Securing loan processes: Strengthening digital security & enhancing authentication

Our financial client aimed to secure and streamline their online loan processes by modernizing authentication and authorization mechanisms. Through a centralized Keycloak-based IAM solution, we enhanced digital security, enabled smooth integration with external APIs, and ensured compliance with modern standards across all customer channels.

Technologies

Keycloak, OAuth 2.0, OpenID Connect, Keycloak Extensions, eIDAS Certificates, API Federation

Duration

6 months

User browsing digital loan platform on laptop with seamless loan interface displayed

Client

A leading financial institution and subsidiary of one of the world’s largest banks, specializing in consumer finance — including personal loans, car loans, credit cards, and mortgages.

Operating across multiple European markets, the bank focuses on providing a seamless, secure, and user-friendly digital banking experience through continuous innovation and modernization across online and mobile channels.

Challenge

  • Ensuring secure authentication and authorization during the loan application and approval flow.
  • Safely integrating with external APIs used for customer verification and financial data, requiring proper federation and control.
  • Securing extensive communication between internal systems while adopting modern standards such as OAuth 2.0 and OpenID Connect.

6

Team members

6 months

Project timeline

Project journey

To address these challenges, our team designed and implemented an on-premise Keycloak-managed IAM service that centralized identity and access management for all loan-related processes.

Key steps included:

  • Implementing OAuth 2.0 and OpenID Connect to secure communication between customers and internal systems.
  • Using Keycloak extensions to integrate seamlessly with existing banking applications and infrastructure.
  • Establishing secure federation between the bank and external API providers to enable reliable, compliant data exchange.
  • Applying eIDAS-qualified Website Authentication Certificates and Electronic Seals for machine-to-machine authentication and authorization.

Results

  • Centralized and secured IAM platform for all loan processes.
  • Strengthened compliance and security with eIDAS-certified authentication and authorization.
  • Improved customer experience with seamless and consistent access across channels.
  • Simplified management and reduced complexity through unified security policies and controls.

See how we helped a leading European bank secure its digital loan ecosystem

Discover how centralized IAM, API federation, and eIDAS-based authentication enhanced security, simplified operations, and improved customer trust.

Discuss your project
  • Business agreement representing client onboarding after Keycloak scaling success
  • Development team scaling Keycloak for enterprise-level user authentication