Strong Authentication made Simple!

Authentication is changing!
Outdated insecure authentication methods are to be replaced by newer, simpler,
securer and frictionless ones ...

Authentication is changing!
… and more changes are just around the corner ...

Authentication is changing!
… because consumers prefer simplicity!
Source: http://www.paymentscardsandmobile.com/banks-trusted-deliver-biometric-future/
“Nearly two-thirds of consumers (64%) want to use biometrics as a
method of payment authentication and familiarity is increasing the
comfort level ...”

Why now?
Changing user's
expectations1 Users expect fast, convenient, safe, and personalized solutions.
Technology
Innovations2
New opportunities emerge as new authentication technologies are
becoming simple commodities (e.g.: device based and biometrics ones).
Mobility3 New devices allow users to access data anytime from anywhere.
Increasing Threats5
Fraud, identity theft and targeted attacks on practically every industries are
becoming more frequent and sophisticated.
The Cloud4
No more “network perimeter” based security with the increasing reliance on
cloud and web services.

Why now?
Increased
Competition6
Non-bank attackers and “digital only” banks are getting to “own the
customer“ and create value through adjacent services.
Regulatory
Compliance7
Requires banks to comply with Strong Customer Authentication and
Tokenization (e.g. PSD2).
Especially for Banks and other Financial Institutions:

Some are already changing!

How?
What is the cost, time and complexity of integrating biometrics technology into
existing IT infrastructure? Doesn’t it outweighs the benefits?
Which one of the different types of biometric security products should we choose?
Is biometric authentication enough? Should it be used all and every time? Or
should it be combined with others methods?
Blowed with operational questions?

Loqr D-AaaS Platform
Your backend system
Your mobile app
One Strong Authentication API
API

Loqr D-AaaS Platform
Your backend system
Your mobile app
One Strong Authentication API
API
Behavioral and analytics
transaction risk-scoring

Loqr D-AaaS Platform
Strong Authentication is not about sending you a code, it’s about challenging
you till satisfaction!

How does it Work
API
1. End user starts
authentication request
2. Client calls Loqr
services
3. Loqr validates end
user
Backend System
Loqr Library

Loqr Market Positioning
B2C B2B
Solutions
TechnologiesTouch ID
2FA
Cognitive
Hello

Loqr Market Positioning
B2C B2B
Solutions
TechnologiesTouch ID
2FA
Cognitive
Hello
Different Market
Tools Potential Partners

Competition
Single 2FA
Context Aware
2FA
Platforms
Static

Market Size (2017)
Strong Costumer Authentication
$10B+ $10B+
Consumer Biometrics
$15B+
Identity Theft Related Fraud
Driven By Demand for:
• One-Time-Passwords;
• Tokens; and
• Security Certificates
Driven By Demand for
replacement of traditional
access control systems,
which include passwords and
PINs and are susceptible to
hacking.
Driven By Demand for
solutions to prevent losses of
$35,600 every minute.

Market Size (2022 forecast)
Strong Costumer Authentication
$15B+ $32B+
Consumer Biometrics
?
Identity Theft Related Fraud
Driven By Demand for:
• One-Time-Passwords;
• Tokens; and
• Security Certificates
Driven By Demand for
replacement of traditional
access control systems,
which include passwords and
PINs and are susceptible to
hacking.
Driven By Demand for
solutions to prevent losses of
$35,600 every minute.

Our Senior Team
Ricardo Costa / Chief Executive Officer
José Dias / Chief Business Development Officer
Jorge Silva / Chief Compliance Officer
Several years of (cyber)security experience working in large national and international
projects for the Financial sector (including payment systems) and Digital Certification sector.
Researcher. PhD Computer Science.
Several years leading functional teams in large international projects (developing businesses,
sales, products, marketing and projects). MBA. CISSP & PCI Security.
Civil Law Notary and legal expert with experience in establishing privacy and security policies
of electronic data in accordance with good practice and international legislation.
Other Team:
Current: 7 - 3 founders; 4 engineers. 2017 Goal: 14 – adding 1 product manager; 3 engineers; 1 product design; 2 sales.
Why us?
Our senior team has worked together for more than 15
years on several well succeeded national and
international projects in spaces directly relevant to
Loqr. We were in the original team of the only
Portuguese digital certification authority responsible
for, among others, the Portuguese Citizen Card and
Portuguese Electronic Passport. Our 50+ years of
combined experience are directly related to
(cyber)security, digital authentication, digital identity
and digital certification.

Strong Authentication made Simple!
José Dias
info@loqr.io