DXC & YEO team up on continuous bank identity checks

DXC and YEO have formed a partnership focused on identity assurance in financial services, centred on digital banking and payments.

The companies will combine DXC's work with financial institutions and YEO's Continuous Facial Recognition software development kit to address identity checks beyond login. The initial focus is on banks, payments providers and other regulated firms.

The partnership is aimed at a growing problem for financial institutions as more customer activity moves online. Traditional authentication confirms a user at the start of a session, but does not verify that the same person remains in control throughout the interaction.

That gap has become more pronounced as fraud methods evolve. Account takeover, session hijacking and AI-enabled impersonation are among the risks the companies say are increasing pressure on banks handling high-value transactions and sensitive customer data.

YEO's technology is designed to provide continuous identity verification during a digital session, rather than only at onboarding or login. Its software uses on-device biometric processing and is aimed at regulated and high-trust environments.

DXC brings sector knowledge from its work with financial services clients. Through the partnership, the companies want to help institutions assess ways to strengthen digital trust while maintaining customer access through mobile apps and online services.

Fraud pressure

Financial services groups have increased spending on digital channels, but that shift has also expanded the scope for fraud and impersonation. Institutions are under pressure to balance stronger security controls with customer expectations for low-friction digital experiences.

The companies positioned continuous identity assurance as one part of a broader authentication model. They pointed to behavioural biometrics, network signals and device intelligence as additional layers that can help monitor whether the person behind a session remains the authorised user.

"AI-enabled fraud and digital impersonation are changing the nature of the threat facing financial institutions. Banks have invested heavily in securing the point of login, but authentication alone cannot guarantee that the same individual remains in control throughout a digital interaction. That is a significant gap, particularly when high-value transactions and sensitive customer information are involved," said Christo Conidaris, Chief Revenue Officer at YEO.

He said the issue reflects a wider shift in how fraud prevention is being structured in financial technology and banking systems.

Conidaris added: "The next generation of FinTech fraud prevention will depend on a layered approach, combining behavioural biometrics, network and device intelligence with continuous identity assurance. Each provides a different piece of the puzzle, but together they offer a more complete picture of who is behind a digital interaction."

Sector focus

The collaboration will start in financial services, where regulation, customer protection and fraud controls place extra demands on identity verification. Banks and payments businesses are being asked to strengthen safeguards while continuing to push digital-first service models.

YEO said its products are used in sectors including financial services, government, cyber security, insurance and professional services. In each of those markets, identity and accountability are central to how organisations manage digital interactions.

For DXC, the agreement adds a specialist identity tool to its offering for regulated clients. For YEO, the partnership provides a route into financial institutions seeking more persistent methods of verifying the person behind an online session.

Conidaris said the partnership is intended to move institutions beyond one-off checks at the start of a customer journey.

He added: "Our partnership with DXC brings together its extensive financial services expertise and YEO's Continuous Facial Recognition technology to address this challenge. Together, we want to help financial institutions move beyond one-time authentication towards a model of continuous trust, strengthening security throughout the customer journey without introducing unnecessary friction for legitimate users."