PLDT Enterprise, the corporate business arm of PLDT Inc., is introducing SmartSafe SilentAccess, a network-based authentication solution that aims to replace one-time passwords (OTPs) and reduce fraud in digital transactions.
The technology uses Smart Communications Inc.’s nationwide network to verify users directly and in real time, allowing secure logins and transactions without the need for SMS-based OTPs, which are vulnerable to phishing and other scams.
“We envision PLDT to be the first to transition beyond OTPs in the country,” said Blums Pineda, SVP and head of the Enterprise Business Group at PLDT and Smart.
SmartSafe SilentAccess is part of PLDT’s upcoming SmartSafe fraud management API suite, which will provide tools for enterprises to strengthen user authentication and guard against cyberattacks.
“SmartSafe SilentAccess delivers certified authentication without OTPs, working invisibly in the background,” said Nico Alcoseba, FVP and head of product management at PLDT Enterprise. “It is about making security effortless for end-users, while giving enterprises the strongest and safest possible defense against digital fraud.”
SmartSafe SilentAccess also supports Bangko Sentral ng Pilipinas Circular No. 1213, which encourages financial institutions to move away from SMS-based OTPs, as well as directives from the National Telecommunications Commission and National Privacy Commission to improve consumer protection in digital channels.
The SmartSafe API suite will include tools for preventing SIM swap fraud, verifying network location, enabling safer roaming access, and supporting Know-Your-Customer (KYC) processes.
“SilentAccess is just the beginning,” Pineda said. “As the first telco to bring this level of authentication to the market, we are taking the lead in building the safest digital environment for every Filipino.”
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