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Fraud rarely breaks through a bank's systems — it goes around them, through a phished login, a stolen code, or a convincing fake. These products make the person themselves the hardest part to fool.
ekShield
Login attempt
ekPulse
Behaviour check
Stolen SMS OTP
The most exploited method in retail banking today.
Now banned across five markets
Phishing and fake login pages
Designed to look identical to the real thing.
Credential capture
Call-centre social engineering
A convincing voice, not a broken system.
Human channel
Deepfakes and synthetic identities
AI-generated voices and faces, up over 12x in the past year.
Fastest-growing vector
Replaces one-time codes with a login that can't be phished — device-bound, working across mobile, web, call centre, ATM, and 3DS.
02ekKeyPasskeysLogin without a password at all, using the industry-standard FIDO2 passkey tied to the customer's own device.
03ekSignDocument signingSigns banking documents against an identity the suite has already proven, so a signed record can't be altered after the fact.
04ekPulseBehavioural biometricsLearns how a real customer types and moves, so it can flag the moment someone else is in control.
One decision engine
Every signal from this page — a login, a signature, a typing pattern — feeds into ekRules alongside the device and app surfaces. One engine decides in real time: allow, verify further, or block.
UAE (CBUAE), Saudi Arabia (SAMA), India (RBI), Singapore (MAS), and the Philippines (BSP). have all banned or are phasing out SMS one-time codes as a standalone authentication method.