Honey Badger

Silent

Authentication

Passwordless Authentication | Powered by Mobile Networks 

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Created in partnership

> Introducing Silent Authentication+

Passwordless, Frictionless & Secure

Authenticate users silently by leveraging the same system mobile networks use to secure phone calls and data sessions.

Authentication Requested

Honey Badger prompts the mobile network to send a random number to the user’s SIM.

Token Generation

Both the user’s device and the mobile network use a cryptographic hash to generate a token.

Token Comparison

Honey Badger coordinates with the user’s device and the mobile network to compare the tokens.

Authentication Result

If the tokens match then the user is in possession of their two factor device and is authenticated.

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Under the hood

Authenticate users within a few seconds

Authentication time with SMS OTP, authenticator apps and other legacy methods

40 seconds

Authentication time with
Silent Authentication+

2-5 seconds

No passwords for users to type in or for bad actors to intercept.

No third party mobile app required. Trigger Silent Authentication+ from any device, in your mobile apps or on the web.

No delays or friction when authenticating users.

> Frictionless Authentication

Remove authentication as a barrier

Create seamless authentication experiences like this 👇🏼

But don’t stop there. 

Use Silent Authentication+ for 👇🏼

Passwordless Logins
Authenticating Payments
Securing Account Recovery
Replacing Authenticator Apps
Alternative to SMS OTP
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> The plus in Silent Authentication

In-built fraud prevention by design

We’ve put the plus in Silent Authentication by incorporating additional fraud prevention checks. When setting up Silent Authentication simply select the fraud checks you’d like to include before user authentication begins. If a fraud check fails then authentication will be paused, protecting you from bad actors.

SIM swap detection

Check a mobile number for recent SIM swaps, a common attack vector used to facilitate account takeover.

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KYC verification

Perform identity verification by comparing firstname, lastname, postcode or date of birth with the data held on file by mobile network operators.

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Device overseas

Check if a mobile device is currently overseas, an indicator that the person your dealing with is masquerading as a local.

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Call forwarding

Check if a mobile number is forwarding all traffic on to a different number, a common tactic used by fraudsters.

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Premium number

Check if a mobile number is a high rate premium number, a common tactic used by fraudsters to generate revenue.

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Public reputation

Check if a mobile number has been reported by members of the public for malicious or suspicious activity.

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Consortium lookup

Check if a mobile number is on Honey Badger’s database of fraudulent numbers, reported by over 35 consortium members.

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Ofcom DNO

Check if a mobile number is on Ofcom’s Do Not Originate list, which contains blocked and reserved numbers.

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> Getting Started

Out with the old, in with the new, we’ve got Silent Authentication+ libraries just for you

Using Silent Authentication+ in your apps and services is easy with our purpose built libraries. You can authenticate users with a single API call, take care of handover from desktop to mobile, and configure any additional fraud checks.

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Silent Authentication+ API Postman Collection

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Silent Authentication+ JavaScript SDK

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Silent Authentication+ iOS SDK

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Silent Authentication+ Android SDK

> Contact

Speak with a Silent Authentication+ expert

Honey Badger helps companies operate by reducing and mitigating risk. Speak with an expert to discover how Silent Authentication+ can work for you.

Drop us a message and we’ll be in touch right away.

> Resources

Find more resources on Silent Authentication+ and other Honey Badger solutions

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Account Servicing

Stop fraud and improve customer experience during account servicing by eliminating SMS One Time Passwords (OTP). Instead, leverage phone based SIM authentication which involves comparing data generated by the Mobile Network Operator (MNO) with mobile device session data. This provides a foolproof way of proving that an individual is in possession of their two-factor device.

Benefits

This new approach to authentication isn’t susceptible to SIM swap attacks and doesn’t require the user to enter a password. Ultimately, account takeover attacks are blocked, while customer experience is improved and the time taken to service a request us reduced.

Made for

 LENDERS   ONBOARDING   AUTHENTICATION 

Get started via

 EMBEDDABLE WIDGET   API 

Pricing

 PAY PER AUTHENTICATION 

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Contact Data Cleaning

Contact Data Cleansing verifies that the contact and personal information you hold isn’t out of date or inaccurate. Data is compared against the information held on file by Mobile Network Operators (MNOs). Whether processing a single record or sanitising thousands of records in batch, you’ll quickly identify bad data.

