Multi-layered, risk-based authentication that adapts to each customer
Dynamically adapt the stringency of your authentication processes based on your risk threshold.
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.
How do you control the balance between fraud risk and customer experience?
1st line of defence
Risk Assessment
Know risk before you know the person.
3rd line of defence
Fraud Assessment
Know the risks associated with the identity.
Dynamic decision engine and workflow
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.
Know risk before you know the person
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.
Geolocation, VPN & Proxies
Device ID & Attributes
Malware & Bots
Behavioural Analytics
Know the claimed identity
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.
Address Verification
Credit Active
(Multi Bureau Data)
Bank Verification
Know the risks associated with 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.
Deceased Screening
Behavioural Analytics
Velocity Checks
Email Risk
Know the person is who they say they are
Protect your organisation and maintain a seamless digital experience for your customers by dynamically assigning additional identity authentication checks to higher risk identity scenarios.
