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<h1>PayTech launches Intelligent Authentication Suite to replace OTPs with biometrics, passkeys, merchant/bank-in-app and risk-based orchestration</h1> A payments firm announced an 'Intelligent Authentication Suite' intended to help issuers and merchants comply with the central bank's new risk-based authentication guidance by moving beyond OTPs to biometric-first, passkey, merchant-in-app and bank-in-app authentication, supported by an orchestration engine that selects methods based on ACS capability, risk and user behavior. The suite, developed by a PayTech subsidiary of a fintech platform in partnership with a global card network, aims to reduce OTP failures, fraud and SMS costs, accelerate transaction approvals and shift liability/operational reliance toward device-based public-key authentication. Regulatory compliance and implementation of APIs/SDKs remain material operational considerations.