Industries

Financial services & fintech

Financial services organizations face credential-based attacks at scale. Stolen usernames and passwords are behind the majority of breaches in the sector. WWPass removes the credential layer from authentication entirely, leaving attackers nothing to steal, phish, or replay.

Industries

Financial services & fintech

Financial services organizations face credential-based attacks at scale. Stolen usernames and passwords are behind the majority of breaches in the sector. WWPass removes the credential layer from authentication entirely, leaving attackers nothing to steal, phish, or replay.

Industries

Financial services & fintech

Financial services organizations face credential-based attacks at scale. Stolen usernames and passwords are behind the majority of breaches in the sector. WWPass removes the credential layer from authentication entirely, leaving attackers nothing to steal, phish, or replay.

The credential problem in financial services

88% of Basic Web Application Attacks in financial services involve stolen credentials, according to the 2025 Verizon Data Breach Investigations Report. This is not a configuration problem or a training problem. It is an architectural one. Credentials exist, so they can be stolen.

WWPass addresses the architecture. Authentication runs on cryptographic keys, not on usernames and passwords. A stolen credential from a financial services breach cannot be reused anywhere in a WWPass-protected environment because there is no credential to steal in the first place.

Source: Verizon 2025 DBIR Finance Snapshot

Explore how WWPass works


Two authentication challenges, one platform

Financial services organizations manage authentication on two fronts: employees accessing internal systems, and customers authenticating to banking portals, trading platforms, and financial apps.

WWPass covers both.

For workforce authentication, WWPass Key replaces usernames and passwords across all internal systems. One key authenticates an employee across every connected application, on any device, without a credential that can be phished or compromised.

For customer authentication, WWPass removes the shared secret from the customer login flow entirely. No username stored on the service side. No password to reuse or brute-force. Each customer receives a unique opaque identifier specific to their relationship with that institution. A breach at one institution reveals nothing about the same customer's accounts elsewhere.

Explore WWPass Authentication


Regulatory alignment

Financial services organizations operate under multiple overlapping frameworks, each with specific authentication requirements.

  • DORA (Digital Operational Resilience Act) mandates ICT risk management and resilience across financial entities in the EU. WWPass's zero-trust distributed architecture, with no single point of failure and data encrypted across multiple nodes, maps directly to the ICT risk categories DORA addresses.

  • PSD2 Strong Customer Authentication (SCA) requires possession, knowledge, or inherence factors. WWPass Key satisfies the possession factor. An optional PIN or biometric satisfies a second factor. No shared secret is involved at any point.

  • PCI DSS access control requirements for systems that handle cardholder data are addressed through username-less, passwordless authentication backed by cryptographic hardware.

  • NIST SP 800-63B Authentication Assurance Level 3 (AAL3), the highest level defined, is reached when using a hardware WWPass Key with PIN or biometric.


What changes for financial services teams

  • No password reset workflows.
    Self-service key management means users revoke and replace their own keys without IT involvement. The 20% reduction in security administration effort documented in a real customer deployment reflects what removing password management overhead looks like in practice.

  • No credential databases to protect.
    Data encrypted and distributed across multiple nodes means a compromised server yields nothing usable, removing a significant category of breach liability.

  • No vendor cloud dependency for recovery.
    If a key is lost, access is restored through patented secure credential restoration within the same distributed architecture. No dependency on iCloud, Google, or any third-party cloud vendor. Directly relevant for financial services firms managing third-party ICT risk under DORA.

Source: WWPass customer case study (SaaS DMS deployment, 20% admin effort reduction)


Frequently asked questions

Q: Does WWPass satisfy PSD2 Strong Customer Authentication requirements?

A: Yes. WWPass Key satisfies the possession factor under PSD2 SCA. An optional PIN satisfies the knowledge factor, and biometric satisfies the inherence factor. Authentication does not involve any shared secret transmitted to the service.

Q: How does WWPass address DORA ICT risk management requirements?

A: WWPass's zero-trust distributed architecture has no single point of failure. Data is encrypted and split across multiple geographically dispersed nodes. This architecture maps to the ICT risk management and resilience requirements that DORA mandates for financial entities. Confirm specific compliance mapping with your legal and compliance team before publishing.

Q: Can WWPass be used for both employee and customer authentication?

A: Yes. WWPass covers both workforce authentication and customer authentication. Both use the same zero-trust architecture with no shared credentials on either side.

Q: What assurance level does WWPass reach for financial services?

A: With a hardware WWPass Key and PIN or biometric, authentication reaches Authentication Assurance Level 3 (AAL3) as defined in NIST SP 800-63B, the highest level defined.

