---
url: 'https://www.corbado.com/faq/integrate-passkeys-mobile-banking'
title: 'How can passkeys be integrated into mobile banking apps?'
description: 'Passkeys can be integrated into mobile banking apps using WebAuthn APIs, biometric authentication, and secure key storage for seamless login.
'
lang: 'en'
keywords: 'passkeys mobile banking'
---

# How can passkeys be integrated into mobile banking apps?

## How Can Passkeys Be Integrated into Mobile Banking Apps?

Banks looking to **enhance security and streamline authentication** can integrate
**passkeys** into their **mobile banking apps**. Passkeys provide a **passwordless,
phishing-resistant login experience** while ensuring **compliance with PSD2 Strong
Customer Authentication (SCA)**.

### 1. Use WebAuthn and Platform-Specific APIs

To integrate passkeys, mobile [banking](https://www.corbado.com/passkeys-for-banking) apps must use **WebAuthn**,
a standardized authentication protocol that enables secure, device-bound authentication.
Integration steps include:

- **iOS (Apple Passkeys via iCloud Keychain)**
    - Use **AuthenticationServices.framework** to manage passkey registration and
      authentication.
    - Leverage **Face ID or Touch ID** for seamless authentication.
    - Store passkeys in **iCloud Keychain** for multi-device access.
- **Android (Google Passkeys via Google Password Manager)**
    - Use **Google Play Services Credential Manager API** for passkey handling.
    - Enable [biometric authentication](https://www.corbado.com/blog/passkeys-biometric-authentication) with
      **FingerprintManager or BiometricPrompt API**.
    - Store passkeys in
      [**Google Password Manager**](https://www.corbado.com/glossary/google-password-manager)
      for cross-device synchronization.

### 2. Enable Biometric Authentication for Seamless Login

Passkeys **eliminate passwords** by binding authentication to a user’s device and
biometrics. Mobile [banking](https://www.corbado.com/passkeys-for-banking) apps can:

- Use **Face ID, Touch ID (iOS)** or **Fingerprint/Face Unlock (Android)** for
  [passkey login](https://www.corbado.com/blog/passkey-login-best-practices).
- Offer a **fallback PIN-based authentication method** for users without biometrics.
- Provide a **one-tap login** experience without requiring passwords or SMS OTPs.

### 3. Securely Store and Manage Passkeys

Passkeys are stored **securely in platform-managed credential vaults** like:

- **iCloud Keychain (Apple)**
- **Google Password Manager (Android)** These storage methods ensure **private key
  encryption**, preventing unauthorized access while allowing **cross-device
  synchronization**.

### 4. Ensure Compliance with PSD2 and Strong Customer Authentication (SCA)

For mobile [banking](https://www.corbado.com/passkeys-for-banking) apps in the **EU market**, passkeys must
comply with **PSD2 SCA requirements**, which mandate:

- **Possession factor** – The registered device acts as proof of ownership.
- **Inherence factor** – Biometrics (Face ID, Touch ID) fulfill the second factor.
- **Dynamic linking** – Passkeys can generate transaction-specific authentication codes
  for secure [payments](https://www.corbado.com/passkeys-for-payment).

### 5. Provide a Smooth User Experience and Onboarding

To drive adoption, banks must **simplify passkey registration and login**:

- Allow **easy passkey setup** during app onboarding.
- Educate users on the **security benefits of passkeys** over passwords.
- Provide **secure fallback options** like recovery codes or secondary authentication
  methods.

### Conclusion: Secure, Phishing-Resistant Mobile Banking

By integrating **passkeys with WebAuthn, biometrics, and platform credential managers**,
banks can **replace passwords, improve security, and enhance user experience**. **Passkeys
ensure PSD2 compliance**, provide **frictionless authentication**, and protect users from
[phishing](https://www.corbado.com/glossary/phishing) attacks.

## Read the full article