Tag: KBA

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Experian is recognized as a leading fraud solution pro...

Experian is recognized as a leading security solution provider for fraud and identity solutions in order to protect customers and financial...

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The Importance of Call Center Authentication...

Part 2 in our series on Insights from the Vision 2016 fraud and identity track With the growing number of data breach incidents taking...

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Fraud attempts: Back to school shopping can be a summe...

Increased volume of fraud attempts during back to school shopping season Back to school shopping season will be the first time many consumers’ use...

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Vacation Fraud: Don’t get burned by fraud this summer!...

Protecting consumers from fraud this summer vacation It’s that time of year again – when people all over the U.S. take time away from life’s...

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Four Ways to Address Fraud in the Public Sector...

By: Maria Moynihan Cybersecurity, identity management and fraud are common and prevalent challenges across both the public sector and private sector.  Industries as diverse as credit card issuers, retail banking, telecom service providers and eCommerce merchants are faced with fraud threats ranging from first party fraud, commercial fraud to...

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It’s summer – don’t get burned...

It’s that time of year again – when people all over the U.S. take time away from life’s daily chores and embark upon that much-needed refresh: vacation! But just as fraud activity spikes during the holidays, there are also fraud trends suggesting spikes in fraudster activity during the summer. With consumers...

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Case study – Using Knowledge-based Authenticatio...

Last week I attended the Merchant Risk Council’s 2011 MRC Annual e-Commerce Payments & Risk Conference.  I presented a session titled “Efficiency and Empowerment in Risk-based Authentication” with a client who has been able to use knowledge based authentication as a sales enabler – Home Shopping Network.  You might...

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To KBA, or not to KBA; that is the question. Or is it?...

Well, actually, it isn’t. The better question to ask is when to use knowledge based authentication (KBA). I know I have written before about using it as part of a risk based authentication approach to fraud account management, but I am often asked what I mean by that statement. So, I thought...

Read More To KBA, or not to KBA; that is the question. Or is it?
KBA best practice: get your “good” consumers through q...

Let’s face it – not all knowledge based authentication (KBA) is created equal. I, too, have read horror stories of consumers forced to answer questions about a deceased relative or ex-spouse, or KBA sessions that went on far too long for anyone’s benefit. I have to attribute this to vendor inexperience...

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Increased demand for KBA with IVR...

Experian Decision Analytics has recorded increased demand from the marketplace for service integrations with interactive voice response (IVR), a phone technology that allows for automated detection of both voice and touch–tones. In the past quarter, there has been a more than 70 percent increase in IVR interest and it continues...

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Data – How much information is TMI (too much informati...

By: Margarita Lim Consumer data has increasingly become commoditized over the years. There’s a lot of it and it’s arguably more easily obtainable. Social Security number and date of birth information was once considered confidential information. Today, those data elements in addition to traditional consumer data such as name,...

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Why KBA is not dead — despite what the critics s...

There are a number of people within the industry heralding the death of knowledge based authentication. To those people I would say, “In my humble opinion you are as wrong as those recent tweets proclaiming the death of Bill Cosby.” Before anyone’s head spins around, let me explain. When I...

Read More Why KBA is not dead — despite what the critics say!