Q: Does WWPass store customer identity data centrally?

A: No. Each customer receives a unique opaque identifier specific to their relationship with each service. This identifier is generated from both the customer's key and the institution's key combined. It cannot be reversed or correlated across institutions. Customer identity data is not stored in any central location accessible to WWPass.

The credential problem in financial services

88% of Basic Web Application Attacks in financial services involve stolen credentials, according to the 2025 Verizon Data Breach Investigations Report. This is not a configuration problem or a training problem. It is an architectural one. Credentials exist, so they can be stolen.

WWPass addresses the architecture. Authentication runs on cryptographic keys, not on usernames and passwords. A stolen credential from a financial services breach cannot be reused anywhere in a WWPass-protected environment because there is no credential to steal in the first place.

Source: Verizon 2025 DBIR Finance Snapshot

Explore how WWPass works


Two authentication challenges, one platform

Financial services organizations manage authentication on two fronts: employees accessing internal systems, and customers authenticating to banking portals, trading platforms, and financial apps.

WWPass covers both.

For workforce authentication, WWPass Key replaces usernames and passwords across all internal systems. One key authenticates an employee across every connected application, on any device, without a credential that can be phished or compromised.

For customer authentication, WWPass removes the shared secret from the customer login flow entirely. No username stored on the service side. No password to reuse or brute-force. Each customer receives a unique opaque identifier specific to their relationship with that institution. A breach at one institution reveals nothing about the same customer's accounts elsewhere.

Explore WWPass Authentication


Regulatory alignment

Financial services organizations operate under multiple overlapping frameworks, each with specific authentication requirements.

  • DORA (Digital Operational Resilience Act) mandates ICT risk management and resilience across financial entities in the EU. WWPass's zero-trust distributed architecture, with no single point of failure and data encrypted across multiple nodes, maps directly to the ICT risk categories DORA addresses.

  • PSD2 Strong Customer Authentication (SCA) requires possession, knowledge, or inherence factors. WWPass Key satisfies the possession factor. An optional PIN or biometric satisfies a second factor. No shared secret is involved at any point.

  • PCI DSS access control requirements for systems that handle cardholder data are addressed through username-less, passwordless authentication backed by cryptographic hardware.

  • NIST SP 800-63B Authentication Assurance Level 3 (AAL3), the highest level defined, is reached when using a hardware WWPass Key with PIN or biometric.


What changes for financial services teams

  • No password reset workflows.
    Self-service key management means users revoke and replace their own keys without IT involvement. The 20% reduction in security administration effort documented in a real customer deployment reflects what removing password management overhead looks like in practice.

  • No credential databases to protect.
    Data encrypted and distributed across multiple nodes means a compromised server yields nothing usable, removing a significant category of breach liability.

  • No vendor cloud dependency for recovery.
    If a key is lost, access is restored through patented secure credential restoration within the same distributed architecture. No dependency on iCloud, Google, or any third-party cloud vendor. Directly relevant for financial services firms managing third-party ICT risk under DORA.

Source: WWPass customer case study (SaaS DMS deployment, 20% admin effort reduction)


Frequently asked questions

Q: Does WWPass satisfy PSD2 Strong Customer Authentication requirements?

A: Yes. WWPass Key satisfies the possession factor under PSD2 SCA. An optional PIN satisfies the knowledge factor, and biometric satisfies the inherence factor. Authentication does not involve any shared secret transmitted to the service.

Q: How does WWPass address DORA ICT risk management requirements?

A: WWPass's zero-trust distributed architecture has no single point of failure. Data is encrypted and split across multiple geographically dispersed nodes. This architecture maps to the ICT risk management and resilience requirements that DORA mandates for financial entities. Confirm specific compliance mapping with your legal and compliance team before publishing.

Q: Can WWPass be used for both employee and customer authentication?

A: Yes. WWPass covers both workforce authentication and customer authentication. Both use the same zero-trust architecture with no shared credentials on either side.

Q: What assurance level does WWPass reach for financial services?

A: With a hardware WWPass Key and PIN or biometric, authentication reaches Authentication Assurance Level 3 (AAL3) as defined in NIST SP 800-63B, the highest level defined.

Q: Does WWPass store customer identity data centrally?

A: No. Each customer receives a unique opaque identifier specific to their relationship with each service. This identifier is generated from both the customer's key and the institution's key combined. It cannot be reversed or correlated across institutions. Customer identity data is not stored in any central location accessible to WWPass.

