Acceptto monitors user behavior and transactions to create an enhanced user profile for each application landscape. This allows Acceptto to verify that access attempts are legitimate and safe. There are no passwords or tokens required. Acceptto's risk engine determines whether an attempt to access a user's account is legitimate or not. It tracks the user and device postures pre-authentication, during authentication and after-authorization. In an age where identities are constantly being attacked, we provide a continuous, step up authentication process with real time threat analytics. A dynamic level of assurance (LoA), is calculated based on a risk score that we have developed using our AI/ML algorithms. Our machine learning and AI analytics combine to automatically find the best policy for each transaction, maximising security and minimizing friction. This allows for a smoother user experience, without compromising enterprise security.