Frictionless 3DS

Streamline your card payment flows with device-bound, issuer-trusted authentication. Replace clunky OTPs and app redirects with invisible security — reduce drop-offs, increase approval rates, all while enhancing customer experience.

Use Case 1

Minimize
Friction for 3DS Step Ups

Say goodbye to frustrating step-up challenges.

Ideem’s ZeroTrust Secure Module (ZSM) turns the device into a FIDO2 authenticator. This can be leveraged as an invisible step up when a challenge is required.

No user action required when a step up is issued
100% coverage on 100% of devices
Reduce cost of OTPs, while increasing revenues
Use Case 2

Avoid 3DS with Delegated Authentication

Build issuer confidence, reduce false declines.

Ideem’s ZSM sends a FIDO2 compatible signature with the payment transaction using the existing card schemes. The issuing bank then verifies the device with the public key. Avoiding the need for a step up.

Preemptive 2FA provides device ID at time of transaction
Zero user effort or friction
Improve acceptance rates globally
Increase Conversion

Better Acceptance, Less Abandonment

Fewer interruptions, more completed payments.

When you eliminate high friction step-ups, you keep customers moving, and revenue flowing.

Accelerate checkout completion
Lower cart abandonment at payment stage
Deliver a consistent experience across channels

Frequently Asked Questions

What platforms do you support?

Finen works with all major banks and financial institutions for seamless integration.

Can I track my investments with Finen?

Yes, Finen provides a unified view of your investments alongside your bank accounts.

Is my financial data safe with Finen?

Absolutely. Finen uses industry-leading encryption to ensure the safety of your financial data.

Does Finen offer budgeting tools?

Absolutely. Finen uses industry-leading encryption to ensure the safety of your financial data.

Can I set savings goals with Finen?

Absolutely. Finen uses industry-leading encryption to ensure the safety of your financial data.

NextGen 2FA is ready, are you?

Seamless, secure, and invisible - experience authentication that moves at the speed of your users.