Case Study: Banno strengthens account security and streamlines 2FA enrollment with Twilio Authy

Banno Modernizes Community Bank Security Practices With Authy

Banno provides online and mobile banking platforms for hundreds of community banks and credit unions, but faced the challenge of modernizing account security as consumers demanded convenient, mobile-first experiences and traditional security questions proved inadequate against breaches and account takeovers. Customer and regulatory expectations made two-factor authentication (2FA) a required element of enrollment and high-risk transactions.

Banno integrated the Twilio Authy API to offer SMS, voice, and app-based 2FA—white‑labeled per bank—while hardening APIs, adding rate limits, and using Authy’s management console for monitoring and troubleshooting. The result is a streamlined, secure enrollment that asks for less customer data, stronger protection for high-value transactions, low support volume and high uptime, and flexible controls that support ongoing security improvements.

Banno

Todd Munnik

Engineering Manager