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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%

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  • 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 access Incognia's risk assessment and supporting evidence. Incognia supports API integration to your risk engine, provides an export feature for in-depth reporting, and summary and detailed view dashboards for easy viewing of supporting evidence. 

  • 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.

  • Instant value

    Integrate in minutes using our integration wizard

  • Well-structured API

    Work with well-structured and easy to understand API responses

  • Documentation

    Advanced technical support via:

SDK Payload Example