Identity security firm Entrust has expanded its partnership with Mastercard to integrate Mastercard Identity insights into the Entrust Identity Verification Security Platform. The collaboration aims to strengthen fraud detection for organisations during the digital account opening process.
The integration will enable organisations to use real-time risk insights from Mastercard’s network to identify potential threats early and automate remote onboarding for customers. Entrust is now the first Mastercard Engage partner to offer both the Digital First and Identity programs.
The partnership also addresses a common challenge for financial institutions and other businesses, where stringent fraud prevention measures can create a cumbersome experience for legitimate customers. A recent report from Entrust found that 66 per cent of organisations view identity fraud prevention and customer experience as competing priorities.
A risk-based verification process
The integrated solution is designed to streamline the onboarding journey for low-risk users while applying additional checks only when necessary. During the account opening process, a user inputs their basic information, such as name, phone number, and email address. The Entrust platform then securely connects with the Mastercard Identity network to generate a fraud risk score.
Mastercard Identity uses a multi-layered approach that analyses data from authoritative sources, historical usage patterns, and machine learning models to detect inconsistencies or suspicious behaviour. Based on this risk score, the Entrust platform routes the user through an appropriate onboarding workflow.
Users with low-risk scores can proceed with minimal friction, while those flagged with a higher risk score are prompted to complete additional identity verification steps, such as document scanning or biometric checks. Businesses can customise these workflows to manage different risk levels, which helps to automate the process while sidelining potential fraudsters early.
Automating user onboarding and improving efficiency
By automating identity verification based on real-time fraud scores, the companies state that organisations can minimise the need for manual reviews and allocate internal resources more efficiently. A case study cited by Mastercard involving a buy now, pay later provider reported a 50 per cent reduction in application abandonment and a 60 per cent increase in passive identity verification after implementing Mastercard’s signals.
Dennis Gamiello, executive vice president and global head of identity at Mastercard, said: “By combining Mastercard Identity’s insights with the Entrust Identity Security Platform, we’re helping enterprises move beyond reactive fraud detection. This partnership expansion enables a proactive, personalised approach that strengthens security while keeping the user experience seamless.”
Minh Nguyen, vice president of product for identity verification at Entrust, added: “As identity fraud is on the rise, along with high costs and rising customer expectations, collaboration is crucial. Organisations have to adapt faster than ever, and this partnership helps ensure that they can leverage Mastercard’s insights through our platform to stay ahead of emerging threats. Together, we’re helping businesses combat fraud, reduce manual reviews, and onboard more customers with confidence – delivering both stronger protection and measurable business results.”
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