Protect every interaction without slowing the experience
Deliver intelligent, frictionless security that safeguards customers, businesses, and institutions without compromising growth or experience.
Trust is now the foundationof digital banking
Candescent embeds identity, authentication, and fraud protection directly into the digital banking experience to protect every interaction, transaction, and relationship.
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Security as an operating layer
By embedding identity, authentication, and fraud protection directly into the Candescent Intelligent Banking Platform, institutions can secure users, accounts, and transactions as activity happens, without adding friction or complexity.
This intelligent security layer enables institutions to:
- Risk mitigation and fraud prevention: Prevent unauthorized transactions for businesses and consumers from fraudulent ACH payments to remote check deposits–increasing operational efficiency and minimizing manual reviews.
- Perimeter and access protection: Apply layered controls and countermeasures to mitigate incidents directly within the Intelligent Banking platform to help keep fraudulent parties out–taking protection to the next level.
- Data governance and regulatory control: Enforce strong data protection, privacy, and access controls that align with regulatory standards while supporting institution-specific security and compliance requirements
- AI-powered threat intelligence: Leverage AI and machine learning to help prevent fraud on a continuous basis, which provides robust security, a seamless experience for your users, and a decrease in fraud financial losses–all on a scalable platform.
The experience
Security should be invisible to users and impenetrable to attackers.
Behind the scenes, Candescent continuously analyzes risk signals to detect and stop threats before they become losses.
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Core outcomes
- Prevent fraud and financial losses
- Protect customer identities across all channels
- Reduce operational and compliance risk
- Strengthen trust with a frictionless digital experience
Why this is different
When protection is unified and built in, adoption and confidence increase naturally.
Real outcomes validated through a published Candescent client story:
- 33% increase in digital feature adoption, driven by a more intuitive, secure user experience
- Faster delivery of new capabilities and updates, improving responsiveness to threats and user expectations
- Improved usability, providing customers with stronger confidence in digital self‑service

Extend business security through the marketplace
Activate pre-integrated partner solutions that expand Identify & Business Security without adding complexity, operational burden, or disconnected experiences.
Explore Intelligent Banking solutions
Reimagine your account opening, digital banking and branch experiences with our integrated Intelligent Banking platform.
Account Opening
Digital Banking
Digital Branch
Consumer deposits
Real estate
Consumer loans and cards
Small business and commercial deposits
We're here to help
We can help you take the guesswork and complexity out of finding the right solutions.
