# Fintech Leverages Biometrics to Achieve PSD2 Compliance

![Woman smiling while looking at smartphone](https://images.pingidentity.com/image/upload/f_auto,q_auto,w_auto,c_scale/ping_dam/content/dam/picr/img/cs/h/WithLess-Customer-Story-554x554.png) 

Challenge

The account expense platform relied on SMS OTPs to authenticate payments, creating friction, SIM-swap risk, and failing to meet PSD2 compliance requirements.

Results

WithLess deployed PingOne Recognize in two weeks, enabling PSD2 SCA-compliant multi-factor authentication with one glance.

Objective

WithLess set out to enable PSD2 SCA compliance by looking for a solution that could dynamically link transaction amount and account details. The solution they wanted also needed to be able to protect sensitive step-up actions, such as address or IBAN changes.

Challenge

As a growing SaaS platform managing expenses, account payables and procurement, WithLess needed a solution that introduced minimum friction—both during deployment and during ongoing use.

Solution

WithLess implemented Zero-Knowledge Biometrics using PingOne Recognize. Deployed in the WithLess app via SDK, it authenticates both the user’s face and device with a single glance. This built-in multi-factor authentication flow replaced existing SMS OTPs, and crucially, the lightweight SDK enabled rapid integration and rollout in under two weeks.

Results

By replacing SMS OTPs, WithLess reduced SIM-swap exposure and strengthened security. Customers can now authenticate consistently across the WithLess app, and sensitive actions are protected by biometric step-up authentication.

The simplicity and effectiveness of the API allowed us to deploy an advanced biometric authentication system in record time.

Thomas Alisi

Co-Founder and CTO, WithLess

![Flinks logo](https://www.pingidentity.com/content/dam/picr/logos/cs/st/Img-Logo-Withless-296x60.svg) 

Industry

[Financial Services](https://www.pingidentity.com/en/industry/financial-services.html)

Solutions Used

[PingOne Recognize](https://www.pingidentity.com/en/product/pingone-recognize.html)

[Contact Sales](https://www.pingidentity.com/en/company/contact-sales.html) 

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