Winjit launches AuthSense for risk-adaptive digital-payment authentication
Winjit Technologies has introduced AuthSense, a behavioural-intelligence platform designed to help financial institutions and payment providers apply risk-adaptive authentication in line with RBI digital-payment directions.
What happened
Winjit Technologies launched AuthSense at Global Fintech Fest 2026, offering behavioural-intelligence-led, risk-adaptive authentication for Indian financial
Key facts
- 2026
- 2025
- two authentication factors
- more than 80 countries
- 2020
- 2023
Why this matters
Winjit’s entry creates a potential partnership or acquisition target category for banks, PSPs and commerce platforms seeking RBI-aligned adaptive-authentication capabilities.
What to watch
- RBI clarification, supervisory action or audit expectations around risk-based authentication and alternative authentication factors.
- Production deployments or customer wins involving large Indian banks, UPI participants, card issuers or payment gateways.
- Measured reductions in OTP challenges, payment abandonment, fraud losses and manual-review rates.
- Growth in account-takeover, mule-account or synthetic-identity fraud despite lower card-not-present fraud.
- Data-privacy scrutiny around behavioural biometrics, consent, data retention and cross-border processing.
- Payment gateways package risk-based authentication APIs and merchant dashboards alongside fraud-management tools.
- Banks test behavioural intelligence against OTP failure, checkout abandonment, fraud-loss and false-positive rates.
- Merchants segment checkout flows by transaction value, device trust, returning-customer status and payment method.
- Identity, device-fingerprinting and cybersecurity vendors pursue partnerships with Indian PSPs, acquirers and core-banking integrators.