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The authentication paradox: to replace or not to replace….

Banking and Finance Behavioural Biometrics Customer Experience Digital & Commerce Fraud & Scams PSD2 & SCA

In the fast-paced and ever-changing landscape of the digital age, organizations need to ensure they have the flexibility to adapt and stay ahead of the game. As we enter 2024, the importance of embracing this and taking control has never been more evident. With the continuous rise of scams and account takeover (ATO) fraud, organizations must prioritize their security measures to protect both their customers and their reputation.

The year 2023 served as a wake-up call, highlighting the alarming trend of fraudsters finding new ways to deceive consumers and steal their valuable details. ATO incidents have become increasingly sophisticated, posing a significant threat to businesses and individuals alike. This growing concern is fueled by rising consumer expectations, as customers now demand seamless and secure digital experiences.

Privacy and security have also grown to become paramount concerns for consumers, who are more aware than ever of the risks associated with sharing personal information online. Businesses must recognize this shift in consumer behavior and adapt their security measures accordingly. Traditional approaches such as one-time passcodes (OTPs) are no longer sufficient, as fraudsters have become adept at bypassing them through increasingly convincing social engineering tactics.

The mounting cost of fraud

A solution once seen as trustworthy is now proving to be less effective. Traditional authentication methods such as SMS and email OTPs are hindering growth through mounting costs and increasing customer friction from issues such as delayed and unreceived SMS and the rise in phishing attacks in the same channel.

Legacy systems can also present significant challenges as they are cobbled together over many years, resulting in disjointed processes and costly security gaps that raise the risks of non-compliance. However, when it comes to new solutions, many businesses struggle to get approval. Projects are deemed too complex, teams don’t have resource capacity or they often fall foul of changes in prioritization as it’s assumed to be a costly expenditure.

It's quite the paradox. Legacy authentication solutions that aren’t totally fit for purpose are impacting growth. However, the assumed cost and complexity of implementing new solutions is seen as too great an investment.

But it needn’t be this way. Bolstering existing solutions isn’t complex or costly, it’s about taking a step-by-step structured approach.

How to take control of your customer journeys

To address these challenges, you can implement authentication solutions that offer passive behavioral biometrics. Callsign One for example, offers layered intelligence through its unique Muscle Memory Technology, which provides the highest fidelity behavioral biometrics on the market through analyzing a user’s keystroke. This technology allows for the positive identification of genuine users without adding friction.

With Callsign One, you can use Callsign's device (possession) and behavior (inherence) authenticators to passively verify legitimate users at the point of login. By doing so, the reliance on step-ups to out-of-band (OOB) authenticators can be reduced and scripted attacks like credential stuffing can be detected. Furthermore, fraud models can be leveraged to enhance payment decisions in real-time, ensuring a more secure and seamless experience for customers. The importance of positively identifying users at login cannot be overstated, as it reduces false positives and helps prevent unauthorized payment fraud during the session.

By implementing a flexible and robust authentication solution like Callsign's passive authentication, businesses can meet both their fraud prevention needs and enhance the user experience effectively. Ultimately, you can benefit from an SCA-compliant solution that not only protects your customers but also provides a seamless and trustworthy user experience in the face of increasing fraud threats.

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