LITTLETON, CO [March 16, 2023] – Bonifii announces today that 4Front CU has expanded its MemberPass authentication solution, that is powered by Entersekt, to bring biometric authentication to members for online and mobile banking systems. 4Front CU had already been leveraging Bonifii’s MemberPass member authentication service for its call center, branch, and ITM’s. The addition of Entersekt for digital banking provides passwordless, biometric authentication to members logging into its digital banking platform, thus reducing the reliance on SMS one-time passwords (OTP) and knowledge-based authentication to protect against account takeover fraud schemes, including SIM swap and phishing attacks.

By adding the extended authentication capabilities of Entersekt for their digital banking platform, 4Front CU members can now seamlessly authenticate their identity and sensitive transactions using biometric authentication across all channels.

“Ensuring the financial protection of our members is paramount to our mission and strategy at 4Front,” Jack Martin, Chief Innovation Officer at 4Front Credit Union. “MemberPass enables leading-edge authentication for our call center, branches and ITM’s. MemberPass’ extended functionality from Entersekt provides unmatched biometric authentication for our digital banking platform, while being in tune with members’ unique preferences for user login and payments.”

“Forward-looking financial institutions are realizing that they can now offer more secure, user-friendly login and payment experiences that protect against modern fraud schemes without unwanted friction,” said Schalk Nolte, CEO at Entersekt. “We are empowering our customers to conquer fraud and move towards a passwordless, Context Aware authentication strategy.”

“MemberPass credit unions have led the industry in enabling advanced technologies to authenticate members across multiple channels including contact center, branches, and ITM’s” added John Ainsworth, President/CEO at Bonifii. By further leveraging the capabilities of Entersekt, MemberPass further extends their protection to include user login for online and mobile banking.”

Multi-factor authentication needs to fulfill two of the three elements:

  • What you know: Something that the member knows like a password or in this case an SMS OTP
  • What you have: Something that the member possesses like a mobile device or a computer
  • What you are: Something that the user is; namely, biometrical information like a fingerprint

When a member logs into their credit union profile, two of the three factors listed above should be independent of each other, to make it difficult for cybercriminals to access their account. Ideally, the authentication method should strike a balance between robust security and a smooth experience. 4Front extended MemberPass powered by Entersekt across all channels to provide a safer alternative to SMS OTP’s which are easily intercepted by fraudsters and is susceptible to SIM-swap fraud as well. According to the FBI, $68 million was lost to SIM swap attacks in 2021 alone.

Members who enrolled in MemberPass found the biometric authentication “fast and easy,” with others saying that they are more inclined to use this method going forward. 4Front’s extension of MemberPass powered by Entersekt’s advanced authentication on their digital banking platform enables members to register their devices on both channels, providing easier authentication for login and high-risk transactions.

About 4Front Credit Union

Celebrating over 70 years in Michigan, 4Front Credit Union serves over 98,000 members, with assets of over $1 billion and 18 locations. As a not-for-profit cooperative, 4Front prides itself on making banking smart and simple for its members, wherever they are on their financial journey. Membership eligibility is open to anyone living, working, attending school, or worships in Michigan.

About Bonifii

Bonifii, a credit union service organization, offers MemberPass, a simple, secure, and convenient form of digital identity verification. MemberPass gives credit union members easy access to their financial accounts while it proactively prevents fraud and keeps their private personal information secure. Visit to learn more.

About Entersekt

Entersekt ensures that digital financial transactions are secure and free from unnecessary friction. The company provides a single cross-channel platform for financial services institutions to meet authentication requirements and optimize user experiences. With a range of options available for deployment and configuration, Entersekt’s solutions are fully customizable across all channels and devices. A strong track record of over ten years’ working with leading financial services institutions across the United States, Europe, and Africa, combined with multiple patented security innovations, has established Entersekt as global industry leader in authentication. Backed by companies like Silicon Valley-based Accel-KKR, one of the world’s top private equity firms, Entersekt continues to expand its footprint across key regions. For more information, visit