Digital BankingTransformed Banking Delivery.Credentis TransformsBanking Authorization.

A separate authorization framework for protected digital banking actions.

Digital Banking Channels

Mobile BankingInternet BankingOther Channels

Bank

Protected Banking Action

Amount
Beneficiary
Transaction Details
Channel

Credentis Authorization Environment

Transaction Context

Customer / Mobile Identity

Live Authorization InteractionMT-USSD over GSM

Customer Response

Bank Receives

Authorization Outcome+Structured Evidence

Digital Banking Has Grown Rapidly

More customers. More transactions. More responsibility.

Mobile Banking Users

9.86M 27.12M

Q3 FY21 → Q2 FY26

Internet Banking Users

4.98M 15.68M

Q3 FY21 → Q2 FY26

Mobile Banking App Transactions

6.2B+

FY25

Internet Banking Transactions

297M

FY25

More banking authority is moving through digital channels.

Authorization must keep pace.Source: State Bank of Pakistan — Payment Systems Reviews

The Threat Landscape

Attackers use many ways. Most rely on Social Engineering.

Approval Secret Exposure

OTP Theft
OTP Forwarding
OTP Relay
FPIN Capture
TPIN Capture

Device Compromise

Malware (SMS/Notification)
Keylogging
Accessibility Abuse
Unsafe / Rooted Device

Screen & Session Manipulation

Fake Banking Screens
Overlay Attacks
Screen Sharing
Remote Access

Transaction Manipulation

Fraudster-Guided Approval
Transaction Tampering
Beneficiary Manipulation
Replay / Duplicate Responses

Social Engineering Scams

Phishing Calls
Fake Bank Representatives
Deception & Urgency
Guided Fraud Scenarios

A captured approval input should not be enough to authorize a protected banking action.

Stronger Authorization.
Zero-Secret.

No OTPs or PINs as the basis of approval.
Customer proves identity, intent and context.
Separate process. Live response. Exact transaction.
Authorization event plus structured evidence.

Compromise Does Not Equal Authorization

OTP Compromise

OTP stolen · Forwarded · Relayed

Fake Interface / Input Capture

Fake screens · Overlays · Keylogging

Remote Observation / Control

Remote access · Screen sharing · Device control

Approval PIN Capture

Approval PIN captured

Transaction Manipulation

Transaction tampered · Beneficiary manipulated

Authorization remains tied to the customer, the transaction and the live authorization process.

The Credentis Shift

From fragmented mobile environments to consistent authorization.

Mobile Transaction Environment

A fragmented mobile population across devices, operating systems, versions and security states.

Bank

Digital banking security must accommodate the mobile population.

Devices · OS versions · legacy environments · device security states

Credentis Authorization Environment

Transaction Context

Customer Identity

Live Authorization

Transaction-Bound
Authorization

Consistent authorization across the mobile population.

Bank Receives

Authorization Outcome+Structured Evidence

One authorization environment across a fragmented mobile population.

What Credentis Delivers

Stronger Authorization

Zero-Secret by design. Reduces reliance on OTPs and PINs as approval inputs.

Operational Simplicity

One authorization framework across diverse devices and channels.

Governance Clarity

Defined approval process for protected banking actions.

Better Evidence

Structured records for fraud review, audit, compliance and disputes.

Reclaim GSM

GSM becomes a dedicated authorization layer through MT-USSD.

Designed for Protected Banking Actions

Apply Credentis where explicit customer authorization matters.

Funds Transfer

Authorize the exact amount and beneficiary.

Beneficiary Addition

Authorize creation of a new beneficiary.

Payments

Authorize the exact merchant or payment.

High-Risk Actions

Protect sensitive changes and high-risk actions.

Limit Changes

Authorize new limits or limit changes.

Card Control

Authorize sensitive card actions.

Additional Protected Actions

Use across any action that needs explicit customer approval.