[New] Incognia FinTech Mobile App Friction Report - Device Change Edition - Download Now

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 OTPs and Passwords

Zero factor. Zero friction.

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Proven technology -
deployed in 100M+ devices

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 reduces ATO on mobile wallet by 80%

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  • 93%

    users enjoy frictionless authentication

  • 90%

    reduction in fraud losses

  • 0.0013%

    false positive rate

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

Insights & Analytics

Location and Device Intelligence

We make it easy to view real-time dashboards and risk assessment details, with supporting evidence.

    • icon-high-level-summary

      Summary and detailed views of risk assessments

    • Export feature

      Export feature for in-depth reporting

    • icon-detailed-view

      API integration with any risk engine

    Authentication Screen1
  • Device
    dashboard device
  • Location
    dashboard location
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. 

  • Instant value

    Integrate in minutes using our integration wizard

  • Well-structured API

    Work with well-structured and easy to understand API responses

  • Monitor-only mode

    Test in monitor-only mode and view results on the dashboards

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...

2021 Market Guide for Online Fraud Detection Cover
Gartner Report

2021 Market Guide for Online Fraud Detection

Read Gartner’s recently published report to learn about the growing Interest in new and more reliable location intelligence for Mobile Banking.

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?