![IMB Bank](https://cdn.prod.website-files.com/67053868fc01e494462e71c9/67ed1df8242bb662a6386690_logo-imb-white.svg)

# Qualify IMB Bank’s leads more efficiently with a secure solution

- OTPAuthentication workflow
- 100%Fraudulent submissions eliminated
- 3Levels of protection

[Visit website

](https://www.imb.com.au/)![Modern reception area of an IMB Bank branch featuring a spacious double-height lobby, floor-to-ceiling glass façade, contemporary security gates, natural daylight, and prominent IMB Bank branding.](https://cdn.prod.website-files.com/67053868fc01e494462e71c9/6a71f8bfde6eb46cccb7569b_main-imb-bank.jpg)![](https://cdn.prod.website-files.com/plugins/Basic/assets/placeholder.60f9b1840c.svg)[Work with Digidop

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- ![A woman holding her phone, with a notification window showing the reception of a verification code](https://cdn.prod.website-files.com/67053868fc01e494462e71c9/68e65b965ead11a26ff13e9f_code-imb-bank-en.avif)
- ![A woman passing the verification process with a success interface](https://cdn.prod.website-files.com/67053868fc01e494462e71c9/68e65badc33bfe7dfb6f9bf2_verify-imb-bank-en.avif)
- ![](https://cdn.prod.website-files.com/plugins/Basic/assets/placeholder.60f9b1840c.svg)

IndustryFinanceYear2025ServicesEnterpriseDevelopment

## Context & challenges

IMB, a major Australian bank, asked us to take on a critical challenge:

- **Enhance form security** on their Webflow site to prevent fraudulent submissions.
- **Improve lead qualification** by ensuring that only verified users can submit requests.

As a banking player, IMB had to meet high standards of security and reliability, while guaranteeing a **fluid user experience** for its visitors. The objective was therefore to implement a robust system, without introducing excessive friction for legitimate users.

## Understanding & consulting

We started the project with a scoping and audit phase in collaboration with :

- **IT team**: to ensure technical integration and compatibility with internal systems.
- **Security & Architecture team**: to meet banking compliance requirements.
- **Design team**: to maintain a UX consistent with IMB's brand identity.

This collaboration enabled us to define an optimized technical and UX solution, reconciling security and frictionless user experience.

## Solution implemented: OTP with Twilio Verify + Webflow

![Bank website verification interface requesting a 4-digit code, with a blurred background showing an online banking homepage and a photo of a mother with her daughter.](https://cdn.prod.website-files.com/67053868fc01e494462e71c9/680275103cd82f7242f5c566_visu-verify.webp)

### Enhanced security via SMS verification

We have implemented an OTP (One-Time Password) authentication system to filter out fraudulent submissions. In concrete terms, the workflow works as follows:

- The user enters his or her telephone number in a field on the Webflow form.
- A **verification code is sent by SMS** via Twilio Verify.
- The user must enter this code to validate the submission.
- The form is sent only if the code is correct.

### Technical implementation details

- **Multi-step form in Webflow** via [Formly](https://www.tryformly.com/docs) to streamline the process.
- **Integration of a country selector** for the telephone number with the [Intl Tel Input](https://github.com/jackocnr/intl-tel-input) library, guaranteeing a format compatible with Twilio and a better user experience.
- **Backend scripts on Twilio Functions** to manage :
`/start-verify`: sending the SMS with the OTP code.
- `/check-verify`: verification of the code entered.
- Implementation of **secure CORS**, **hidden cookies** on the server side and **HTTPS queries**.

### Why not use reCAPTCHA?

reCAPTCHA would have added an extra **friction** to the user experience. The OTP system offers a **better UX** while being more robust against bots, which can't receive and validate an SMS.

## Collaboration & results

Thanks to agile collaboration with the various IMB teams, we have achieved significant results:

- **Optimized user experience**: smooth process, without unnecessary friction.
- **Efficient spam elimination**: elimination of fraudulent submissions.
- **Respect for banking security standards**: compliance assured.
- **Scalable and documented system**, for easy maintenance and future enhancement.

### Deliverables to customer

- **Detailed technical documentation**.
- **Technical configuration demo** in read-only Webflow.
- **Explanatory Loom video** for in-house team.
- **Customized, secure scripts**, ready for deployment.

**Stack used**

- **Webflow**: front-end and forms management.
- **Twilio Verify API**: OTP authentication service.
- **JavaScript**: custom scripts for integration.
- **Formly**: advanced Webflow-based form solution.
- **Intl Tel Input**: management of international numbers.

## Conclusion

This project illustrates how a bank can strengthen the security of its Webflow forms while guaranteeing a fluid UX. Thanks to the strategic integration of Twilio and Webflow, IMB now has a robust, scalable system that meets its security requirements.

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