BAAR Customer Identity & Access Management (CIAM)

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BAAR CIAM

BAAR CIAM provides enterprises with a secure, scalable, and user-friendly way to manage customer logins, registrations, and digital identity. It enables seamless onboarding, strong multi-factor authentication, and regulatory-compliant consent management — all while delivering a frictionless experience for end users.

Onboarding & Registration

Self-registration with progressive profiling

Consent capture for Terms & Privacy

Guest or temporary accounts

Social & enterprise ID onboarding

Adaptive Multi-Factor Authentication (MFA)

Custom branded login pages with logos & colors

Localized, multi-language support

Customizable emails & SMS templates

Passwordless Authentication

OAuth 2.0 / OpenID Connect standards

Secure token management

GDPR / CCPA compliance

Audit trails & event logging

Passwordless Authentication

Passwordless login with Passkeys & WebAuthn

MFA: Email/SMS OTP, Push/TOTP via BAAR Authenticator

Social login: Google, Apple, Facebook, LinkedIn

Adaptive MFA for risky transactions

Technical Highlights

Standards: OAuth 2.0, OpenID Connect, SAML 2.0

MFA: Push, TOTP, Email/SMS OTP, Passkeys

Deployment: On premises, Cloud, SaaS

 

Benefits

Frictionless login and onboarding

Strong MFA and passwordless security

Regulatory-ready with consent tools

Scales to millions of customers

Use Cases

Banking & Finance: Adaptive MFA and KYC integrations for secure transactions.

Retail & E-Commerce: Social login to reduce friction and cart abandonment.

Healthcare & Insurance: Privacy-compliant identity for patient portals.

Education & Public Sector: Passwordless login for students and citizens.

Why BAAR CIAM?

Purpose-built for customer identities — combining enterprise-grade security with consumer-grade usability. Deliver trust, compliance, and simplicity to your customers.

Case Study

A leading private sector bank in India with over 8 million retail and SME customers embarked on a digital transformation journey to enhance customer experience across its mobile and internet banking channels.
The bank wanted to modernize its authentication framework, integrate Aadhaar-based KYC verification, and deliver a unified identity experience across savings, credit card, and investment platforms — all while maintaining compliance with RBI’s cybersecurity framework and Data Protection Bill requirements.

As the customer base grew, the bank faced multiple identity and security challenges:

  • Multiple Login Systems: Customers had separate credentials for mobile, internet, and loan portals, leading to confusion and poor experience.
  • Weak Authentication: Password-only access exposed users to phishing and credential theft.
  • KYC and Privacy Compliance: Manual KYC verification and fragmented consent tracking made compliance with UIDAI and RBI audit guidelines difficult.
  • High-Value Transaction Risk: No mechanism existed to dynamically trigger MFA for high-risk or high-value transactions.
  • Integration Complexity: Modernizing authentication without rewriting legacy core banking applications was a major technical constraint.

The bank deployed BAAR CIAM — a unified Customer Identity and Access Management platform designed to secure digital banking experiences at scale.

Key capabilities implemented:

  • Unified Digital Identity: One login across all channels — mobile, internet, credit card, and wealth management — using OIDC and SAML.
  • Aadhaar & PAN Integration: Streamlined onboarding and eKYC using UIDAI and NSDL APIs for instant identity verification.
  • Adaptive Multi-Factor Authentication: BAAR Authenticator provided passwordless and push-based MFA, automatically triggered for transactions exceeding ₹50,000 or from new devices.
  • Consent & Privacy Management: Customers could view and manage consent for data sharing, marketing, and third-party fintech integrations through a self-service dashboard.
  • Risk-Based Access Control: BAAR Sentra analyzed transaction payloads, user behavior, and device posture to assign a real-time risk score and enforce step-up authentication where needed.
  • Rapid Integration with Legacy Systems: BAAR Cortex orchestrated identity workflows and token exchange with minimal changes to the bank’s existing applications.

Within four months of deployment, the bank achieved significant results:

Metric

Before BAAR CIAM

After BAAR CIAM

Fraudulent Login Attempts

High

↓ 68% reduction

KYC Turnaround Time

24–48 hrs

Instant eKYC verification

Customer Login Experience

Multiple credentials

Single, passwordless identity

Regulatory Compliance

Manual audit reports

Automated RBI-compliant logs

Customer Satisfaction (CSAT)

72%

91%

The unified identity platform not only improved security and compliance but also enhanced customer trust and engagement, positioning the bank as a digital-first leader in India’s competitive banking landscape.

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