Cloud platform to secure onboarding and access to digital banking services

Thales Gemalto IdCloud 

We help banks take advantage of their ongoing digital transformation by ensuring customer trust and regulatory compliance. Our solutions protect digital banking customers from external attacks whatever device they are using, and guarantee an ideal balance between a user-friendly, and secure online experience. 

Gemalto IdCloud is a suite of cloud-based managed services that enable financial institutions (FI) to combine identity proofing, strong customer authentication (SCA) and risk management to secure onboarding and access to digital banking services and enhance the customer journey. With one single platform. 

Secure and enhance the customer journey 

For a fully digital onboarding of new customers, which adheres to stringent know your customer (KYC) regulations, you need identity proofing services such as document verification, face recognition and anti-money laundering checks (AMLs). 

For recurring access to your digital banking services you need strong customer authentication (SCA) and the ability to digitally sign transactions, as well as end-to-end encryption of the sensitive data exchanged between users and the FI. 

With these services you can provide secure onboarding and access to all your digital banking services. And by adding risk management you can enhance the customer journey. 

Enhanced onboarding with identity affirmation

By adding identity affirmation you can strengthen the security of your identity proofing process. Identity affirmation applies risk management technologies to analyse the environment and user behaviour in order to detect suspicious activities. Its goal is to prevent ID fraud during digital onboarding, but it can also lower total cost of ownership by avoiding additional checks and abandoning high-risk enrolments at an early stage. 

Read more about our digital onboarding services 

Enhanced access with risk-based authentication

By adding smart risk management services to the access phase, the risk level of every single customer transaction is analysed and a recommendation on the most appropriate authentication method is given. This helps to make the right choice to minimise risk and prevent account takeover fraud: allow the transaction, block the transaction or challenge the customer with a step-up authentication. In this way FIs can define a risk-based authentication (RBA) policy based on customer segmentation, customer preference, use cases and their own parameters. All running unobtrusively in the background to provide the best end-user experience. 

Read more about our digital banking access services 

One platform to secure the digital banking journey

The beauty of Gemalto IdCloud is that all the services you need for your full customer journey are available on one cloud-based platform. 

As your needs and customer use cases evolve, we ensure that you will always benefit from the latest identity proofing, authentication, risk management and mobile security technologies available on the market. 

Securing and enhancing your digital banking customer journey has never been easier. 

Read more about our fraud risk management services

Smooth integration and compliance

Our Gemalto IdCloud platform is certified with SOC2 and ISO27001 to meet critical security and compliance requirements.

With a single platform approach, the audit and compliance process is simplified with support for the latest privacy and security regulations, such as GDPR, CCPA, PSD2, and FFIEC.

Cloud services bring tangible benefits to financial institutions

Moving to the cloud is critical for financial institutions looking to develop new services and speed up their time to market. Cloud is not the future or an emerging trend anymore: it is the present and it constitutes a critical tool for FIs to stay competitive in today’s challenging business environment. 

The regulations are no longer a block on moving to the cloud. On the contrary, most of them are well in line with a cloud strategy and even encourage it. 

Moving to the cloud is part of the digitalisation strategy of many FIs, bringing benefits such as: 

• Faster time to market: by enabling FIs to concentrate their efforts on bringing new and innovative services to the market, and allowing them to release them much faster 
• Lower costs: by significantly reducing hardware, facilities and labour/maintenance costs 
• Better service operations: by delivering scalability to manage growing/changing workloads and spikes in demand, a high availability guarantee and a much simpler IT infrastructure management. 

More resources on secure digital banking services

•    Thales Gemalto IdCloud for Onboarding
•    Thales Gemalto IdCloud for Access
•    Risk management services with Gemalto IdCloud 
•    Know your customer in banking