One-time passcodes can be phished, relayed, and socially engineered. Silent network authentication can’t be typed into a fake page by mistake.
Usernames and passwords are still the most common way to secure a digital account, but they’re unsecure, cumbersome, and expensive to maintain — creating friction, generating support costs, and getting lost, forgotten, or exposed in a breach. One-time passcodes (OTP) are often layered on top as a second factor, but OTP has its own well-documented weakness: real-time phishing kits present a fake login page, capture the code the instant a user types it, and relay it to the real site within seconds — defeating the code before it even expires, without the user’s phone ever being compromised.
This isn’t a checkout-only problem. Any login — banking apps, telecom self-service portals, healthcare, subscriptions, e-commerce accounts — is exposed to the same password fatigue and OTP-phishing risk, and every added authentication step is a chance for a legitimate user to abandon the login altogether.
Zumigo delivers passwordless, low-friction login using Silent Network Authentication (SNA) and SIM-Based Authentication (SBA), which confirm phone possession directly through the mobile carrier network — with no code for the user to receive, type, or hand to a phishing page by mistake. For scenarios that call for an on-device credential, passkeys stored in the device’s secure enclave offer the same phishing-resistant guarantee. Delivered through direct API integration and configurable via IDV Builder, Zumigo can also:
Real-time phishing kits present a fake login page that captures a one-time passcode the moment a user types it, then relay it to the real site within seconds — defeating the code before it expires, even though the user’s phone itself was never compromised.
Because there’s no code delivered to the user in the first place, there’s nothing for a fake login page to capture — verification happens directly between Zumigo and the mobile carrier network, out of reach of a phishing kit.
No. The same passwordless login can be applied to any account type — banking apps, telecom self-service portals, healthcare portals, subscription services — anywhere a business needs to confirm the right person is logging in.
Yes. Zumigo can layer SMS or voice OTP on top of SNA/SBA or passkey verification for specific higher-risk actions — like a large transfer or a password reset — without requiring it on every login.