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
Enable users to access omni-channel digital services with user-friendly authentication scenarios adapted to the context.
Comply with PSD2 regarding Strong Customer Authentication and reduce fraud.
Rely on an evolving and centralized authentication platform to easily integrate new authentication factors.
Related offers
See also
Looking for additional information? Our experts are available for you.