• Hakan Nordfjell, eBanking Specialist at Gemalto UK


• 15.07.2016 01:30 pm
Biometrics

It’s encouraging to see more conversations take place around the role biometric sensors can play in authentication. Increased consumer demand for these services highlights the potential this technology has. With most of us having to remember an increasing number of passwords every day, biometric sensors offer a much simpler and convenient way for us to prove our credentials.

Where we see additional potential is around the area of ‘silent authentication’, where biometrics and behavioral data are analysed in the background and end users are not asked to participate directly. Factors such as location, habits and patterns, customer journeys (e.g. click speed, page sequence, typing, interaction with touch screen, etc.) can be measured to create a behavioural profile that is distinctive and unique to each user. Using this profile, all transactions can be analysed and associated with a risk score which represents the confidence the bank has in the identity of the user – allowing banks and other organisations to find the right balance between security and convenience. Silent authentication provides an extra layer of security with real-time risk-based analysis, which helps mitigate fraud without impacting user convenience