Distinguish Between Trusted and Risky Digital Interactions
Definition: Behavioural biometrics, also known and referred to here as behavioural intelligence, measures and uniquely distinguishes patterns in the behaviour of digital users.
Behavioural intelligence are the habits and proclivities humans develop over time, given their interactions with different devices. The related techniques used to capture and evaluate behaviours can be extremely effective in evaluating whether the correct individual is interacting with an account, or whether the individual’s behaviour is consistent with that person’s normal patterns as opposed to those of a fraudster.
Signals include keystroke dynamics, swipe and touch analysis, mouse interactions and device handling. They are distinct from physical biometrics, which involve measuring and identifying unique human attributes such as fingerprints, facial patterns, iris characteristics and voiceprints.
With the increasing use of digital transactions, human-device interaction patterns are becoming an essential tool for businesses and organisations to build trust and reduce fraud.
Understanding Behavioural Intelligence
Behavioural intelligence passively helps verify users by analysing the way they interact with a website or mobile application. Every user has individual patterns that indicate their unique ways of browsing a website and using an app—and these patterns provide a strong foundation for establishing trust.
Behavioural intelligence improves the ability to recognise trusted digital users and detect suspected fraud. This intuitive, and non-intrusive, technology supports more accurate customer recognition to allow organisations across multiple industries to:
- Prioritise personalised experiences for trusted users
- Apply appropriate levels of friction for specific touchpoints or higher-risk events
- Prevent complex types of fraud, including new account opening fraud, account takeover, scams and mule activity
- Detect signals of automation
- Isolate anomalies in typical behaviours
- Target typical fraudulent behaviour
Types of Behavioural Signals
Phone Movement
Is the phone being held in a landscape or portrait position? What is the rotation or angle of the phone? Do the sensors match the situation?
Keyboard Behaviour
How is a keyboard used? What is the typing rhythm? Were any special keys pressed? Were any keyboard shortcuts taken?
Touchscreen Behaviour
How is the touchscreen used? How much pressure is being applied? What is the swipe speed and motion?
Mouse Behaviour
How does the mouse move around the page? Does it ever go off the page? Are there signs of automation? Are there any latency anomalies?
Integrating behavioural intelligence with industry-leading digital identity and device intelligence has proven to improve fraud capture by over 28%.
How Does Behavioural Intelligence Work?
Collect
Analyse
Decide
Advanced Behavioural Intelligence Supports Low-Friction Experiences for Trusted Users
Balancing fraud risk with a positive digital experience is paramount. Consumers value security and a convenient process.Many traditional identity verification and authentication strategies lack the capacity to address the nuances of digital commerce journeys and the complex nature of digital threat vectors. Even digitally driven fraud prevention tools can add customer barriers, or be intercepted and overcome by fraudsters.
Organisations need a more dynamic view of customer identities and transaction risk via multi-dimensional digital, physical and behavioural identity context. The ability to passively verify identities and authenticate trusted customers while maintaining a risk-appropriate level of friction helps keep digital transactions in efficient motion. Behavioural intelligence plays an integral role in facilitating these low-friction journeys, working in the background of digital events without any additional inputs required.
As a result, businesses can more confidently route trusted users as low risk, helping accelerate interactions, reduce operational drag and lower fraud investigation costs.
The Many Challenges of Fraud
Most fraud prevention methods detect attacks by searching only for potentially harmful anomalies. If an authentic user does anything unusual – such as logging in from a new location or using a new device – the action may be flagged as an anomaly and trigger a false positive.
Device intelligence, digital identity insights and smart authentication solutions can benefit from the extra layer of fortification delivered by behavioural intelligence to see a more complete context surrounding a digital transaction. Behavioural intelligence provides an additional layer of defense to risk assessment without creating a negative user experience, minimising false positives, increasing trust and reducing fraud risk.
The combination of behavioural and digital identity intelligence helps businesses confidently differentiate between fraudster and legitimate customer, and between humans and bots.
How to Choose the Right Behavioural Intelligence Solution for Your Business
A powerful behavioural intelligence solution will help you recognise trusted transactions, reduce false positives and fraud losses while providing a seamless customer experience. BehavioSec® is trusted by leading institutions around the world to enhance fraud prevention and authentication, ensuring great consumer experience and helping to protect revenue streams.
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