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Mula-X Chooses Passkeys+ to Replace SMS OTPs Across Its Digital Wallet Platform
Mula-X is rolling out Ideem's Passkeys+ across its Thailand digital wallet platform, replacing SMS-based OTPs with biometric, device-bound authentication built on the FIDO standard.

Maranda Manning
April 7, 2026
4 min read

Measuring Passkey Health: 8 Production KPIs Every Bank Should Track
The 2026 industry has converged on a small set of passkey production KPIs — enrollment, prompt conversion, login success, conditional UI completion, time-to-auth, fallback, recovery, and ATO reduction — with published benchmark ranges from Corbado, the FIDO Alliance, and major deployments. Banks that adopt these as the standing board report this year will be ahead of regulators in 2027.

Toby Rush
June 2, 2026
9 min read

Passkey Provider Divergence: How Banks Run a Multi-Provider Strategy Without Picking Sides
Passkey provider divergence in 2026 is a feature of a healthy open standard, not a problem to be solved by picking sides. Banks win by building a provider-agnostic policy layer that normalizes AAGUID handling, sync/device-bound classification, and per-provider risk routing across Apple, Google, Microsoft, 1Password, Dashlane, Bitwarden, and hardware keys.

Tim Massey
June 2, 2026
8 min read

Ideem and Unifonic Partner to Bring Passwordless Authentication to the GCC
Ideem has partnered with Unifonic, the region's leading AI-native customer engagement platform, to bring passwordless, phishing-resistant authentication to enterprises across the GCC. The partnership pairs Unifonic's reach with Ideem's MPC-based device binding to move the region's banks and brands beyond the password and SMS OTP burden.

Maranda Manning
June 18, 2026
4 min read

Step-Up Authentication with Passkeys: Transaction-Bound Signing for High-Value Payments
Session-level passkey auth proves a user logged in but not that they approved a specific wire. Transaction-bound signing closes that gap by deriving the WebAuthn challenge from the actual payee and amount so the signature is cryptographically tethered to the transaction itself — and it's exactly what PSD2/PSD3 dynamic linking requires.

Tim Massey
June 2, 2026
9 min read

Discoverable vs. Non-Discoverable Passkeys: How Banks Should Decide (and How Passkeys+ Handles Both)
A practical framework for the discoverable-vs-non-discoverable credential decision in 2026: most consumer banking flows should default to discoverable for conditional UI and the synced-passkey ecosystem, but hardware-key fleets and known-identifier employee flows still earn the non-discoverable choice. The platform decision that matters is supporting both under one policy without a re-platform.

Greg Storm
June 2, 2026
9 min read

FIDO Metadata Service (MDS) for Risk-Tiered Onboarding in Financial Services
The FIDO Metadata Service lets a bank tell exactly which authenticator created any passkey presented during onboarding. How banks turn MDS metadata into risk-tiered onboarding decisions, build a filtered BLOB, and capture the audit evidence regulators are starting to expect.

Greg Storm
June 2, 2026
7 min read

The Conditional UI Reality Check: Why Passkey Autofill Performance Varies by Browser
Conditional UI is the WebAuthn feature that turns passkeys into autofill suggestions and the single biggest lever for bank passkey adoption. An honest engineer's tour of where it works, where it breaks, and how to ship it cleanly.

Tim Massey
June 2, 2026
7 min read

How Passkeys Compare to Every Major Banking Authentication Method: A Six-Part Series Recap
Over two months we compared passkeys against every major banking authentication method — SMS OTP, TOTP, hardware keys, fingerprinting, magic links, and synced passkeys. Here is the full series, the cross-cutting takeaways, and where to start by role.

Maranda Manning
June 2, 2026
9 min read

How Banks Vet Passkey Providers: Building a Bank-Grade Trust Framework
Banks deploying passkeys are facing a new governance challenge: not all passkeys carry the same weight. A framework for vetting passkey providers, mapping them to trust tiers, and enforcing policy at the authentication layer.

Greg Storm
June 2, 2026
8 min read

Magic Link Authentication Security in Banking
Magic links solved a real friction problem for consumer SaaS. They have not held up well for financial services. The security of the link is the security of the email account, the link itself is phishable, and the model has no device binding. Here is what comes next.

Maranda Manning
May 6, 2026
7 min read

Device-Bound vs Synced Passkeys: Banking Comparison
Synced passkeys solve a real usability problem and are a clear upgrade from OTP, TOTP, and push. But sync moves the security boundary of the credential to the user's cloud account. For financial services, that matters. Here is why device-bound passkeys close the gap.

Greg Storm
May 6, 2026
8 min read

Device Fingerprinting vs Authentication: Fraud Signal or MFA?
Device fingerprinting is a useful fraud signal, not a possession factor for authentication. It is probabilistic, spoofable at scale, and excluded from the regulatory definition of strong authentication. Here is where it fits in a 2026 financial services architecture.

