FinTech
Behavioural signals, a no-code rules engine and passkeys covering both account access and sensitive in-app actions.
The challenge
FinTech teams ship fast and often build authentication once, early, then discover that fraud patterns move faster than their release cycle for identity code. A rule that made sense at launch can become a liability within months as attackers adapt, and every change to who gets challenged and when has traditionally meant an engineering ticket.
At the same time, these products are expected to feel modern — fast onboarding, minimal friction, passkey support — while carrying real financial risk on sensitive actions like transfers, limit changes and new payee additions. Balancing both without a large in-house identity team is the recurring constraint.
Key use cases
Unified authentication across methods
Passkeys, TOTP, push, email and SMS sit behind one API and one rules engine, so the product team is not maintaining separate integrations for each factor and can introduce new methods, such as passkeys, without reworking the underlying flow.
Behavioural and contextual rules
Signals such as device, location and access pattern feed a no-code rules engine that fraud or risk teams can adjust directly, tightening or loosening assurance requirements as new fraud patterns emerge without waiting for a release.
Login anomaly detection
Adaptive MFA is applied automatically when a login deviates from a user's established pattern, giving the product a proactive response to anomalies rather than relying solely on static rules set once at launch.
Session hijacking mitigation
Adaptive policies and session management controls reduce the risk that a hijacked or replayed session can be used to carry out sensitive actions, applying responsive checks to active sessions rather than only at initial login.
Fast, compliant onboarding
Passkeys and adaptive MFA are introduced at sign-up to improve completion rates while establishing strong authentication from the outset, which matters for FinTechs operating under regulatory expectations around customer verification.
Core capabilities
Single API across methods
Passkeys, TOTP, push, email and SMS are managed through one integration rather than several parallel builds.
No-code rules engine
Risk and fraud teams change authentication policy directly, without an application release.
Session management
Lifecycle controls for authenticated sessions across web, mobile and API clients using signed tokens.
Login anomaly detection
Deviations from a user's typical access pattern trigger adaptive challenges automatically.
Audit trail
Every access event and sensitive action carries a record usable for compliance and incident review.
Tightening a rule after a fraud pattern appears
A pattern of account takeovers on newly registered devices emerges over a short period, concentrated on accounts opened within the previous week. Rather than filing an engineering request and waiting for the next release, the fraud team opens the rules engine and raises the assurance requirement for that specific condition — new device paired with a recently created account — to require a passkey or push challenge. They monitor the effect on both fraud attempts and legitimate sign-up conversion over the following days, and adjust the rule's sensitivity based on what they observe, all without an engineering release or a change to the underlying application code.
- 1Fraud team identifies a pattern tied to new devices on new accounts
- 2Rule updated directly in the rules engine to require step-up
- 3Impact monitored and rule sensitivity adjusted accordingly
Expected outcomes
- Authentication policy adjusted in response to fraud patterns without a release cycle
- Consistent handling of access and sensitive in-app actions
- Reduced exposure from hijacked or replayed sessions
- Faster, passkey-enabled onboarding for new customers
- An audit trail supporting compliance and incident review
How CyberLane helps
CyberLane advises FinTech teams on structuring the rules engine and session controls so that fraud and risk teams can respond to emerging patterns without depending on engineering capacity. We help define the initial rule set, session lifecycle approach and onboarding flow, build the business case for the change, and plan a proof of concept before coordinating implementation with Authsignal or a qualified delivery partner.
- Rules engine and policy structure aligned to fraud and product ownership
- Session management design across web, mobile and API clients
- Onboarding flow review for passkey and MFA adoption
- Business case and proof-of-concept plan
- Implementation oversight coordinated with Authsignal
CyberLane is independent and works on the decision rather than the deployment. Product-specific delivery is coordinated with the vendor or a qualified implementation partner.
Official vendor sources
- Authsignal — FinTech
- Authsignal — Login anomaly detection
- Authsignal — Session hijacking risks
- Authsignal — User onboarding & sign-up
Capability descriptions are based on the vendor's published materials; CyberLane's wording is independently written.
Evaluating Authsignal for FinTech?
We start with an independent conversation about where your exposure actually sits, before any technology decision is made.