Oxbury needed to ensure highly secure, seamless authentication for customers accessing its proprietary OxP banking platform. The cutting-edge platform lets farm businesses access innovative banking products and manage their day to day finances, automating and digitizing much of the usual business administration involved in managing farm cashflow. For example, its flagship Oxbury Farm Credit account integrates with accountancy software and other critical services for seamless downloading of invoices to customers’ ledgers.However, the platform’s success and adoption — and Oxbury’s entire business model — depends on delivering a secure, simple digital onboarding and user experience. They wanted their customers to be able to securely access their accounts at any time, from anywhere. They knew that traditional multi-factor authentication would leave security gaps and cause serious friction and usability issues. Another important concern was ensuring compliance with strict UK banking regulations and data privacy laws.

Oxbury chose HYPR to provide a secure platform for its customers to swiftly and securely access their accounts. HYPR’s Passwordless Customer Authentication solution replaces passwords with secure public-key encryption and smartphone biometrics to enable fully passwordless multi-factor authentication (MFA). The team seamlessly integrated HYPR across its iOS and Android mobile applications, completely eliminating the need for passwords. This allowed Oxbury to streamline its login procedures without compromising security or adding authentication complexity. Customers get a consistent login experience whether accessing the platform from a computer or mobile device — desktop browser users receive a push notification on their Oxbury Mobile app to authenticate and gain entry.Upon login, customers can access Oxbury’s OxP banking platform with a range of digital services including competitive savings accounts and farmer-focused Oxbury Farm Credit and Oxbury Farm Loans.