Enhancing Digital Trust: How LOQR Implements Multi-Factor Authentication Throughout the User Journey

In today’s digital world, where data breaches and identity fraud are increasing, security is crucial, and one of the most effective ways to protect user identities and sensitive data is Multi-Factor Authentication (MFA). 

At LOQR, where digital identity orchestration is at the core of our Platform, continuously improving MFA is a strategic step towards building trust and enabling secure digital experiences from the very beginning.

What Is Multi-Factor Authentication (MFA)? 

MFA is a security method that requires users to verify their identity with two or more factors before accessing an application or service. These factors usually fall into three categories: 

– Something you know: Passwords or PINs
– Something you have: Mobile device, token
– Something you are: Biometrics like fingerprint and facial recognition 

By combining multiple factors, MFA provides an extra layer of security, greatly reducing the risk of fraud and unauthorised access – even if one factor is compromised.

Why MFA Matters in Digital Identity Solutions

As identity verification becomes the new security standard, MFA serves as a critical barrier against fraud, account takeovers, and data manipulation. It boosts compliance, enhances user trust and confidence, and strengthens security across digital environments. 

For Platforms such as the one LOQR offers, which handle sensitive identity-driven workflows such as onboarding, account opening, identity verification, and data updates, MFA isn’t just a feature, it’s a security foundation.

How LOQR Incorporates MFA Across Key Use Cases 

Secure Digital Onboarding
During onboarding, LOQR already uses document validation and biometric checks. Adding MFA, such as a one-time passcode (OTP) sent to a verified device or biometric confirmation, further verifies that the person starting the onboarding is the rightful identity owner. 

Account Opening and Access
In situations like opening a bank account or accessing restricted services, MFA provides an additional layer of security. LOQR incorporates time-based OTPs, push notifications for approval, or biometric re-authentication, thereby complying with regulatory standards such as PSD2 or eIDAS.

Sensitive Data Updates
When users update personal information, such as address, email, phone number, or linked credentials, MFA helps prevent unauthorised changes. LOQR can trigger authentication validation, like facial verification, before accepting the update.

Continuous Authentication
Along with one-time checks, LOQR can deploy adaptive MFA throughout a user’s lifecycle. Using contextual risk signals (location, device), it can request extra factors dynamically, ensuring ease of use and security.

A Frictionless and Secure Experience 

What makes LOQR’s approach to MFA unique is its seamless coordination. We blend security with user experience, ensuring that authentication flows are intuitive, fast, and consistent with brand identity. Our Platform can dynamically trigger MFA based on transaction type, risk score, or compliance needs.

Whether integrating biometric checks, device-based approvals, or traditional OTPs, LOQR enables organisations to customise MFA policies for each use case, customer segment, or jurisdiction without requiring extensive development effort.

Multi-Factor Authentication is increasingly essential, and at LOQR, we are dedicated to helping organisations build secure, compliant, and user-focused digital identity journeys. By integrating MFA into our Platform’s main workflows, we help our partners protect what matters most: trust. 

Ready to add an extra layer of security to your digital identity workflows?
Talk to an expert to learn more about how LOQR can help you implement MFA across your onboarding, authentication, and identity management processes.