Onboarding with silent verification:
Reduce the risk without adding steps

Across financial services, eCommerce, travel, and hospitality, user onboarding is under pressure. Fraud leaders need to block fake or risky accounts before they enter. Product owners want to streamline sign-ups to maximize conversions. Yet traditional multi-factor authentication (MFA) flows often fail to satisfy either goal—introducing friction for legitimate users while still allowing bad actors to slip through.

This roundtable explored how silent, network-based authentication powered by carrier and device intelligence can offer a smarter, background validation alternative. Attendees discussed how organizations are replacing MFA with passive, secure verification to defend against threats like compromised devices, bots, and synthetic identities—all while improving conversion rates.

Key Takeaways:

• Why MFA often fails—and how passwordless, low-friction verification changes the game
• Using real-time carrier and device-level signals as trust indicators
• Aligning product and fraud teams around metrics like drop-off, approval rates, and fraud prevention
• Real-world examples where silent network-based verification improved risk posture and onboarding conversion

Who Attended:

Leaders in fraud prevention, risk, and product who are looking to

• Reduce friction in sign-up flows
• Prevent fake accounts, bots, and SIM swap fraud
• Boost onboarding conversion rates
• Integrate passive authentication methods into identity verification or risk workflows

Industry Use Cases:

• Banking, Financial Services & Insurance (BFSI): Stop fraud at account creation without hurting KYC throughput
• eCommerce: Block promo abuse and fake sign-ups—without asking users to do a thing
• Travel & Hospitality: Enable secure guest bookings and loyalty account creation with minimal friction
• Marketplaces & Gig Platforms: Scale onboarding across devices and geographies while reducing identity fraud