Security that makes people feel good

The AllClear ID platform adapts to the user’s context and preference and delivers the right authentication for the right action at the right time
AllClear Authenticate platform is designed to increase usage and adoption of banking services by offering frictionless and uniform access to all channels.
Increase Revenue
AllClear Authenticate drives adoption of services and increases top line revenue.
Increased Security
AllClear Authenticate provides lower cost and increased security.
Invest in the Future
Increase ROI and invest for the future with AllClear Authenticate.

One Platform. Many Solutions

AllClear Authenticate is built for consumer scale and can be used across all channels, applications and verticals.

Retail Banking

  • Omni channel access to digital banking services
  • Increased service adoption and lower cost
  • Quantum leap in security compared to password and SMS

Corporate banking

  • Increase usability of banking services and reduce fraud
  • Secure any type of transaction with the same platform
  • Save cost by moving away from hardware-based security


  • AllClear ID can scale to all devices and is not dependent on secure hardware
  • Enables appropriate level of authentication to specific transactions

Other Industries

  • Enterprise – frictionless access to enterprise applications can support millions of users
  • Identity Providers (IdP) – develop differentiated ID services at high speed
  • Healthcare – advanced security features to protect patient health and safety
AllClear Authenticate Features
AllClear Authenticate is a highly customizable, adaptive and risk-based platform that meets the needs of highly-scalable connected digital services.
Convenience & Usability
With multiple devices per user and multiple users per device, the platform meets the needs of today’s multiple device users and the trend of sharing devices.
The authentication protocol is part of AllClear’s security concept, built around three security pillars; Defend, Detect and React.
Scales to millions of users rather than thousands. The platform can scale to all devices and is not hardware dependent.
Omni channel support
Supports omni channel authentication including online, mobile, IVR, in-branch and telephone call-centers.
Risk & Policy Based
Match business and risk rules through an interface into an organizations existing risk management solution.
Context & Process Driven
Context engine and risk-based authentication allows organizations to apply appropriate levels of authentication to services. This offers strong protection against attacks.
Support for Multiple Factors
Vary and combine authentication factors based on the risk involved for specific activity for specific user at specific time. AllClear Authenticate supports Apple Touch ID and Samsung fingerprint biometric authentication systems.
Simple integration
Solution is designed to add authentication to your infrastructure, not add authentication infrastructure. Simply ‘drop-in’ AllClear Authenticate and quickly get users provisioned and connected to existing services.
Easy to Provision from cloud
Allows users to enroll themselves in the system and choose authentication method based on selection provided, and provides a self-service interface for identity management functions.

Functional Overview

  • Device authentication
  • Multi-factor authentication
  • Mobile biometrics
  • Step-up / step-down
  • Feature-phone support
  • Mobile soft token
  • Offline support
  • Mobile OoB authentication
  • E- signatures (PKI)
  • Transaction verification
  • Context engine
  • Accurate Geo-location

Technical Overview

  • Fully Omni channel
  • Highly scalable and extensible
  • High availability
  • Flexible integration options
  • Client side: App, Hybrid and SDK
  • Device agnostic
  • Audit and reporting
  • Online developer toolkit
  • Multiple devices per user
  • Multiple users per device
  • Multiple authentication methods per device
  • Multi-brand / multi-bank / multi-tenant
  • Supports user self-service

Ready to add AllClear Authenticate to your infrastructure?

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Business Benefits
Increased take-up and adoption
Increased take-up and adoption of banking services in most efficient banking channels.
Anti-malware and Security Service
The anti-malware and device security service allows for full eCommerce and banking services to be delivered to smart mobile devices.
Cost benefits
The AllClear Authenticate platform would be 97.5 percent cheaper than a hardware-based OTP solution and 25 percent cheaper than a mobile-based soft token solution.
Built for the Future
Not locked in to a single authentication factor – constantly adapts and built for the future. Encap has already added support for TouchID and Samsung biometrics and others can be added as desired, needed, or as they reach maturity.
Easy to customize and integrate with existing infrastructure including Identity and Access Management services (IAM).
Internet Scale
Designed for internet rather than enterprise scale – can support millions of users.
Omni channel Support
Supports an omni channel user experience – one device can become the authenticator for a range of digital channels.
Lower cost and higher security
Lower cost and higher security vs. other strong authentication platforms – includes no hardware costs as harnesses built-in smart mobile device capabilities.
Ability to provide PKI-based eSignatures, this allows for electronic document signature and workflow optimization.