OneLogin SmartFactor Authentication is a commercial MFA & passwordless solution by OneLogin. UserLock is a commercial MFA & passwordless solution by IS Decisions. Features, integrations, deployment and the company behind each one, side by side.
What our shortlists say about the one we picked.
Best for: OneLogin customers wanting risk-based MFA without writing rules
We did not find enough recent first-hand reviews of this product to summarize what customers say.
From Best MFA and Passwordless Solutions for Business, Fall 2026
Reviewed by Nika (Nikoloz) Kokhreidze.
Context-aware adaptive MFA using AI-driven risk scoring for authentication
IAM solution for Active Directory with MFA, SSO, and context-based access controls.
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Based on what each listing shows: deployment, company size, price and open source.
OneLogin SmartFactor Authentication fits if you want a cloud product and you are a startup.
UserLock fits if you need both cloud and on-premises options.
Common questions when comparing OneLogin SmartFactor Authentication vs UserLock for MFA & passwordless.
OneLogin SmartFactor Authentication: Context-aware adaptive MFA using AI-driven risk scoring for authentication. Built by OneLogin.
UserLock: IAM solution for Active Directory with MFA, SSO, and context-based access controls. Built by IS Decisions.
The table above shows where their features, integrations, deployment and company size fit differ.
OneLogin SmartFactor Authentication is made by OneLogin. UserLock is made by IS Decisions. The vendor behind a product decides its roadmap, support, and longevity, so check each company's profile before you commit.
Often, yes. OneLogin SmartFactor Authentication and UserLock are both MFA & Passwordless products, and both cover MFA, Authentication. Use the table above to see where features, deployment and company size fit differ.
Need the answer fast? Best MFA and Passwordless Solutions for Business picks Okta Adaptive MFA, Cisco Duo Passwordless, Beyond Identity Phishing-Resistant MFA and 4 more.See the shortlist
