Quickly and safely onboard new customers and provide seamless ongoing service access via customisable lines of defence that unite a user's digital and physical identity footprint. Risk-based authentication presents the right authentication to the right customer at the right time.
Know risk before you know the person.
Know the claimed identity.
Know the risks associated with the identity.
Integrate your customised lines of defence into a consolidated decision engine that intelligently adapts to higher risk identity scenarios to build assurance during customer onboarding and ongoing identity management.
Establish risk for a sign-in attempt or other user activity based on factors such as location, network reputation and device footprint. The higher the risk, the more additional layers of authentication may be required, such as a one-time password to grant user access.
To ensure an identity exists, identity verification will verify collected identity evidence against public records and data from multiple credit bureaus. Also, verify the supplied bank account details are associated to the identity.
Establish any fraud risks posed by the individual’s digital or physical identity and behaviour to determine suitability to do business with them.
Protect your organisation and maintain a seamless digital experience for your customers by dynamically assigning additional identity authentication checks to higher risk identity scenarios.