Zero-Factor Authentication

Eliminate Account Takeovers and Friction on Mobile

Recognize trusted mobile users in real-time based on location behavior and device intelligence, and reduce reliance on high-friction Passwords, OTPs, 2FA and MFA.

Zero factor. Zero friction.

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Proven technology -
1.5B+ monthly sessions

Fintechs, banks, retailers, social networks, food delivery, and online marketplaces use Incognia as a strong trust signal within their mobile apps, to remove friction for trusted users, drive increased mobile revenue, and reduce fraud.

Case Study new

Challenger bank willbank reports 0 ATO from users with location enabled

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  • 0 (zero)

    ATO for users with location enabled

  • 0.0013%

    false positive rate

  • 93%

    users enjoy frictionless authentication

  • 90%

    reduction in fraud losses

Enhanced Risk-based Authentication

Incognia zero-factor authentication provides a new and highly effective defense against fraudsters. Working silently in the background Incognia offers enhanced risk assessments for mobile authentication using enhanced location behavior and device intelligence. Incognia provides superior defense against ATO fraud, adding no friction to the mobile experience. 


  • Prevent Account Takeover

    The fraudsters already know how to bypass most security controls you have in place, upgrade to adaptive risk-based authentication and stay ahead of fraud.

    • Detect discrepancies in user behavior
    • Recognize trusted customers
    • Reduce account takeover rate
  • Remove OTPs and Passwords

    Your customers want to access your App without friction, stop asking for passwords and OTPs and focus on challenging only the fraudsters.
    • Stop fraudsters, not trusted customers 
    • Eliminate the frustration of passwords
    • Use it as the first MFA layer
  • Detect Location Spoofing and Fraudulent Devices

    Fraudsters have easy access to tools and techniques to spoof location and fool traditional device fingerprinting systems.

    • Detect location spoofing
    • Recognize devices with bad reputation
    • Detect fraud farms

Location and Device Intelligence

We make it easy to view and access risk assessment details, with supporting reason codes, in summary and detailed view dashboards.

  • Deatailed summary

    Summary and detailed views of risk assessments

  • Export feature

    Export feature for in-depth reporting

  • icon-puzzle

    Stand-alone fraud detection, or integrate our APIs with any risk engine

Incognia Dashboard
Incognia's dashboard
Designed for developers

Fast SDK integration & easy-to-use APIs

We provide a lightweight mobile SDK and intuitive APIs to make it easy for you to add location and device intelligence to risk assessments throughout the user journey.

SDK Payload Example
Mobile Authentication - From Passwordless to Frictionless Cover
White Paper

Mobile Authentication - From Passwordless to Frictionless

Learn how the different types of mobile authentication options rank for friction and security and how to choose between multi-factor, passwordless and...

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Gartner Report

Take 3 Steps Toward Passwordless Authentication

Read this Gartner report to learn how to navigate the path to passwordless, prioritizing UX and security improvements and minimizing time to value.

Risk-based authentication for account takeover reduction Cover
Case Study

Risk-based authentication for account takeover reduction

Will Bank, a Brazilian fintech, achieves 80% reduction in account takeover and 90% cost reduction on mobile with Incognia's risk-based authentication...

Ready to reduce fraud and friction on your mobile app?