Next-generation identity verification and authentication Solutions

Delight customers with seamless experiences while fortifying your defences against fraudsters.
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Identity Verification and Authentication

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Customer interaction is a changing landscape

Customers are interacting with your business in ways they have never done before. They’re using multiple channels, different devices and becoming more varied as technology continues to evolve. Whether they are interacting in person, by phone, online or through a mobile app, they expect immediate, convenient and safe access. Identity-proofing solutions that cause inconvenience and hinder the process are frustrating – and damaging.

Unfortunately you cannot solely focus on meeting or exceeding your customers’ expectations. Fraudsters are also interacting with your business in ways they have never done before. They have stepped up their game, testing vulnerabilities of identity verification solutions, capitalising on market disruptions and causing damage to your bottom line.

Omnichannel businesses are challenged with consistently delivering excellent service to good customers while managing fraud risks across multiple channels.

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Verifying a customer’s identity is a growing challenge

Increased use of the mobile channel

Rise of synthetic identities and bot attacks

Need to balance speed of fraud detection with customer friction

Inadequate access to real-time, third-party data

Limited ability to identify geolocation

Quickly identify customers throughout their journey

Organisations must rapidly adapt to evolving customer behaviour and interaction points or risk significant losses in both fraud and customers. Inadequate ID verification services create gaps that can be exploited by fraudsters. You need multi-layered and risk-based identity and authentication solutions that can differentiate a trusted customer from a fraudster, beginning with account origination to every visit and transaction that follows.

Ensure customer identification and authentication doesn’t compromise your customer Experience

LexisNexis® RiskNarrative™ delivers a powerful single platform to unify your entire identity management process across the customer journey.
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Account Opening
Who is the customer?

The best protection from fraud is to thoroughly vet customers in the onboarding process at the beginning of the relationship. Verify your customer and gain a complete view of their fraud risk thoroughly with physical and digital identity information. Conveniently onboard your customers by requesting only the right information at the right time by utilising active and passive methods.

Our identity solutions deliver critical identity verification information built from one of the largest compilations of consumer and business identity intelligence, providing industry leading verification coverage.

Our powerful compilation of identity solutions deliver:

Smarter identity decisions through a decision engine for seamless digital business

Innovative features of fraud defence through behavioural biometrics

Concise and intuitive identity insight to accelerate customer acquisition and drive smarter decisions

Near real-time confirmation of a customer’s identity to strengthen the customer experience and fight fraud

Improved fraud detection by leveraging intelligence related to the associations between a phone number and an identity

Identity insights, analytics and sophisticated scoring to stay ahead of evolving fraud threats

Succinct easy-to-interpret data to quickly detect valid and invalid email addresses

Ongoing Account Management
Is the customer who they say they are?

When a customer who has been vetted and onboarded returns, you still need to confirm their identity. If you only employ identity-proofing techniques at onboarding, you’re overlooking potential fraud that can occur at login, through account maintenance and during transactions. Identity authentication best practices suggest processes must be risk-based, streamlined, scalable and match the level of risk of the transaction.

Our authentication solutions leverage the combination of extensive identity intelligence, advanced analytics and intuitive technology to accelerate identity authentication across multiple transactional channels.

With an agile collection of authentication tools, your business can seamlessly apply the right level of authentication based on the risk presented by each individual:

Authenticate customers with a one-time login code or a push notification

Implement real-time knowledge-based authentication to certify identity

Use the sound, pattern and rhythm of an individual’s voice to determine identity

Validate identity documents across multiple transaction channels

Evaluate associations between a phone number and an identity

Strengthen multi-factor authentication efforts with risk verification checks against a phone number before sending a one-time password (OTP)

Is a transaction fraudulent or a false positive?

While prevention is best, the sooner you can investigate a suspicious transaction, the more likely you are to mitigate the damage. You need tools to expedite the process. If the transaction is indeed fraudulent, there may be more victims. If the alert is a false positive, your customer has already experienced a roadblock. Move quickly to make it right, so you can avoid unneeded, time-consuming manual reviews and deliver the service your customers expect.

