NoPassword offers the next generation of Identity and Access Management (IAM) that substitute passwords with Human and Hidden Multi-Factor Authentication (H²MFA™). Instead of using static passwords, NoPassword uses 6 step authentication process starting with local biometric authentication (Face, Voice, Fingerprint, Iris, Behavior, etc) on the user’s smartphone, then extracts hidden features from the phone to perform MFA, without disturbing the user. NoPassword Artificial Intelligence (AI) driven authentication also offers adaptive and contextual authentication for continuously authenticated the user based on behavior, and risk-based and granular access management to prevent fraud and account takeover. One of the main advantages of NoPassword is that sensitive information (passwords and biometrics) are not stored on a centralized database nor requires users to manually enter sensitive credentials (password, pins, codes, etc). This means we eliminate 85% of cyber attacks such as phishing, social engineering, and key-logger attacks. Ultimately, NoPassword eliminates password pain and account reset requests as result of forgotten password or getting logged out for both external (customers) and internal (employees) users.