EnStream…Securing Mobile Transactions

EnStream, a joint venture of Canada’s national mobile telecom companies, Bell, Rogers and TELUS, provides services to enhance the security of on-line transactions, especially those using mobile devices. EnStream currently offers subscriber verification services and delivery of payment credentials to mobile devices, with other services in development.

Customers are increasingly relying on their smartphones to execute transactions, access content, manage commercial relationships, control home security, transmit private information and conduct other such activities.   Much of this communication is sensitive, and security concerns can be a barrier to deployment and adoption of some services.

With the right tools, communication over the smartphone can be made more secure than that over other internet connected devices, since the smartphone is managed by a mobile network operator (MNO). The MNO’s core business is secure network and device management, including confirming the location of the device, authorizing its access to the network and tracking its usage against the account of a known subscriber.  This level of device security is now available to other service providers seeking to engage with their customers over mobile devices. What’s more, EnStream delivers across all national MNOs through a single business and technical interface, with other MNOs being added to provide complete coverage.

EnStream is deeply integrated into the systems of Canadian MNOs. With customer consent, EnStream can confirm the identity of the mobile account holder and the location of the smartphone, and provide other services to secure the communication between the service supplier and the customer. Because we leverage existing MNO network management tools, this is done dynamically, behind the scenes. Using EnStream’s services, the service supplier can enhance the security of their transactions and leverage mobile account information to establish new customer accounts over the mobile device, while reducing fraud risk.


Our customers include financial institutions, credit bureaus, and other online service providers, who use EnStream to enable a wide range of mobile-based identity verification, fraud management and payment services from Canadian telecoms including Bell, Rogers, TELUS, Sasktel, MTS and Videotron.  Services currently enabled include:

  • Mobile number verification
  • Name and address verification
  • Account type and status
  • Location verification and
  • NFC credential delivery and management services.

EnStream connects to trusted partners through a series of secure cloud based online and mobile API’s and platforms. EnStream adheres to the strictest security, privacy and end-user consent policies in order to protect every mobile subscriber’s information.



What's New

America’s largest mobile-first bank enhances app with best-in-class fraud and compliance solutions for the Financial Industry San Jose, CA, December 14, 2016–Danal, Inc., a global leader in mobile identity and authentication solutions, today announced that BankMobile is now utilizing Danal’s Mobile Identity solution. This will strengthen BankMobile’s mobile banking products by making them more secure… Read More

Continue Reading

Phone carriers and banks have gained confidence in using mobile data for lending after seeing startups show preliminary success.  Financial institutions, overcoming initial trepidation about privacy, are increasingly gauging consumers’ creditworthiness by using phone-company data on mobile calling patterns and locations. The practice is tantalizing for lenders because it could help them reach some of… Read More

Continue Reading

Activation rates for the NFC mobile transit solution introduced by NXP and handset manufacturer Xiaomi in China have grown more than 15% in Shanghai and over 20% in Shenzhen since services on the Mi 5 smartphone launched in June 2016. The service has subsequently rolled out to four additional parts of the country: Beijing, Guangdong Province, Wuhan and… Read More

Continue Reading

By Peter Tapling:  Data breaches continue to increase in frequency as other fraud schemes persist, causing losses for financial institutions, merchants and customers alike. Improving identity risk management for all customer-facing channels has become imperative. However, authentication today is overly intricate. Banks must therefore consider the opportunities available to apply mobile technology to simplify authentication,… Read More

Continue Reading

Fraudsters seem to have embraced the Puritan work ethic: Idle hands are the devil’s workshop. And they’ve been anything but idle. The hot-off-the-presses Global Fraud Attack Index™ shows that fraud attacks have jumped 137 percent over the four quarters ending March 2016. The index reveals the tools the fraudsters are using to launch their attacks… Read More

Continue Reading

Consumers want digital banking apps to be secure, but they don’t want security to interfere with their digital banking experience. John Dancu, CEO of IDology, tells PYMNTS that finding that balance could be among the biggest challenges for banks looking to strengthen their digital/mobile solutions. Dancu shared his view on digital banking’s delicate dance between… Read More

Continue Reading
Read the Latest