Smart User Authentication | XTN Cognitive Security


Combine behavioral biometrics with multi-factor authentication (MFA) to provide a frictionless step-up authentication procedure.

For user authentication to be reliable, the environment in which it occurs should be protected.  SA® (Smart Authentication) functionality within the Cognitive Security Platform® combines Behavioral Passive Biometrics features with Multi-Factor Authentication (MFA) to deliver a frictionless step-up authentication procedure that guarantees high-security levels, PSD2 compliance, and a fluid user experience.

Multi-layers and Behavioral-based validation

The XTN Cognitive Security Platform® aims to deliver a robust security layer for digital identity validation while maintaining a frictionless user experience. This is achieved through the use of behavioral biometrics and a multi-layered approach for checking the identity by evaluating the trustworthiness of the device being used (endpoint trust) and checking for cryptographic information. The user’s behavior is monitored to detect unusual or suspicious activity.

Frictionless Experience

Behavioral Biometrics lets us increase users’ security without introducing friction or requiring dedicated hardware, making it easily integrated with the client’s fraud prevention systems.

User Recognition

Users’ recognition occurs via activities related to the device and how the user interacts with it.
Here is the signals type:

  • Device-focused behavioral signals track how the user physically interacts with the digital service and the device ( typing, mouse usage, handling, gait, velocity analysis, and device characteristics);
  • Contextual anomaly signals characterizing the environment in which the user usually operates (geo-location, Bluetooth, or WiFi);
  • Service-related behavioral signals describe the user’s habits in accessing the application (usual payment transaction amount, transactions timing, most used functionality, etc.).


User friendly in identity proofing

User Friendly

Smoothest user experience for the end-user and best security and compliance level for the business.

Flexibility in identity proofing


Most advanced and smart risk-based authentication tool able to integrate with other existing systems.

In-app protection real time alerts

Real-time control

Real-time monitoring of risk related to using mobile devices as strong authentication tools.

In-app protection malware detection

Effective threat

Pre-emptive threat detection is automatically running while you focus on your business.

Identity proofing banking regulations

Banking regulations

Applies PSD2 compliance requirements to highly secure customer authentication.


Behavioral Biometrics

SA® technology uses behavioral passive biometrics to make ongoing user identity decisions, assessing various signals in real-time.

Dynamically linked SCA

Every authentication is closely linked to the data entered by the user. SA® is compliant with PSD2 requirements

Data channel based

The user doesn’t need to enter the OTP code manually. Whenever possible, the app authenticates him via the data network.

Rest API for flexible integration

Provisioning, verification, and revoking easy through a complete set of APIs.

Device invisible authentication

Invisible authentication tokens running on every server interaction silently gather the data needed, relieving the user from entering data.

Multiple tokens support

SA® supports multiple software tokens per device.

Support for active biometrics

Unlock your software token using fingerprint or face recognition.

Support for active biometrics

Unlock your software token using fingerprint or face recognition.


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Cognitive Security Platform®

Omnichannel and behavioral-based antifraud platform