UnionDigital Bank, the digital subsidiary of UnionBank of the Philippines and regulated by the Bangko Sentral ng Pilipinas (BSP), has integrated iProov’s Dynamic and Express Liveness biometric solutions to strengthen its risk-based authentication (RBA) framework. This development is aligned with the BSP’s ongoing push for enhanced consumer protection, especially in mitigating threats like account takeovers and mule activity.
The upgraded system replaces previous device-based biometrics, enabling the bank to dynamically assess risk per transaction and apply the appropriate level of security — without compromising ease of access for legitimate users. The dual-liveness technology supports compliance with BSP’s expectations around adaptive, data-driven fraud mitigation and digital inclusivity, particularly critical for mobile-first and underserved populations.
“Our mission is to uplift the lives of all Filipinos through a secure, trusted, and accessible digital bank for all Filipinos, and that requires deploying resilient infrastructure capable of addressing sophisticated fraud,” said Russell Hernandez, chief information security officer at UnionDigital Bank. “iProov’s internationally proven ability to deliver ease of use, speed, and high security assurance — backed by reliable vendor support — ensures we can evolve our fraud defenses while sustaining customer trust and confidence.”
The solution supports BSP’s broader digital transformation agenda by promoting cyber resilience, real-time identity assurance, and secure onboarding and transactions — key priorities as the financial sector faces increasingly sophisticated, AI-driven cyber threats.
This deployment is part of UnionDigital Bank’s commitment to maintaining regulatory alignment while building secure, inclusive digital infrastructure for all Filipinos.
