Control, assess and approve
Built for banks modernising retail and SME decisioning or IAM systems, audax combines identity, verification, risk, and policy controls within the journey to support faster, governed approvals.
Identity and access management
Modernise banking IAM with configurable authentication, access, and security controls that adapt to your bank’s journeys, policies, and technology environment.
Secure Customer Identity Lifecycle
End-to-end coverage of registration, verification, profile management, and account lifecycle for retail and business customers. Built on a single identity store that keeps customer data consistent across channels.
Frictionless Authentication
Password, OTP, biometric, passkey, and push authentication out of the box. Customers move seamlessly from sign-up to sign-in using familiar authentication methods, while the bank controls which factors apply at each step.
Adaptive Risk & Fraud Controls
Device profiling, risk scoring, and step-up authentication adapt to each transaction. High-risk activity is challenged or blocked without friction on low-risk journeys.
Open Standards for Integration
OAuth 2.0, OpenID Connect, SAML, WebAuthn/FIDO2, and DPoP let the bank federate staff identity, enable B2B and open-banking partners, and avoid proprietary lock-in.
Consent & Open Banking Readiness
Customers grant, refresh, and revoke third-party consents through standards-based flows. The bank controls scopes and validity to meet local open-banking mandates.
Compliance-Grade Auditability
Every authentication, authorisation, and identity change is published to a Security Information and Event Management (SIEM) system in an industry-standard format for fraud analytics, regulator reviews, and audit trails.
Intelligent decisioning orchestration
Bring verification, decisioning, and workflow orchestration together in one configurable layer, so banks can automate customer journeys while retaining control over policy, risk, and integration.
Embedded in the Journey
Decisioning runs natively inside audax Origination, so eligibility checks, credit assessments, and risk rules execute in-flow during applications rather than as separate batch steps.
Business-Configurable
Decision rules and thresholds can be changed by business/support teams through audax Operations configuration management, so policy changes ship without code releases.
AI- and Data-Driven
Leverages bureau data, behavioural signals, and AI models (including biometric and document-extraction outputs) to power automated approvals; Audax cites this as a key enabler of two-minute account opening in deployments like BukaTabungan.
Compliance-As-Code by Default
Audit, regulatory checks, and policy guardrails are encoded into the decision flow itself, reflecting Audax's "compliance is a given" architectural stance inherited from its Standard Chartered origins.
One Flow, Many Methods
Combines document capture, biometric facial recognition, liveness, and national-ID validation (e.g. Indonesia's E-KTP) into a single verification step rather than stitched-together point tools.
Local-Connector Model
Plugs into in-country bureaus, ID schemes, and sanctions/PEP providers via local connectors, so the same verification framework adapts market-by-market without re-platforming.
Issues Banks Face Today
- Fragmented identity experiences
- Weak or outdated authentication
- Open banking mandate
- Upgrade requires IAM migration
- Rigid decisioning logic
- Complex regulatory requirements
How audax can help
audax layers configurable IAM and intelligent orchestration over existing systems to strengthen control without forcing migration.
Control Every Identity Journey
Apply authentication, MFA, step-up, and access controls consistently across channels while keeping policies centrally configurable.
Upgrade Without IAM Migration
Federate with your existing IdP and security infrastructure through open standards, so banks can add modern IAM capabilities without migrating their entire identity estate.
Shape what your customers experience next
Connect with our team to explore how audax can support your modernisation priorities, or request a personalised demo of our platform.
