authentication orchestration across login, payments, and 3DS.
step-up decisions
Banking-Grade FIDO Authentication
FIDO and passkeys are becoming the next generation of authentication for digital banking. They replace OTP-heavy journeys with phishing-resistant, device-bound credentials that are easier for customers to use. But standard FIDO is not enough on its own for banking.
Outseer makes it banking-grade by adding fraud intelligence around the passkey event, including behavioral, device and contextual risk signals. This way banks can decide whether the activity should be trusted, not just whether the credential was valid.
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Why financial institutions choose Outseer
Outseer spans authentication, risk, and fraud prevention, which is why we are not limited to rigid authentication logic. We pioneered Adaptive Authentication, continue to lead in risk-based decisioning, and support evolving standards without losing sight of the real job: reduce fraud, protect the customer experience, and preserve the right level of assurance at the right time.
Protect every step of your customers' digital banking journey with a powerful, comprehensive fraud management platform that utilizes predictive AI and machine learning along with a powerful policy engine to help prevent fraud and ensure a more secure and streamlined digital banking journey.
Maintain ongoing compliance with the ever-evolving 3DS protocol while minimizing fraud and maximizing card transaction approvals which in turn drive interchange income up. Your cardholders will enjoy a secure and frictionless digital shopping experience.
Ready to get started?
Reduce fraud, prevent scams, and protect customers with industry-leading accuracy and minimal customer intervention.
Frequently asked questions about Authentication
Does Outseer authentication only work at login?
No. Outseer supports authentication decisions across the banking journey, including login, post-login activity, payments, and 3DS challenge flows. That lets banks apply the right level of assurance wherever risk shows up, not just at the entry point.
Why do banks need Outseer if they already have strong authentication?
Because strong authentication alone does not know if an activity can be trusted, how much assurance is needed, or when step-up is warranted. Outseer adds real-time risk intelligence so banks can protect high-risk moments without adding unnecessary friction for good customers.
What does Outseer decide in the authentication flow?
Outseer helps determine whether authentication is needed, which method is most appropriate, and whether the activity should be allowed, stepped up, or declined. It also supports the final fraud decision after the authentication check, so banks can trust the outcome in context.
How is Outseer different from a CIAM platform?
CIAM focuses on identity and credential lifecycle management. Outseer adds fraud intelligence and adaptive risk evaluation, so authentication can respond to real-world threat signals instead of relying on static rules alone. It is a distinct risk and fraud layer that works alongside CIAM.
How does Outseer support SCA and PSD2?
Outseer helps banks apply strong customer authentication in a risk-based way, so they can meet PSD2 requirements without forcing unnecessary step-ups on every transaction. By using real-time risk signals, banks can trigger additional authentication when needed and keep lower-risk journeys as frictionless as possible.