Frictionless 3DS

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

Reduce Friction

Minimize
3DS Step-Ups

Say goodbye to frustrating step-up prompts.

Ideem’s ZeroTrust Secure Module (ZSM) turns the device into a FIDO2 authenticator. This can be leveraged as a Delegated Authenticator or as a seamless Step Up method.

Reduce friction for customers
Maintain high security with device-level authentication
Increase approval rates across issuers
Build Trust

Issuer-Trusted Device Recognition

Build issuer confidence, reduce false declines.

Ideem’s ZSM delivers 100% confidence in trusted devices through cryptographic device binding. No need for big models that use device fingerprinting to guess if it is the same device.

Strengthen issuer trust at the point of transaction
Leverage perfectly stable and deterministic device ID
Improve authorization rates globally
Increase Conversion

Better Conversion, 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.