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Encap Secure Customer Authentication

Smart authentication and secure communication for your customer's mobile app
Seamless digital experience
Customers demand quality service across all your service channels. With Encap SCA, you can have a consistent single view of your customer. Transactions can be initiated in any channel and authorized conveniently on the customer’s mobile device
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PSD2 compliant app security
Authentication is the absolute focus of the business, not just a part of it. Build trust with your customers by reducing fraud, improving customer experience and meeting PSD2 SCA compliance. Encap SCA builds personal, frequent and lasting relationships with your customers
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Moneyou, an independent digital banking subsidiary of ABN Amro,
offers mobile banking accounts, payments, loans, mortgages and savings products to
its customers. Moneyou was one of the first European banks with fully digital customer onboarding.
Since 2016 Moneyou has licensed Encap SCA for its high-security mobile banking app,
which won multiple industry awards, including the 2017 award for
Best Customer Identity Project (Identity & Cloud Conference, Munich).

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Make your mobile app the center of digital transformation
The future of business is mobile apps and we’re built for mobile interaction. Your customers love their smartphones and on average use 30 different apps each month. If your app is not on their phone, you risk losing their business. Give your customers the ability to interact entirely on their mobile device. No more friction, context switching, or additional software is needed
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Security
Our security concept is built around three pillars: Defend, Detect and React. This is a patented and proven solution with over 10 years in the market protecting banking and financial transactions. We’re consistently adding new layers of protections and mitigations to protect against the constant changing threat landscape
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Business Benefits
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Increase Adoption
Increase take-up and adoption of your services. Keeping your customers engaged in-app means winning the battle for their attention
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Establish Trust in Untrusted Devices
The integrated security solution hardens your app against attacks, allowing full eCommerce and banking services to be delivered to your customer’s smart devices
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Reduce Cost
Our software-based platform costs 97.5% less than a hardware-based solution and 25% less than a mobile-based soft token solution
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Flexible & Customizable
Easy to customize and integrate with your existing mobile apps and infrastructure, including Identity and Access Management services
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Massive Scale
Deploy banking-grade, highly available App-based authentication for your entire customer base
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Built for the Future
We support all hardware biometric solutions available for iOS and Android. New biometric methods are evaluated and added as they become available
Encap SCA Features
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Omni Channel Support
Supports omni channel authentication including online, mobile, IVR, in-branch and telephone call centers
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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
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Security
The authentication protocol is part of AllClear ID’s security concept, built around three security pillars: Defend, Detect and React
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Risk & Policy Based
Match business and risk rules into your existing risk management solution
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Secure Biometrics
Securely implement leading biometrics and authentication methods to reduce friction and optimize customer experience
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eSignatures
Ability to provide PKI-based eSignatures, this allows for electronic document signature and workflow optimization
Partners
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