Toby Rush
May 6, 2026
7 min read

Passkeys vs Hardware Security Keys: Cost and Deployment Comparison for Banks
Hardware security keys introduce deployment, cost, and usability barriers impractical for consumer banking at scale. Software passkeys deliver equivalent cryptographic security through device secure enclaves while reducing support costs by 75%.

Greg Storm
May 6, 2026
8 min read

TOTP vs Passkeys: Are Authenticator Apps Enough for Banks?
TOTP and authenticator apps were a meaningful upgrade from SMS OTP, but the underlying threat model has not changed. AiTM phishing defeats TOTP, the seed is exposed at enrollment, and cloud-synced apps create a single point of failure. Here is what comes next.

Toby Rush
May 6, 2026
8 min read

Why Banks Are Replacing SMS OTP With Passkeys in 2026
NIST has classified SMS OTP as a restricted authenticator, adversary-in-the-middle phishing routinely defeats both SMS and email codes, and financial services authentication is moving to phishing-resistant, device-bound credentials. Here is a practical roadmap for the migration.

Greg Storm
May 6, 2026
8 min read

AI Agents Need Authentication Too: The Emerging Passkey and OAuth Problem
AI agents are beginning to act on behalf of users inside banking applications - initiating transfers, checking balances, filing disputes. But the authentication infrastructure those agents rely on was designed for humans, not autonomous software. That gap is the next major security problem in financial services authentication.

Toby Rush
March 6, 2026
9 min read

Passkeys and Payment Authentication: Where SPC, 3DS, and FIDO Converge
Secure Payment Confirmation, expanding Visa and Mastercard passkey programs, and FIDO2's growing role in 3DS flows are converging toward a single credential layer at checkout. For financial institutions, understanding how these pieces fit together is no longer optional - it is a core architectural question.

Greg Storm
March 6, 2026
9 min read

What Actually Works When Banks Deploy Passkeys: A Practitioner's Playbook
The five practices that separate high-adoption passkey deployments from stalled ones. A practitioner's playbook grounded in FIDO Alliance guidance and real implementation patterns.

Toby Rush
February 10, 2026
7 min read

15 Billion Accounts and Counting: What Passkey-Ready Scale Means for Banks
The FIDO Alliance reports over 15 billion accounts can now use passkeys. That number changes the calculus for every bank still debating whether to deploy.

Tim Massey
February 10, 2026
4 min read

When Passkeys Fail the User: Common UX Mistakes and How to Avoid Them

Maranda Manning
January 8, 2026
4 min read

Passkeys in Regulated Products: Usability vs Control is a False Tradeoff

Greg Storm
January 8, 2026
6 min read

The Passkey Adoption Bottleneck

Greg Storm
January 8, 2026
5 min read

Making Passkeys the Default Without Breaking Trust

Toby Rush
December 22, 2025
6 min read

From Enrollment to Everyday Use: Designing Passkeys for People

Maranda Manning
December 22, 2025
6 min read

Device Binding is the Missing Layer in Passkey Implementations

Greg Storm
December 22, 2025
8 min read

Encouraging passkey adoption without forcing it

Maranda Manning
December 22, 2025
5 min read

Cart Abandonment in GCC E-Commerce: Fixing Checkout Drop-Off with Device Binding and Passkeys

Toby Rush
December 22, 2025
4 min read

Q&A with Andrew Shikiar, CEO of FIDO

Maranda Manning
October 1, 2025
5 min read

Passkeys in Emerging Markets

Toby Rush
September 16, 2025
3 min read

MENA Banking’s Next Advantage: Passkeys+

Toby Rush
August 25, 2025
5 min read

But Wait, There’s More to Passkeys+

Toby Rush
July 8, 2025
2 min read

Making Passkeys Bank-Grade: The Missing Ingredient
This fourth blog in a five-part series that explores the current state of passkeys and why enhanced implementations, what we call Passkeys+, are essential for meeting the security and compliance demands of

Maranda Manning
July 8, 2025
2 min read

Passkeys Alone Are Insufficient for Financial Services

Greg Storm
July 3, 2025
3 min read

Convenience vs. Control: The Problem with Synced Passkeys

Maranda Manning
June 26, 2025
4 min read

The Passkey Shift - Passkeys Inevitable Triumph over Passwords
For decades, passwords were the default key to the digital world. Easy to implement and familiar to users, they offered convenience, but at a steep cost. As our digital footprints grew, passwords became both a security liability and a user burden. Complex requirements, frequent resets, and rampant reuse opened the floodgates to breaches, phishing attacks, and endless frustration.

Toby Rush
June 19, 2025
5 min read

Microsoft’s Passwordless Push: A Step Forward, but with Major Caveats

Maranda Manning
August 11, 2025
2 min read