Use Cases: Fintech & Healthcare

What is Identity Proofing in CIAM?

Identity proofing is how you verify that someone's claimed identity actually matches who they are in the real world. Think about it—when someone creates an account or attempts a high-value transaction, how do you know they're not a bot or a bad actor using stolen credentials?

This process involves checking "real-world" documents like government-issued IDs, passports, or biometrics. The goal? Making sure there's an actual human behind that screen.

We've come a long way from security questions like "What's your mother's maiden name?" (which, let's be honest, weren't that secure to begin with). Today's identity proofing uses Document-Based Verification with AI-powered scanning of driver's licenses, plus Biometric Matching that compares a live selfie to an ID photo. This creates what we call a "trusted foundation" for the digital relationship—once someone's verified, organizations can confidently give them access to sensitive services.

LoginRadius strengthens this process by integrating with specialized identity verification providers and offering robust Multi-Factor Authentication (MFA). Once a user's been proofed, our platform secures their ongoing access through phishing-resistant methods like Passkeys and WebAuthn.

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How Does CIAM Support Banking and Fintech Apps?

For banking and fintech, CIAM is really about maintaining digital trust without making customers jump through hoops. Financial institutions face a tough balancing act: they need to meet strict requirements like Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations, but customers still expect things to be convenient. CIAM provides a unified identity layer that lets users move between banking portals, mobile apps, and investment tools through Single Sign-On (SSO).

But it's not just about convenience. CIAM acts as a frontline defense against fraud. Using Risk-Based Authentication (RBA), fintech apps can watch for red flags—unusual login locations, suspicious device fingerprints, or "impossible travel" scenarios where someone appears to log in from two continents within minutes. For trusted users, the system stays invisible. But when something looks risky? That's when it triggers a step-up challenge, like a biometric scan.

LoginRadius is built to handle the massive scale of the financial sector, supporting up to 240,000 requests per second with a 100% uptime SLA. Our platform’s Adaptive MFA and end-to-end encryption ensure that sensitive financial data remains protected against credential stuffing and account takeover (ATO) attacks.

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How Does CIAM Support Fintech Applications?

Fintechs really benefit from CIAM's ability to enable ecosystem growth through Identity Federation. Here's the reality: fintechs don't operate in isolation. They're constantly integrating with third-party payment processors, credit bureaus, and banking partners. A CIAM platform serves as the secure connector, using protocols like OpenID Connect (OIDC) and SAML. Users can securely share their data with partner apps without ever exposing their primary credentials.

There's also the complexity of Delegated Access Control to consider. For B2B fintech services or corporate banking, CIAM lets administrators manage hierarchical roles and permissions for their employees. A treasury manager obviously needs different access levels than a junior analyst—and all of this gets managed within a centralized, auditable identity framework.

With LoginRadius, fintechs can accelerate their time-to-market using our extensive library of over 150 pre-built integrations. Our API-driven architecture allows for deep customization of the user journey, so your brand’s unique trust signals show up throughout the customer relationship.

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How is CIAM Used in Healthcare?

In healthcare, CIAM is how you achieve "One Patient, One Account" across what's often a fragmented mess of telehealth apps, patient portals, and insurance sites. By unifying patient identities, providers can deliver more personalized care—think automated medication reminders or customized health plans based on verified profile data.

But identity in healthcare goes beyond patients. You've also got to manage secure access for doctors, specialists, and even family members who might have permission to view a patient's records. This ensures Protected Health Information (PHI) only reaches authorized individuals, cutting down on accidental data leaks or unauthorized access.

LoginRadius supports healthcare providers by ensuring that all patient data is stored in HIPAA-compliant environments with granular Role-Based Access Control (RBAC). Our platform's audit logs provide a clear record of every data access event, making it easier to satisfy strict regulatory reporting requirements.

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How Does CIAM Support Healthcare Applications?

Healthcare applications use CIAM to solve a tricky problem: balancing friction against security for patients who might not be particularly tech-savvy. By offering Barrier-Free Authentication methods—voice-based OTPs, biometrics, or social logins—providers make it easy for patients to access test results or book appointments without wrestling with complicated password requirements.

Then there's Consent and Preference Management. Healthcare apps need to capture and store explicit user consent for data sharing and marketing, especially under GDPR or CCPA. A specialized CIAM solution gives patients a self-service portal where they can see exactly what data they've shared and revoke permissions whenever they want. That builds real, long-term trust.

LoginRadius enhances healthcare apps with Progressive Profiling, allowing you to collect health interests or demographic data gradually instead of overwhelming people during registration. Our Auth Studio enables you to brand these touchpoints consistently, ensuring that every interaction feels safe and professional.

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See how we help banks and financial institutions (link)