Passwordless Authentication

Remove login friction using location as a strong trust signal on mobile

Add location behavior and device intelligence to offer trusted users frictionless authentication at onboarding, login and payments.

  • Reduce friction

    Reduce friction

  • Increase security

    Increase security

  • Fewer false positives

    Fewer false positives

Incognia Phone
  • Reduce friction

    Stop fraudsters, not trusted customers 

    • Eliminate the frustration of passwords
    • Recognize trusted users based on location behavior
  • Increase security

    Reduce reliance on insecure passwords

    • Use dynamic, adaptive risk assessments
    • Identify at-risk logins based on location and device intelligence
  • Fewer false positives

    Implement adaptive authentication

    • Adapt authentication levels based on risk assessment
    • Use intelligence about user location behavior & reduce reliance on static credentials
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

Faster, easier, authentication

Eliminate reliance on insecure passwords.

With the large volume of user credentials available for purchase on the Dark Web, passwords are unreliable for user authentication. Unlike static passwords, Incognia enables dynamic, adaptive risk-based authentication for use in passwordless initiatives.

Incognia location behavior and device intelligence, works silently in the background to build a dynamic location behavior pattern, like a location fingerprint, unique to each user. Unlike static credentials the Incognia location fingerprint is constantly changing, making it virtually impossible to fake or forge. Incognia uses this location behavior history to provide risk assessments for login and payment transactions.



  • User ID is entered

    User ID is entered

    The user enters their ID.

  • Location is checked

    Location is verified

    Incognia verifies the device and matches the current user location with the location behavior history and provides a risk assessment.

  • Streamline new account creation

    Authentication is adapted

    Based on risk assessment, authentication required is adapted. Low risk user is authenticated with no friction, high risk user is provided additional authentication steps.

Insights & Analytics

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.

    • icon-high-level-summary

      Summary and detailed views of risk assessments

    • icon-export

      Export feature for in-depth reporting

    • icon-detailed-view

      API integration with any risk engine

    Dashboard overview
  • Device
  • 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 App Friction Report - Login Authentication & Password Reset Cover

Mobile App Friction Report - Login Authentication & Password Reset

Learn insights on the state of mobile app login authentication and the friction of password reset for the top banking and investing mobile apps in the US.

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 leverage user experience during login with frictionless risk-based...

Start using private location awareness in your app.