Identity & Onboarding
What is step-up authentication?
A risk-based security approach where additional verification is required only when a transaction or action exceeds a defined risk threshold, rather than applying the same level of friction to every interaction. Step-up authentication dynamically adjusts the verification requirements based on contextual risk signals, balancing security with user experience.
How it works
Example: A customer makes routine purchases under $100 without any additional verification. When they attempt to change their account’s linked bank details, the system triggers step-up authentication requiring biometric verification and a one-time SMS code.

See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.

See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.

See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.

See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.

See Oscilar in action.
©2026 Oscilar, Inc. All rights reserved.
AI Risk Decisioning™ and Oscilar™ are trademarks of Oscilar, Inc.

