Account Takeover Software | ATO Solution

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%

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

The user enters login credentials.
Device is checked

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

Summary and detailed views of risk assessments
Export feature for in-depth reporting
Stand-alone fraud detection, or integrate our APIs with any risk engine

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.