Authorization without shared secrets.Built for digital banking.

Credentis turns identity into tokenized authority, shows customers exactly what they are being asked to authorize, and requires them to prove their intent to approve it.

A banking phone displaying an approved authorization beside a shield and padlock, surrounded by a blue ring.

Digital Banking Has Grown Rapidly

More customers. More transactions. More responsibility.

Mobile Banking Users

9.86M 27.12M

Q3 FY21 → Q2 FY26

Internet Banking Users

4.98M 15.68M

Q3 FY21 → Q2 FY26

Mobile Banking App Transactions

6.2B+

FY25

Internet Banking Transactions

297M

FY25

Mobile and internet banking serve more users and handle billions of transactions.

Authorization must keep pace.Source: State Bank of Pakistan — Payment Systems Reviews

Identity. Intent. Context.

Authorization without shared secrets.
Authority beyond cyberspace.

Identity

Tokenized authority

A secure digital identity lets customers approve transactions, but cannot be used by anyone who intercepts or obtains it.

Intent

A deliberate act

The customer makes a deliberate authorization decision.

Context

The transaction to approve

Customers see the transaction details before approving.

No customer OTP or PIN forms the basis of approval. Accessing digital banking and authorizing a transaction remain distinct.

Authoritative identity

Identity and authority are tokenized.

Customer identity progresses through biometric verification, tokenized authority, an authoritative token, and per-transaction validation.

Biometric verification establishes tokenized authority. The authoritative token is validated for each transaction.

Every authorization has auditable evidence

The centralized authorization model records the authorization decision and its evidence so the bank can review them together.

The authorization decision is recorded with auditable evidence, stored in the centralized authorization model, and made available for the bank to review the decision and evidence together.

Across the mobile population

Digital banking must accommodate different devices, operating systems, versions, and security states. Credentis provides one authorization environment for these different mobile devices.

Designed for Sensitive Banking Actions

Apply Credentis where explicit customer authorization matters.

Funds Transfer

Authorize the exact amount and beneficiary.

Beneficiary Addition

Authorize creation of a new beneficiary.

Payments

Authorize the exact merchant or payment.

High-Risk Actions

Protect sensitive changes and high-risk actions.

Limit Changes

Authorize new limits or limit changes.

Card Control

Authorize sensitive card actions.

Additional Protected Actions

Use across any action that needs explicit customer approval.