For user authentication to be reliable, the environment in which it occurs should be protected. SA® (Smart Authentication) is the Identity Proofing functionality within the Cognitive Security Platform® that combines Behavioral Passive Biometrics features with Strong Customer Authentication (SCA) to deliver an omnichannel biometric customer authentication strategy.
Since the main challenge to Identity Proofing is to increase users’ security without degrading their user experience, we use
Behavioral Biometrics to keep the security level high without introducing user experience friction or requiring the adoption of dedicated hardware. Here’s how we deliver a robust security layer, frictionless user experience, and out-of-the-box integration with the client’s fraud prevention systems.
What is identity proofing?
Identity proofing is an approach for verifying and authenticating the identity of individuals accessing an application. It allows users to self-verify, making for a secure authentication process that doesn’t compromise user experience.
What is SCA?
Strong Customer Authentication (SCA) is a requirement of The Revised Payment Services Directive (PSD2), which asks businesses to use at least two authentication elements to verify digital payments. The point of this is to reduce fraud and make online payments more secure.
SCA elements are:
- Something only the user knows (password/PIN)
- Something only the user possesses (card/OTP)
- Something the user is (fingerprint/voice/face)