In today’s digital-first environment, verifying customer identity quickly and securely is a strategic priority across industries. Around the world, this validation often relies on national ID systems or credit bureaus that consolidate financial and behavioral data. For example, in Argentina, traditional tools include the Digital Identity System through biometric validation provided by Renaper, or credit history checks via Veraz. However, these controls often involve high costs, prompting many organizations to seek more cost-effective mechanisms that do not compromise the user experience.

To address this challenge, a growing number of companies are adopting mobile identity APIs. These solutions tap into mobile network operator data—such as SIM activity, recent SIM changes, line status, and usage patterns—to authenticate users in real-time, silently, and without friction. The result is a streamlined, silent process that complements traditional verification methods while providing a highly effective first layer of security.

Because they can be integrated with existing authentication systems—ranging from biometric verification to credit scoring engines—mobileID APIs are becoming a key tool for strengthening digital authentication, improving customer onboarding, and preventing fraud detection from the very first interaction.

Economic benefits
Mobile ID APIs enhance security while significantly reducing costs. On one hand, they automate identity verification tasks that would otherwise require manual intervention or more expensive tools. This streamlines processes, reduces workload, and minimizes errors.

On the other hand, they act as an initial control layer. If an anomaly is detected at this early stage—such as a fraudulent SIM swap or device-line inconsistencies—the organization can avoid paying for more expensive downstream checks, including document verification or additional credit risk assessments.

Additional cost savings
The financial impact is also evident in fraud prevention. One concrete example: Argentine fintech Movypay reduced chargeback fraud by 80% within six months after integrating a SIM Swap API to detect fraudulent SIM card changes. Results like these lower financial losses and reduce costs tied to claims management, customer support, and investigations.

Moreover, by using identity verification APIs as external services, organizations avoid building in-house fraud detection solutions from scratch. This is especially valuable for fintech, digital banks, micro-lending companies, and e-commerce platforms that need to scale quickly without overburdening technology teams.

Market outlook
Juniper Research projects steady growth in network APIs for identity verification and fraud mitigation throughout this decade, fueled bydemand for secure, automated, and frictionless solutions.

At Plusmo, we offer a suite of mobile ID APIs designed to strengthen identity verification and prevent fraudfrom the very first touchpoint. Our tools detect anomalies early, cut operational costs, and deliver seamless, secure customer experiences.