The challenge

When a user upgrades their device, traditional device identification breaks. The new device has no history, no prior binding, and no recognition, so banks respond with enforced re-enrollment, one-time password requests, and manual reviews. This creates friction for genuine customers who have simply bought a new device, while fraudsters rotating or cloning devices exploit the same ambiguity to appear legitimate. Each false positive increases re-verification costs and customer service burden. Each false negative increases loss exposure.

How we solve for it

BioCatch recognizes genuine device upgrades by comparing signals from old and new devices, device intelligence, and device age and history. When these signals align, the customer is recognized on their new device without re-enrollment or step-ups. When a device change does not align with genuine upgrade patterns, BioCatch checks for integrity signals including active VPN, tampered applications, and compromised device environments. Genuine customers move through on their first login without unnecessary friction. Fraudulent device registrations are flagged before any access is granted.

Learn how DeviceIQ can work for you →