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.

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  • 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.

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
Understanding Incognia’s risk assessments and evidence Cover

Understanding Incognia’s risk assessments and evidence

Incognia provides a risk score through the Incognia APIs, together with a confidence rating based on the correlation of current and historical user...

Mobile App Friction Report - Login Authentication & Password Reset Cover

Mobile App Friction Report - Login Authentication & Password Reset

Read 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...

Start using private location awareness in your app.