Adaptive Authentication

Adapting authentication to risk level and uses cases for banking and payment transactions

Adaptive Authentication IDEMIA

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.

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