The credential problem in financial services

88% of Basic Web Application Attacks in financial services involve stolen credentials, according to the 2025 Verizon Data Breach Investigations Report. This is not a configuration problem or a training problem. It is an architectural one. Credentials exist, so they can be stolen.

WWPass addresses the architecture. Authentication runs on cryptographic keys, not on usernames and passwords. A stolen credential from a financial services breach cannot be reused anywhere in a WWPass-protected environment because there is no credential to steal in the first place.

Source: Verizon 2025 DBIR Finance Snapshot

Explore how WWPass works


Two authentication challenges, one platform

Financial services organizations manage authentication on two fronts: employees accessing internal systems, and customers authenticating to banking portals, trading platforms, and financial apps.

WWPass covers both.

For workforce authentication, WWPass Key replaces usernames and passwords across all internal systems. One key authenticates an employee across every connected application, on any device, without a credential that can be phished or compromised.

For customer authentication, WWPass removes the shared secret from the customer login flow entirely. No username stored on the service side. No password to reuse or brute-force. Each customer receives a unique opaque identifier specific to their relationship with that institution. A breach at one institution reveals nothing about the same customer's accounts elsewhere.

Explore WWPass Authentication


Regulatory alignment

Financial services organizations operate under multiple overlapping frameworks, each with specific authentication requirements.

  • DORA (Digital Operational Resilience Act) mandates ICT risk management and resilience across financial entities in the EU. WWPass's zero-trust distributed architecture, with no single point of failure and data encrypted across multiple nodes, maps directly to the ICT risk categories DORA addresses.

  • PSD2 Strong Customer Authentication (SCA) requires possession, knowledge, or inherence factors. WWPass Key satisfies the possession factor. An optional PIN or biometric satisfies a second factor. No shared secret is involved at any point.

  • PCI DSS access control requirements for systems that handle cardholder data are addressed through username-less, passwordless authentication backed by cryptographic hardware.

  • NIST SP 800-63B Authentication Assurance Level 3 (AAL3), the highest level defined, is reached when using a hardware WWPass Key with PIN or biometric.


What changes for financial services teams

  • No password reset workflows.
    Self-service key management means users revoke and replace their own keys without IT involvement. The 20% reduction in security administration effort documented in a real customer deployment reflects what removing password management overhead looks like in practice.

  • No credential databases to protect.
    Data encrypted and distributed across multiple nodes means a compromised server yields nothing usable, removing a significant category of breach liability.

  • No vendor cloud dependency for recovery.
    If a key is lost, access is restored through patented secure credential restoration within the same distributed architecture. No dependency on iCloud, Google, or any third-party cloud vendor. Directly relevant for financial services firms managing third-party ICT risk under DORA.

Source: WWPass customer case study (SaaS DMS deployment, 20% admin effort reduction)


Frequently asked questions

Q: Does WWPass satisfy PSD2 Strong Customer Authentication requirements?

A: Yes. WWPass Key satisfies the possession factor under PSD2 SCA. An optional PIN satisfies the knowledge factor, and biometric satisfies the inherence factor. Authentication does not involve any shared secret transmitted to the service.

Q: How does WWPass address DORA ICT risk management requirements?

A: WWPass's zero-trust distributed architecture has no single point of failure. Data is encrypted and split across multiple geographically dispersed nodes. This architecture maps to the ICT risk management and resilience requirements that DORA mandates for financial entities. Confirm specific compliance mapping with your legal and compliance team before publishing.

Q: Can WWPass be used for both employee and customer authentication?

A: Yes. WWPass covers both workforce authentication and customer authentication. Both use the same zero-trust architecture with no shared credentials on either side.

Q: What assurance level does WWPass reach for financial services?

A: With a hardware WWPass Key and PIN or biometric, authentication reaches Authentication Assurance Level 3 (AAL3) as defined in NIST SP 800-63B, the highest level defined.

Q: Does WWPass store customer identity data centrally?

A: No. Each customer receives a unique opaque identifier specific to their relationship with each service. This identifier is generated from both the customer's key and the institution's key combined. It cannot be reversed or correlated across institutions. Customer identity data is not stored in any central location accessible to WWPass.

All industries

Explore how WWPass helps organizations across other industries secure access, protect sensitive data, and meet regulatory requirements.

Get WWPass

Download the WWPass Key app and test authentication without a username or password.

© 2026 World Wide Pass — WWPass

Get WWPass

Download the WWPass Key app and test authentication without a username or password.

© 2026 World Wide Pass — WWPass

Get WWPass

Download the WWPass Key app and test authentication without a username or password.

© 2026 World Wide Pass — WWPass