Systems liveBook a demoSystems liveBook a demoDigital security for banks
Protectthe Userthe Appthe Devicethe User
Ektar protects the user, the device, and the app — Built by ex-bankers who've run the channels they now secure.
Protect the user
Login attempt
Protect the app
Runtime check
Protect the device
Session check
Each product is licensed on its own — deploy one or all seven, and the portals, APIs and SDKs behave the same either way. The whole suite runs inside your own infrastructure, with no runtime dependency on Ektar.
Replaces one-time codes with a login that can't be phished.
02ekProtectDevice & app integritySpots malware, fake screens, and compromised phones in real time.
03ekBindSIM & network trustCatches a SIM swap before a transaction goes through.
04ekSignDocument signingSigned documents that can't be altered after the fact, right inside your app.
05ekKeyPasskeysLogin without a password at all, tied to the customer's own device.
06ekPulseBehavioural biometricsLearns how a real customer types and moves, and flags when it isn't them.
07ekRulesRisk decisioningTakes every signal above and makes one real-time call: allow, verify further, or block.
Every attack on a banking app is really an attack on one of three things — the customer, their phone, or the app itself.
Protect theuser
A login that can't be phished, copied, or intercepted — closing the door on stolen one-time codes and call-centre scams.
Protect thedevice
Confirming it's really your customer's phone and number — catching a SIM swap or a hijacked session before money moves.
Protect theapp
Watching for malware, fake overlay screens, and tampering hiding inside the app itself.
One decision engine
One engine — ekRules — takes signals from all three and decides in real time: allow, verify further, or block.
Across the Gulf, South Asia, and Southeast Asia, SMS OTP is being banned outright — with hard deadlines.
UAE. SMS OTP banned. Banks must move to in-app verification and passkeys by March 2026.
Saudi Arabia. Device-bound login required. Fines of up to SAR 5 million per breach.
India. Banks can no longer rely on SMS OTP alone for high-risk transactions.
Singapore & Philippines. SMS OTP is being phased out for retail banking.
Data / 01
$485B
Lost to banking fraud
$485 billion lost to banking fraud in a single year.
Data / 02
93%
Still on SMS OTP
93% of banks still rely on SMS OTP — the method regulators are banning.
Data / 03
+12x
AI-generated fraud
AI-generated fraud is up more than 12x in the last year alone.