Benefits

The case for maintaining up-to-date records goes way beyond good practice for compliance and regulatory reasons. It’s critical to ensuring customers are contactable. Furthermore, it reduces security threats by ensuring communications aren’t sent to the incorrect individuals.

Made for

 LENDERS   FINTECH  KYC 

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER RECORD CHECK 

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SIM Swap Detection

SIM Swap Detection is a critical step in stopping account takeover. Why? Because account takeover attacks commonly exploit the ease of which a phone number can be stolen by simply assigning it to a new SIM. This allows bad actors to intercept communications, such as SMS one-time-passwords (OTP), which are used by 93% of enterprises worldwide to verify customers.

Benefits

SIM Swap Detection instantly and silently checks the history of a SIM card to see when it was last swapped. Recent swaps indicate high risk of fraud, allowing you to take appropriate action, such as failing verification or requesting additional security procedures are followed.

Made for

 FRAUD PREVENTION

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER SIM SWAP CHECK 

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Social Trace

Social Trace significantly reduces the risk of losing contact with your customers by diversifying communication channels. Simply drop the Social Trace widget into your onboarding workflow and allow customers to connect one or more social channels with just a click.

Benefits

Lenders who capture social channels are significantly less likely to lose contact with their customers. Why? Because different demographics prefer to engage over different channels. This is particularly important when it comes to collections. Initiating contact over different channels increases your chances of getting a response, which in turn increases the likelihood of resolving late or non payment. 

Made for

 LENDERS   ONBOARDING   COLLECTIONS

Get started via

 EMBEDDABLE WIDGET 

Pricing

 MONTHLY FEE 

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Mobile Fraud Check

Mobile Fraud Check allow you detect fraud indicators using data provided by Mobile Network Operators (MNOs). Key checks include device overseas, call forwarding, SIM swap, a high risk number database lookup and much more.

Furthermore, Mobile Fraud KYC allows you to verify a person’s firstname, lastname, date of birth and postcode against the data held on file by MNOs. Since MNOs conduct their own KYC checks on new customers, it gives you the ability to match personal information you collect against a trusted and verified source.

Benefits

Mobile Fraud Checks happen instantly and with zero customer friction. The data held by MNOs is often more recent and reliable than other data sources and a level of granularity is provided,  allowing you to see how many and which KYC fields matched.

Made for

 LENDERS   ONBOARDING   FINTECH  RISK ANALYSIS

Get started via

 WEB INTERFACE   API 

Pricing

 PAY PER LOOKUP 

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Mobile Data for Credit Risk

Mobile Data for Credit Risk delivers the data required to predict credit risk based on a persons mobile phone information. Key data attributes include the network provider, line type, and KYC match information. Working in partnership with lenders we’ve been able to clearly identify correlations between this data and the likelihood of a loan going into arrears.

Benefits

Open Banking Vs Mobile Data. Which is the most effective in predicting bad borrowers? A recent project with a UK lender compared a risk model built with Open Banking against a model built with Honey Badger’s Mobile Data. The results showed that both models outputted almost identical risk scores. The difference? Mobile Data could be deployed immediately with no customer friction required to calculate a risk score.

Made for

 LENDERS   ONBOARDING  RISK

Get started via

 EMBEDDABLE WIDGET   WEB INTERFACE   API 

Pricing

 PAY PER LOOKUP 

Request a demo

Geo Authentication

Geo Authentication™ provides frictionless identity verification that reduces abandonment rates. Users simply select images that they recognise from nearby to their address. In built anti-fraud controls ensure that valid users can complete the challenge whilst bad actors are blocked.

Benefits

Leading lenders such as Amplifi Capital use Geo Authentication during applications as an alternative to more intrusive identity verification checks, such as document uploads, that cause high friction and lead to increased dropouts. Completion rates with Geo Authentication are 28% higher and have subsequently helped drive an increase in revenue for the business.

Made for

 LENDERS   ONBOARDING   ACCOUNT RECOVERY 

Get started via

 EMBEDDABLE WIDGET   WEB INTERFACE   API 

Pricing

 PAY PER AUTHENTICATION CHECK 

Request a demo