Biometric and Behavioral Authentication

Overview

Can biometrics deliver protection from account takeover fraud?

When people access and use accounts, you must be sure they are your genuine customer. Biometrics, whether behavioral or based on unique physical characteristics, can reliably authenticate individuals. By using technology customers already own and are comfortable with, you can offer low- or no-friction security that protects them and your organization.

Behavioral and physical biometrics

Biometric capabilities are based on unique characteristics that can identify a person based on their physical attributes or the behavior they exhibit when they carry out an activity.

Keystroke analysis

How someone enters their password is unique to them. By analyzing keystrokes, you can keep criminals out of accounts — even if they have the password.

Facial recognition

Compare customers’ facial image to a securely stored template to identify them and confirm that a video or photograph is not being used to impersonate them.

Voice recognition

Customers use a self-selected security phrase which is compared to a previously captured voiceprint to confirm their identity.

Facial recognition plus voice recognition

Combine facial recognition with voice biometrics for an added layer of security.

Are banks and their customers ready to use physical and behavioral biometrics to protect accounts?

Strategies for customer authentication must determine the role both physical and behavioral biometrics can play, and they must take customer experience into account. FICO commissioned independent studies with both financial institutions and their customers — could their answers help inform your strategies for biometric adoption?