Systems liveBook a demoSystems liveBook a demoProtectthe Userthe Appthe Devicethe User
Fraud has moved to the device, the app, and the authentication layer. Ektar secures all three — with integrated solutions and proven products built by bankers who know where the gaps are.
Mobile apps, internet banking portals, and payment APIs created an attack surface fraudsters can probe from anywhere, at scale, at near-zero cost. These are the vectors we shut down.
SMS OTP interception
The most exploited authentication method — banned or restricted in five markets.
Closed by ekShield & ekBind
Overlay attacks
A fake screen drawn over the real app captures credentials in place.
Closed by ekProtect
Rooted devices & RATs
Remote access tools drive the session while the customer watches.
Closed by ekProtect
Malware in the app
Runtime injection and tampering inside an otherwise trusted app.
Closed by ekProtect
Forged documents
Salary certificates, statements and letters altered after issuance.
Closed by ekSign
Deepfakes & synthetic IDs
AI-generated identities and documents — up 1,210% in 2025.
Closed by Closed across all three layers
Every solution addresses a distinct layer of fraud risk in banking's digital channels. They work independently and share a common signal layer that makes each one more accurate when deployed together.
Layer 01ekShield · ekBind
Replace SMS OTP with phishing-resistant, device-bound authentication across every channel — mobile, web, call centre, ATM, and 3DS. ekBind adds SIM binding via Silent Network Authentication and Reverse SMS, so a swapped SIM is caught before a transaction proceeds. Compliant with CBUAE, RBI, SAMA, BSP, and MAS mandates.
Layer 02ekProtect
Attest device and app integrity, detect malware, overlay attacks, rooted devices, and remote access tools — from inside the banking app — and suspend the session automatically when a threat is found. Behavioural analysis and ML-driven per-transaction risk decisioning turn every signal into a real-time score. CBUAE-mandated.
Layer 03ekSign
Customers sign inside the banking app or on a bank-branded page, authenticated by the MFA they already use. Each signature is bound to a SHA-256 fingerprint of the document and chained across signatories, so any later alteration fails verification — and the bank keeps the record.
Shared signal layer
all three layers feed one signal layer — each product becomes more accurate with every other product a bank deploys.
Every document a bank issues is signed with an ECDSA key pair at the moment of creation. Alter one character and the signature no longer matches — tampering stops being a judgement call and becomes arithmetic.
Salary certificate · signed
sha256 9c4e·f17b·a208·31dd
sig r/s 3f9a·c2e1
Each can be deployed independently or as part of an integrated platform. All share a common signal layer that compounds in value with every product a bank deploys.
ekShield
Authentication
Device-bound, phishing-resistant authentication across mobile, web, call centre, ATM, and 3DS. White-labelled and live at UAE's 3rd largest bank.
Learn more →ekProtect
Attest & behavioural risk
Embeds in the banking app. Attests device and app integrity, detects malware, overlays, rooted devices and RATs, suspends sessions on detection, and scores risk per transaction.
Learn more →ekBind
SIM binding
SIM binding via Silent Network Authentication and Reverse SMS. Catches SIM swap, port-out, and device change before a transaction proceeds.
Learn more →ekSign
Document integrity
In-channel signing authenticated by the bank's own MFA, plus ECDSA signing and a SHA-256 seal that makes tampering detectable. The bank owns the journey and the audit trail.
Learn more →ekSell
Distribution
Connect banks to retail ecosystems — employers, fintechs, retailers — for cost-effective digital product distribution. Ektar's founding platform.
Learn more →Across the GCC, South Asia, and Southeast Asia, regulators have banned SMS OTP, mandated passkeys, and required real-time malware detection. Every bank in these markets needs what Ektar builds — and many have a hard deadline to decide.
UAE — CBUAE Notice 3057. SMS OTP and email OTP banned. In-app verification, passkeys, and biometrics mandated. Real-time malware session suspension required.
Saudi Arabia — SAMA Counter-Fraud Framework. FIDO2 device-bound credentials mandated. Real-time fraud monitoring required. Penalties up to SAR 5M per breach.
India — RBI Authentication Directions 2025. Sole reliance on SMS OTP banned for high-risk transactions. Real-time risk-based authentication mandatory per transaction.
Singapore — MAS/ABS Directive. SMS OTP phased out for all retail bank digital token users.
Philippines — BSP Circular 1213. Direct prohibition on SMS/email OTP for high-risk banking transactions.
Malaysia — BNM RMiT 2026. Device binding, adaptive MFA, and risk-based authentication mandated for all licensed banks.
The tools most banks rely on were built for a different era. The threat has moved on.
Data / 01
~$485B
Banking fraud losses (2023)
Part of $1.03 trillion in total consumer scam losses globally. Card fraud alone: $33.4B.
Data / 02
+1,210%
AI-enabled fraud (2025)
Deepfakes, synthetic identities, AI-generated documents. Traditional defences cannot keep pace.
Data / 03
93%
Still using SMS OTP
The most exploited authentication method — now banned or restricted across UAE, India, Saudi Arabia, Philippines, and Singapore.