Apply the right level of scrutiny to every interaction and channel in real-time. Deliver a seamless experience for trusted customers while reducing fraud.
Authentication is an innately personal interaction that can make or break customer relationships. When identity and fraud signals sit in separate silos, financial organizations are left applying the same blunt controls to everyone, regardless of context. That means:
Even if financial institutions separate authentication and fraud operationally, customers don’t experience them that way. Alloy treats them the same way your customers do: as one continuous experience.
Replace blanket friction with dynamic decisioning. Alloy lets trusted users move forward without unnecessary interruptions while enabling seamless self-remediation.
Bring device, behavioral, network, and other fraud signals into one consistent view across digital and human channels, eliminating siloed decisioning and curating tailored flows for every customer.
Orchestrate and test authentication strategies using third-party signal enrichment without locking your strategy into a single vendor. Learn more about our Testing Suite.
Continuously assess your customers’ risk. Our Fraud Signal machine learning model contextualizes every activity from first touch to latest transaction.
Inconsistent authentication creates friction for customers and openings for fraud. Alloy applies a unified decisioning layer to every touchpoint across the customer lifecycle (from logins to account changes to transactions) and every channel. You get a complete view of every customer interaction, and your customers get a consistent experience no matter how they reach you.
When something doesn't add up, Alloy automatically orchestrates the right step-up response from a range of pre-built integrations that are calibrated to the level of friction the situation warrants.
Everything is accessible through the Alloy SDK.
Alloy sits on top of your existing CIAM, IVR, and downstream systems, extending their capabilities.
Ready to make authentication faster for customers, harder for fraudsters, and easier on your teams?
Risk-based authentication (sometimes abbreviated as RBA) is an approach that dynamically adjusts the level of scrutiny applied to each interaction based on the risk it presents. Rather than applying the same controls to every login or transaction, risk-based authentication evaluates signals — device, behavior, location, and history — to determine how much friction is appropriate. Low-risk interactions move through seamlessly, while higher-risk ones trigger additional verification.
Your CIAM is built to manage credentials and confirm that the person logging in matches what's on file. Alloy assesses whether that interaction should be trusted in the first place. By layering identity, device, and behavioral signals from onboarding and throughout the lifecycle onto your CIAM's credential check, Alloy provides the risk context your CIAM wasn't built to evaluate and triggers step-up when something doesn't add up.
Yes. Alloy isn't a credential manager or an access control system — it's an identity risk layer. It evaluates the identity signals your existing tools don't, then feeds that context back into the workflow, so your CIAM, IVR, and other downstream systems can make smarter decisions. You keep what you have, and Alloy makes it work better.
MFA is a specific verification method that confirms identity using two or more factors, like a password and a one-time code. Risk-based authentication is a broader strategy that dynamically determines when and how much verification is needed based on the signals present. MFA is one tool within a risk-based authentication program that triggers selectively when risk signals warrant it.
By evaluating context rather than applying blanket controls, risk-based authentication can recognize low-risk interactions (like a known device, a familiar location, consistent behavior) and let those customers through without additional steps. Friction is reserved for the interactions that genuinely warrant it, which means trusted customers spend less time jumping through aggravating hoops.
Alloy centralizes your risk logic in one place, so policy changes can be deployed in minutes rather than engineering sprints. By automating risk response and enabling customer self-resolution through intelligent step-up, Alloy also reduces the volume of cases that require manual review — freeing your team to focus on what actually needs human judgment.
