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Account Takeover Prevention

Real-time detection of use of stolen credentials

Reduce ATO with advanced fraud prevention using location behavior and device intelligence.

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  • Reduce ATO

    Reduce ATO

  • Frictionless account security_2

    Reduce friction

  • Fraud

    Reduce fraud

Incognia Phone
  • Reduce ATO rate

    Identify use of stolen credentials before account takeover

    • Recognize trusted customers based on location behavior
    • Detect anomalies in user behavior and device characteristics
  • Reduce friction for trusted users

    Stop fraudsters, not customers, accessing accounts

    • Works silently in the background, requiring no action by users
    • Provides continuous risk assessment 
  • Reduce fraud

    Detect emulated or compromised devices and device spoofing

    • Identify fraudulent devices and fraud farms
    • Detect device anomalies 
Case Study new

Challenger bank willbank reduces ATO on mobile wallet by 80%

Download case study
  • 93%

    users enjoy frictionless authentication

  • 90%

    reduction in fraud losses

  • 0.0013%

    false positive rate

Frictionless risk-based authentication

Keep fraudsters out and let customers in.

Incognia provides dynamic, adaptive risk-based authentication to help companies secure mobile users and prevent account takeover.

Adding no friction, Incognia works silently in the background to build a location behavioral pattern, unique to each user. It works like a location fingerprint, that is dynamic and continually updating. Incognia continuously searches for anomalies in user location behavioral patterns and device characteristics.

When a fraudster attempts to access an account using stolen credentials that don't match the device or user location behavior history, Incognia will deliver a higher risk score. For trusted users, Incognia delivers a low-risk, and friction free login experience.

  • User attempts login

    User attempts login

    The user enters login credentials.

  • Device is checked

    Device is checked

    Incognia checks the user’s device for emulation, location spoofing, and against the device watchlist.

  • Location is checked

    Location is checked

    Incognia matches the user’s current location with the user's location behavior history to assess risk and delivers a combined location and device risk score. For low-risk logins, Incognia enables a friction free experience.

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
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...

Risk-based Authentication Cover
Solution Brief

Risk-based Authentication

Read more about how Incognia provides superior defense against account takeover and delivers a frictionless user experience during login with risk-based...

Account Takeover Prevention Using Location Behavior Cover
Blog Post

Account Takeover Prevention Using Location Behavior

Strong Account Takeover Prevention could be achieved through the use of location behavior since 90% of legitimate logins happen at trusted locations.

Start using private location awareness in your app.