Revolutionize Digital Payment Authentication with Wibmo Intelligent Authentication Suite

A future-ready, RBI-compliant platform designed to secure and streamline authentication across banking and fintech ecosystems.

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What is Wibmo Intelligent Authentication Suite?

The Wibmo Intelligent Authentication Suite is a comprehensive, modular solution built to meet RBI’s multi-factor authentication guidelines for digital payments. It empowers banks with secure, interoperable, and dynamic authentication mechanisms across domestic and international transactions.

Multi-Factor Authentication

Supports biometrics, passkeys, OTP, TOTP, and software tokens.

Risk-Based Authentication

Uses behavioral and contextual signals for intelligent decision-making.

Cross-Border Compatibility

Built on existing Bank ACS infrastructure for minimal implementation effort.

No-Code Integration

Seamlessly connects with bank switches over ISO rails.

Core Solutions

A concise overview of how the suite secures every journey end‑to‑end—modern, standards‑aligned MFA that plugs in quickly, scales reliably, and keeps checkout moving.

Biometric & Local Auth

Fingerprint, Face ID, PIN, and device-native methods.

Dynamic Factors

OTPs, tokens, and passkeys generated per transaction.

Phishing-Proof Payments

FIDO-compliant and resistant to fraud.

Authentication Orchestrator

Routes users to the best available method.

Step-Up Authentication

Triggered by risk-based assessments.

Merchant Whitelisting & User Hotlisting

For enhanced control and flexibility.

Smart Orchestration Engine & Bank In-App Authentication

Smart Orchestration

Bank In-App Authentication

Global & Domestic Success

Proof it works in the real world—consistent results across domestic and cross‑border scenarios, with faster completion and a smoother experience.

Seamless Biometric Authentication for Domestic Payments

Verified identity via device biometrics.
Payments completed in under 10 seconds.

Smart Authentication for Cross-Border Transactions

Supports non-3DS AFA via Bank ACS.
Compliant with October 2026 RBI mandate for international card-not-present transactions.

Why Choose Wibmo Intelligent Authentication Suite?

A future‑ready platform that blends user‑friendly flows with regulatory alignment and deep analytics—built to perform today and adapt tomorrow. Wibmo’s solution is fully aligned with RBI’s 2026 guidelines and the Digital Personal Data Protection Act 2023, offering:

Universal Authentication

OTP-free, extendible across UPI, Net Banking, wallets, and BNPL.

Regulatory Compliance

Built on global standards like FIDO2 and 3DS.

Faster Checkout

<10s authentication time, reducing drop-offs and improving user experience.

Deployment Models

Choose the fit for your environment—hosted, on‑premise, or cloud—each designed for quick rollout, security, and operational control.

Hosted Solution

Managed by Wibmo’s secure infrastructure.

On-Premise Solution

For banks with specific regulatory needs.

Cloud-Hosted Solution

Flexible deployment on AWS, Azure, or private clouds.