Comviva and Aduna are pushing telecom network intelligence deeper into banking and fintech, demonstrating technology that can help financial institutions detect SIM swaps, verify mobile numbers and strengthen digital identity checks.
The companies are showcasing the technology at Money20/20 USA in Las Vegas, where they are highlighting how information held by mobile networks can provide banks with another layer of fraud detection beyond passwords and one-time passwords.
The demonstration builds on a partnership between Comviva and Aduna announced in November 2025 rather than representing a new alliance.
Their focus now is getting network APIs into practical financial-services workflows such as onboarding, authentication and fraud prevention.
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Banks Can Check the Mobile Network Before Trusting a Login
A central use case is SIM-swap detection.
SIM swapping happens when a criminal gains control of a victim’s mobile number by moving it onto another SIM card or device.
That can become particularly dangerous when banks rely heavily on SMS OTPs to authenticate transactions.
If the attacker controls the phone number, receiving the OTP may no longer prove that the real customer is carrying out the transaction.
Network APIs give banks another source of information.
A SIM-swap API can allow an authorised application to check whether a mobile number has recently moved to another SIM.
If a swap has just occurred, a bank could treat a login or payment as higher risk and ask for additional verification.
Number-verification APIs can similarly confirm whether the phone number being presented by an app matches the number associated with the device on the mobile network.
The aim is to verify identity without forcing customers to repeatedly type OTPs.
Comviva Uses NGAGE as the Access Layer
The partnership centres on Comviva’s NGAGE platform.
NGAGE gives enterprises a single interface through which they can access communications and telecom-network APIs.
Comviva says the platform supports more than 7,000 enterprises, over 40 deployments and more than 100 use cases.
It handles more than 130 communications APIs and over 25 network APIs while processing more than 250 billion messages annually.
Aduna provides access to standardised network capabilities drawn from participating telecom operators.
Its ecosystem includes major operators such as Bharti Airtel, Reliance Jio, AT&T, Deutsche Telekom, Orange, T-Mobile, Verizon, Vodafone and others.
The APIs are based around common standards including the CAMARA open-source project and GSMA Open Gateway.
That standardisation is important because banks operating across countries do not want to build completely different integrations for every telecom operator.
A common API model can make the same fraud-detection function available across several mobile networks.
Network Intelligence Could Reduce Dependence on OTPs
One of the broader goals is to make authentication less dependent on SMS codes.
OTPs remain widely used because they are simple and familiar.
But they can be weakened by phishing, malware, social engineering and SIM-swap attacks.
Network-based verification can operate in the background.
Instead of asking the customer to enter a code, a banking application could potentially check directly with the telecom network whether the device and number relationship appears legitimate.
This does not mean network APIs eliminate fraud.
Criminals can use stolen devices, compromised applications, social engineering and other methods that do not depend on SIM swaps.
The technology therefore works best as another risk signal rather than a single security control.
Comviva and Aduna say banks could combine these signals with existing fraud systems to decide whether a transaction should proceed normally or require additional verification.
Lending and Payments Could Come Next
The companies are also looking beyond login security.
They say network information could eventually support lending risk assessments, payment intelligence and other financial applications.
Mobile-network data can reveal technical signals about a device or connection that may help financial institutions detect suspicious behaviour.
However, wider use of network intelligence also raises privacy and governance questions.
Financial institutions need clear rules governing what telecom information can be accessed, why it is needed and how long it can be retained.
The commercial push therefore depends not only on technical availability but also on consent, data-protection requirements and financial-sector regulation in each market.
Comviva says its collaboration with Aduna and parent company Tech Mahindra will help take the technology to banks and fintech companies across multiple regions.
At Money20/20, the companies are positioning telecom networks as an active security layer rather than simply the infrastructure carrying banking messages.
That could become increasingly important as instant payments and digital banking reduce the time available to identify suspicious transactions.
What this means for you:
Banks may increasingly verify your mobile identity directly with telecom networks instead of relying only on SMS OTPs. That could reduce some SIM-swap and account-takeover risks, although it will not replace broader fraud controls.
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