Uniken
Turning Intruder Detection Probabilities into Certainty

Multi-factor authentication (MFA) usually revolves around security personnel using a probabilistic approach to identify whether a user seeking access to sensitive information is qualified. Even so, this approach breeds uncertainty as digital-era intruders are often equipped with novel avenues to breach security.

Shifting this paradigm is Uniken. Through its deterministic and user-friendly MFA model, Uniken offers businesses and their customers the highly sought-after certainty in identity and security.

The company’s state-of-the-art REL-ID platform ensures every device sign-in and first-time enrollment occurs on an untampered network connection and secure application. Instead of exclusively addressing perpetual compliance, fraud and customer service issues as one-offs, it solves the broader security, identity and authentication problems holistically and reshapes customer interaction and experiences, allowing clients to capitalize on newer growth opportunities.

REL-ID is built with unphishable credentials - the user doesn’t know them, can’t divulge them and can’t be coaxed to inadvertently give access to retrieve them. Unlike point solutions that address one use case at a time, its platform covers all aspects of a customer’s journey, from rapid onboarding and e-KYC to setting up MFA and digital transaction features. The platform is also SCA-compliant for those jurisdictions that require it.

“REL-ID unifies multiple components into one, easy-to-use piece of technology that boosts ROI, as it is more cost-efficient than implementing multiple solutions for different problems,” says Bimal Gandhi, CEO of Uniken.

Instant Protection from Incoming Malware

Whenever a user downloads the REL-ID integrated application, it triggers a mobile scan to ensure the device is virus-free without disrupting user privacy, and then a full digital onboarding is conducted. Over the next 90 seconds, the user scans their government document and takes a selfie – which is a video file that captures the best image in a video file format for liveness detection. Once the user completes formal onboarding, the data can be transmitted for further E-KYC checks while REL-ID binds their device with a private key pair for 100 percent certainty. This process must only be completed the first time a user logs into the application.

When the enterprise desires to deploy a facial recognition system, Uniken ensures all facial biometric images are stored on the server in a mathematical template for the highest level of assurance. It can also enroll on-device biometrics for compatible devices for those instances when that is all that is needed. These server-side facial biometric templates enable users to easily update their details or re-enroll if a device is lost, stolen, or replaced with full certainty for the organization with minimal friction.

Safeguarding End-to-End Customer Experiences

Delivering authentic customer experiences and service consistency, REL-ID’s robust security implementation is invisible to users and continuously runs in the background. Yet, it allows customer support representatives and relationship managers to verify users with the push of a button.

Any time a client needs authentication, transaction verification or cryptographic signature, a simple verification message is sent for one-click approvals using a dedicated private key that works as proof in nonrepudiation cases. This streamlined customer experience unlocks new engagement prospects with certainty and zero risk.

Any endpoint threat to the platform further protects a business’ API from brute force attacks, detects risks when connecting to unknown and malicious networks and rejects untrusted connection attempts. These capabilities eliminate the largest threats and bring fraud to zero.

The New Generation Finance Authentication Technology

It is no big secret that transacting thousands of dollars online, via email or text, despite the growing security-driven permissions, brings exposure. Tackling this risk head-on, Uniken enables users to accomplish large transactions within seconds while following set regulatory compliance. A push notification easily navigates them to a digital signing page, where step-up authentication utilizing a cryptographic key pair secures the high-risk transactions with certainty.

REL-ID unifies multiple components into one, easy-to-use piece of technology that boosts ROI, as it is more costefficient than implementing multiple solutions for different problems

With Uniken’s new palm vein authentication, client identities can be verified in seconds with contactless authentications at the highest level of biometric accuracy and security for all in-person transactions. Through a simple tablet, desktop scanner or modified phone with a sensor, REL-ID scans the veins inside a user’s palm for a powerful and dynamic authentication that creates limitless service possibilities and unique transaction experiences. Uniken partners with several software and technology companies like Temenos, Infosys Finacle and NTT Data to distribute this innovation across emerging and developed finance authentication markets. Other phenomenal partnerships include companies from the evolving payment industry, which are transforming how retail, government and healthcare businesses acquire financial digital IDs and perform e-KYC checks. Imagine a world where you don’t need your phone and can identify yourself with your palm. Uniken does make it as simple – your identity is in your hands – be it your phone with REL-ID and now with the veins inside your palm.

An Exemplary Success of Improved Security and Experiences

A noteworthy example of Uniken’s competency is the story of a leading Asia-based bank. Before their product launch, this client wanted to balance powerful security and smooth customer experiences. With their need in mind, Uniken analyzed the client’s digital vulnerabilities location-wise, discovered many compromised devices, and cautioned them about going live. Despite this precaution, the client went live, and the percentage of compromised devices in the customer base surprised them. Most fraud and experience issues came from unprotected websites, corrupted mobile games and malware-infected second-hand devices, which had to be tackled differently.

To mitigate this demand, the bank sought a modular version of Uniken’s banking platform with a rapid implementation of endpoint threat defense, REL-ID and biometric authentication to secure their application before a customer signs up. From the first use of this banking platform, their compliance team saw REL-ID identify 30 percent of their customers’ devices that were driving fraud rates. The resulting corrective actions increased operational efficiency and business profitability, which motivated them to implement this offering in the rest of their infrastructure and across all business chains. Today, they are among the safest and best-performing banks known for delivering powerful customer experiences without friction.

Such achievements continue to fortify Uniken’s global presence across Asia, Africa and Latin America, helping diverse businesses of all sizes optimize their security and identity infrastructures with a pioneering and industry-agnostic MFA solution.