FRICTIONLESS AUTHENTICATION

Combine behavioral biometrics with identity proofing techniques to create strong and frictionless authentication for your users.

Market Overview

People worldwide are increasingly conducting their sensitive daily operations online from various devices, including computers, tablets, and mobile phones. Because of that, businesses and merchants need to ensure that users attempting to access accounts are authorized. For example, banks and other financial institutions have a compliance responsibility to ensure that individuals trying to open accounts fit specific criteria. The validation of a user’s legitimate identity is what is known as Identity Proofing. Optimizing authentication security without compromising the user experience is the only way to let digital services achieve their full potential. Today, the response to these challenges comes from a new generation of authentication solutions based on behavioral biometrics. As a result, behavioral biometrics meets GDPR requirements and can also support compliance with SCA as another element based on inherence.

What is it?

Behavioral Biometric features allow the development of innovative authentication solutions, adapting to user behavior and the detected risk. Behavioral biometrics is the discipline of study related to uniquely identifying and measuring patterns in human activities. The term diverges from physical biometrics, which involves innate human characteristics (fingerprints, face, or iris). When it comes to digital identity, behavioral biometrics enables the creation of a unique profile for every user and recognizes it while accessing the service. It stems from a frictionless authentication and is not invasive for the user.

How does it work?

Integrating legacy authentication with cutting-edge AI and machine learning technologies combined with behavioral biometric techniques enables the leverage of personal and device characteristics to distinguish between legitimate customers and fraudsters. Recognition of users takes place via activities related to a device and how the user interacts with it, such as:

  • Device-focused behavioral signals: typing, mouse usage, handling, gait, velocity analysis, and device characteristics. These elements focus on how the user physically interacts with a device, the service, and the features that distinguish that specific endpoint;
  • Contextual anomaly signals such as geo-location, Bluetooth, or WiFi networks. These elements characterize the environment in which the user usually operates;
  • Service-related behavioral signals: the means and habits of the user in accessing the application. Some examples could be the usual amount in a payment transaction, the day of the week or hour of the day the user usually operates, the functionality often accessed, etc.

The challenge

Companies offering digital services struggle to keep fraudsters out and let legitimate customers in. It should be easy to recognize the need for increase security. The main challenge when it comes to Identity Proofing is to increase user security without adding friction that could affect their user experience. Behavioral biometrics provide a powerful way to prevent identity-related fraud and malware-based or bot attacks while guaranteeing a high-security level without introducing UX friction.

How we can help

The XTN Cognitive Security Platform®’s Digital Identity validation relies on different layers: behavioral biometrics feature, endpoint trust, and cryptographic quantities. These layers modulate the authentication factors considering the endpoint trust or risk and include continuous behavioral analysis to recognize anomalies. Our goal is to provide the smoothest user experience possible while maintaining the highest security level. To do that, we consider the endpoint, particularly mobile devices, as the central actor in Identity Proofing.
Business Risks
Consequences of Identity Fraud can impact a digital business by:
  • Sensitive data loss
  • Money loss
  • Reputational damage

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