Credentials without the customer
A password or OTP can be stolen or phished; neither proves the person acting is the account holder.
Account takeover fraud rarely strikes at onboarding — it strikes afterward, when someone tries to change registered details or move funds. A fresh biometric check before those sensitive actions confirms the person making the change is still the verified account holder.
By the time most fraud teams notice, the credentials were never the weak point — the missing check was.
A password or OTP can be stolen or phished; neither proves the person acting is the account holder.
Updating a registered phone number, address or bank account often needs no more than the credentials already compromised.
Once inside an account, a fraudster can move funds before anyone notices anything is wrong.
Fraudsters sometimes bypass technical controls entirely by convincing call center staff to make the change instead.
Most verification happens once, at onboarding, and never again.
Mxface adds a fresh face verification step before sensitive actions — changing registered details, adding a payee, or moving a large sum — confirming the person is still the enrolled account holder.
Trigger a face verification step before a registered detail change or high-value transaction is completed.
Confirm a live person is completing the action, not a stolen credential used remotely.
Compare the captured face against the account holder's original enrolled reference face.
Where relevant, check the captured face against other enrolled accounts to flag unusual patterns.
This step only appears when the action actually warrants it — not on every login.
A customer attempts to change details or move a large sum.
The app or online banking session requests a fresh face capture.
The system confirms a live person is present.
The captured face is compared against the original enrolled reference.
The match result is returned to the banking platform.
The change or transaction proceeds only after a confirmed match.
Four checks, all triggered at the moment credentials alone stop being enough.
Re-verify the account holder before a sensitive action is completed.
Confirm a live person is completing the action in real time.
Compare the fresh capture against the original enrolled reference face.
Flag unusual patterns by checking against other enrolled accounts where relevant.
None of it adds friction to a customer's day-to-day banking — only to the moments that matter most.
Mxface connects to online banking, mobile banking and core systems, adding a re-verification trigger to specific sensitive actions rather than every login.
Talk to Mxface about adding a re-verification step to your highest-risk account actions.
Talk to Mxface →