Case Study: Leading Fintech Company achieves 93% user opt-in for location-based account security with Incognia

Fintech achieves 93% user opt-in for location-based account security on Mobile App

Leading Fintech Company, a retail finance provider with ~500,000 active mobile users and private‑label credit offerings, faced rising fraud risk as it added in‑app financial features (third‑party coupon purchases and personal loans). To enable frictionless, stronger account security the company selected Incognia’s location identity solution to support Zero‑Factor Authentication, but needed to increase the app’s location‑permission opt‑in rate (previously ~45%) by redesigning the UI/UX and messaging.

Working with Incognia, Leading Fintech Company implemented a targeted pre‑permission screen shown during sensitive flows (loan requests and voucher purchases), with clear, transparent messaging and an OS permission handoff only after acceptance. The joint implementation drove opt‑in from 45% to 93% (exceeding an 80% target), produced no uptick in support requests, and enabled Incognia’s zero‑factor authentication to secure more accounts without adding user friction.