Detect risky activity with greater confidence
Modernize authentication with FIDO. Add fraud intelligence. Trust the user, the device, and the activity.
Protecting banking journeys in an increasingly sophisticated fraud landscape
FIDO passkeys are a major step forward for authentication. They reduce reliance on passwords and SMS OTP while improving customer experience and providing phishing-resistant authentication.
But successful authentication doesn’t always mean the activity itself can be trusted.
Social engineering, account takeover, compromised devices, and customer manipulation can turn legitimate users into participants in risky activity. Financial institutions need to look beyond the credential to understand behavior, device trust, transaction context, and customer intent before deciding whether an interaction should proceed.
A unified view of banking risk
Outseer brings authentication and fraud intelligence together to build trust across digital banking journeys.
Banks can assess risk in the moment—then allow, challenge, or step up authentication based on the context of each interaction.
From a strong credential check to
one intelligent trust decision
Outseer combines strong FIDO authentication with behavioral intelligence, device intelligence, and fraud decisioning to assess the risk behind every interaction.
Authentication becomes one signal in a broader trust assessment—not the final answer on its own.
This helps financial institutions reduce unnecessary friction, improve approval rates, and strengthen protection across login, payments, high-risk servicing, 3-D Secure challenge flows, and scam-related activity.
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Why financial institutions choose Outseer
Outseer helps banks and card issuers move beyond authentication that simply verifies identity to authentication that informs a trust decision. By combining FIDO with fraud intelligence, Outseer brings risk awareness into every authentication decision.
This approach extends across critical banking journeys—from login and payments to high-risk servicing, 3-D Secure, and scam-related interactions—helping financial institutions strengthen security without adding unnecessary customer friction.
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.
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Reduce fraud, prevent scams, and protect customers with industry-leading accuracy and minimal customer intervention.
Frequently asked questions about FIDO 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.