Adaptive Authentication
Adapting authentication to risk level and uses cases for banking and payment transactions
Authentication occurs each time users wish to access a service, perform a transaction, sign a contract or make a payment. It is the process of determining if they are whom they claim to be.
When defining an authentication strategy, financial institutions need an approach that lets them easily address a complex and dynamic reality. They need to authenticate multiple customers’ profiles for a wide range of use cases with different levels of risk.
With IDEMIA’s DACS™* software platform they can adopt a global, adaptable approach to strong authentication. Following a Transaction Risk Analysis, end-users are prompted to authenticate with the best-suited authentication method, chosen among a wide range of factors (mobile, biometrics, SMS OTP, certificates, passwords…), according to their authentication policy.
IDEMIA also offers an innovative authentication method, CloudCard+™, relying on up to three authentication factors: the smartphone (possession), biometrics (inherence), and PIN (knowledge).
Our solutions are compliant with the European Payment Service Directive 2 (PSD2) requirements for Strong Customer Authentication.
*Digital Access Control Server
Risk-based authentication
Enable users to access omni-channel digital services with user-friendly authentication scenarios adapted to the context.
Trust and compliance
Comply with PSD2 regarding Strong Customer Authentication and reduce fraud.
Future-proof solution
Rely on an evolving and centralized authentication platform to easily integrate new authentication factors.
Let's get in touch
Looking for additional information? Our experts are available for you.