Customer authentication models in online and mobile environments are evolving. Once widely used solutions, such as one-time codes sent via SMS, are being supplemented by new alternatives for two reasons: cybercriminals are exploiting their vulnerabilities, and the need to improve the user experience, which demands simpler and more reliable processes, is emerging.
Today, organizations must provide solutions that are seamless for users, require minimal effort on their part, and at the same time ensure higher levels of security. Cost efficiency is another critical factor. Mobile identity APIs address all these needs effectively.
While they can complement other authentication methods, mobile ID APIs are more cost-efficient than many alternatives. They provide an initial layer of protection, and for users flagged with irregularities, they prevent companies from having to pay for additional, more expensive layers of control. This is a key advantage for industries such as consumer credit.
Cost structure
Network APIs with a “Know Your Customer” (KYC) focus provide stronger identity assurance, authenticating users through a range of operator-verified data, including subscriber information, SIM card details, and device attributes.
Mobile ID solutions often follow a pricing model based on the number of API calls, with costs varying according to usage. Other models include subscription fees or tiered pricing. In any case, factors such as transaction volume, throughput limits, and API complexity will define the final cost.
Additionally, these tools offer scalability and integration benefits. Being software-based, they are flexible and can be easily integrated or updated with new verification methods.
For companies with fluctuating user bases that require robust, integrated security and real-time monitoring, APIs can be an ideal fit. By embedding external identity verification services into their platforms, organizations avoid the costs of in-house development. In fact, businesses across sectors such as financial services and e-commerce are already adopting this model to strengthen security, streamline customer onboarding, and mitigate fraud.
A promising outlook
Recent estimates from Juniper Research forecast that network API revenues will reach USD 8.1 billion by 2030—a sharp increase from the USD 283 million expected in 2025. According to this analysis, the KYC segment represents the next major opportunity. Of the total forecasted for 2030, USD 4.9 billion will come from network APIs dedicated to authentication and fraud prevention.
Specifically, the report highlights SIM swap detection APIs (which flag recent SIM changes to prevent fraud) and number verification APIs (which confirm device ownership) as “key use cases driving trust in a growing API ecosystem.”
Mobile ID APIs reduce costs in several ways:
• Automating identity verification
• Preventing fraud and identity theft
• Minimizing manual processes
At Plusmo, we offer a suite of Mobile ID APIs through our Plusmo Protect business unit. Our API suite strengthens the security of digital transactions, reduces verification costs, and ensures effortless, streamlined experiences for end customers.