Our powerful transaction solution analyses billions of consumer records from more than 13,000 data sources. With our powerful linking and analytics tools, your business can accelerate automatic screening of orders and isolate suspicious transactions that warrant deeper review without impacting the speed of genuine transactions.

Our solutions are relied upon and trusted...

Enhance fraud protection whilst providing seamless experiences

Spot suspicious behaviour as the transaction occurs and make well-informed trust and identity decisions, without adding unnecessary friction for genuine customers.
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See how we can help you to establish trust with genuine customers

Book a free, no-obligation consultion to find out more.

Trust:Live is back! Building on the success of the last two years’ Trust:Live 2024 promises to arm business leaders with the very latest innovation, intelligence and practical insight to take back into their organisations to improve the fight against fraud.

A key focus for this year will be to delve deeper into the critical role that collaborative insight, advanced analytics and pioneering authentication technologies have in ensuring digital trust - building a superior level of contextual decision-making that puts consumer protection and customer experience at the core.

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Trust:Live 2023 Highlights

Risk-appropriate friction treats valued customers like old friends

Customers and transactions come with varied levels of risk. That makes a one-size-fits-all approach to identification and authentication impractical. You don’t want to force your low-risk, easily-identified customers to clear tedious hurdles every time they visit your site. On the other hand, if your security measures are flimsy, you’re inviting fraudsters into your ecosystem.

Identity management authentication should be based on risk assessment. Security processes must automatically adjust to the threat-level posed by the individual and the transaction.

Customers expect and feel reassurance with a certain level of friction if they are conducting a high-value transaction, such as withdrawing money. Risk-appropriate friction in the payment process makes buyers feel safe. But for simple tasks, such as checking an account balance, your trusted customers expect ease and simplicity.

With flexible, customisable identity management tools, your business can automatically personalise the level of authentication based on relevant risk signals and identity intelligence, all while minimising friction for your valued customers.

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Combine physical and digital identity intelligence for superior protection

Historically, identity verification meant validation of physical customer identity data. You verified a person’s physical documents. However, as more transaction channels have been adopted, physical documents alone aren’t enough.

To gain a more holistic view of the identity, risk and opportunity, you must combine physical identity verification with digital identity proofing solutions. You need intelligence related to devices, locations, identities and past behaviours to accurately distinguish between trusted and fraudulent users.

Validate identities on every channel

Customers are on multiple channels and devices throughout their day. They flow from one to another, expecting a seamless, consistent experience across all channels.

Fraudsters use the omnichannel trend to their advantage. They obtain breached data, contact a call center to finesse additional information and then use the combined facts to open an account or create fraud through a digital channel. Your identity verification services must be able to distinguish a legitimate customer identity from a fraudster’s no matter which channel they choose to use.

Deliver an elegant customer experience with successful fraud controls

Sophisticated fraud attacks aren’t going to disappear anytime soon. They’re likely a permanent part of the evolving customer landscape. And unfortunately, as companies grow, they tend to open up more opportunity for fraudsters. Changes designed to attract more customers and increase revenue – adding payment mechanisms, launching online and mobile options, expanding globally – will create more opportunities for fraud if online ID verification is not optimised.

Faster, more efficient identity verification services are a necessity. Organisations must deploy robust security that is cost-effective and has the least negative impact on the customer experience. After all, fraud and identity management isn’t only about your bottom line. It’s about developing long-term, high-quality relationships with your customers. But no single identity verification solution can combat all types of fraud, which is why a multi-layered, risk-based fraud defence strategy offers robust protection and is the future of identity management authentication.

LexisNexis® Risk Solutions offers world-class identification and authentication solutions. Modular and adaptive, our solutions can be customised to meet your business’s specific identity management needs and workflow.

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See how our solutions can help solve your identity verification and authentication challenges

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