Passwordless Authentication
Seamless Security
Across Digital Journeys
Deliver secure, convenient, and phishing-resistant authentication across banking, payments, and digital services with FIDO and passkey technology.
Passwords Are No Longer Secure
Passwords remain one of the weakest links in digital security and are frequent targets of phishing, credential theft, and account takeover attacks. At the same time, complex password requirements add friction to the user experience, increase customer-service costs, and disrupt digital journeys.
Phishing
Fraudulent websites or identities trick users into revealing authentication credentials.
Credential Theft
Passwords and OTPs can be stolen through malware, phishing, or social engineering.
Password Reuse
Reusing passwords across services increases exposure to account takeover attacks.
User Friction
Failed authentication attempts can cause users to abandon login or purchase journeys.
The Evolution of Authentication
From Passwords to Passwordless
FIDO employs public-key cryptography to replace shared secrets with device-and-domain-bound credentials. During authentication, a pair of public-private keys are generated. For utmost security, private keys remain securely on the user’s device and are never transmitted, reducing exposure to phishing, credential theft, and data breaches.
| Criteria | Passwords | General & Proprietary Biometric Verification | FIDO Authentication [Recommended] |
|---|---|---|---|
| Verification mechanism | Shared Secret | Shared secret + biometric data | Public Key Cryptography |
| Server-Stored Credential | Password or password Hash | Password, token, or shared secret | Public key only |
| Phishing Resistance | Low | Limited | High |
| Credential Theft Risk | High | Medium | Very Low |
| Device Binding | None | Optional | Built-in |
| User Experience | High friction | Convenient | Seamless and passwordless |
FIDO Authentication Standards
Passwordless Authentication For or App and Web
HiTRUST supports both FIDO UAF and FIDO2/Passkey, helping financial institutions select appropriate password free verification standards based on service channels, device environments, and user experience needs.
01
FIDO UAF
Seamless Passwordless Authentication for Mobile Apps
Built for mobile-first experiences and dedicated digital banking applications, FIDO UAF enables secure, convenient authentication using device-local biometrics. It combines strong device and domain binding with a seamless in-app experience for high-value digital transactions.
| Applicable channels | Mobile App |
| Verification method | Device binding & local biometrics |
| Integration method | App SDK |
| Core value | Native, highly secure, password free |
01
FIDO2 / PASSKEY
Passwordless Authentication Across Websites and Devices
Built for websites and digital services, FIDO2 Passkeys let users sign in securely without passwords or additional authentication apps. With built-in support across modern browsers and devices, users can enjoy a seamless experience across their digital journeys.
| Applicable channels | Native, highly secure, password free |
| Verification method | WebAuthn and CTAP |
| Integration method | Platform and cross platform validators |
| Core value | Open standards, cross‑device, anti‑phish |
Veri FIDO in Action
One Passwordless Experience Across Every Digital Journey
Veri FIDO brings secure, passwordless authentication to the moments that matter, from logging in and making payments to approving high-risk transactions and managing digital wallets.
01
Banking Login
Enable frictionless access across web and mobile banking without the hassle of passwords.
02
Payment Authentication
Seamlessly verify online payments with FIDO in EMV® 3-D Secure and SPC.
03
Transaction Confirmation
Safeguard high-value transfers and without adding unnecessary friction.
04
Digital Wallets
Protect wallet access, account linking, and payments while keeping experiences app-native.
Deployment Options
Designed to Fit Your Infrastructure
Choose cloud or on-premises deployment to align with your IT infrastructure, security strategy, and regulatory requirements.
Built for Financial Services
Designed for high-assurance use cases across banking, payments, and transaction authorization.
Flexible Deployment
Choose between cloud, managed, private-cloud, or on-premises deployment to meet your operational and regulatory needs.
UAF and Passkeys, One Solution
Support both FIDO standards on one solution, protecting existing investments while enabling the next generation of authentication.
Enhanced Trust with Device Intelligence
Add device insights and fraud detection to strengthen user registration and authentication.
Deployment Options
Designed to Fit Your Infrastructure
Choose cloud or on-premises deployment to align with your IT infrastructure, security strategy, and regulatory requirements.
Cloud Deployment
- Accelerate deployment and shorten time to launch
- Scale elastically to respond to changing business needs
- Reduce infrastructure and day-to-day operational complexity
- Provide enterprise-grade security and continuous service availability
On-Premises Deployment
- Support mainstream databases and enterprise deployment environments
- Maintain full control of systems, policies, and risk data
- Integrate seamlessly with existing business systems and infrastructure
- Meet data security, internal control, and regulatory compliance requirements
Your Partner in Digital Trust and Security
Expertise That Moves Authentication Forward
Bring together deep financial services experience, FIDO expertise, and payment security knowledge to build an authentication architecture that grows with your business.
01
Financial Institution Experience
Extensive experience serving banks, payment providers, and digital finance.
02
FIDO & Online Payments Expertise
Expertise across FIDO, EMV 3DS, device intelligence, and payment security.
03
Regional Deployment & Support
Regional coverage and local teams for smooth deployment wherever you are.
04
Evolving Authentication Technology
Support for UAF, FIDO2, Passkeys, and emerging authentication needs.