Dynamic Authentication: Aligning the Authentication Experience with Risk, Reputation, and Reward

Online businesses have historically faced a choice between risk and friction: security teams typically want to collect copious amounts of data so they have the greatest degree of confidence possible in the identity of their users, while sales and product teams want consumers to have the easiest, most convenient shopping experience feasible. This whitepaper examines how using an adaptable, multi-factor authentication system can deliver robust security while avoiding hassle for legitimate users. The report reviews the stakeholders most commonly involved in authentication decisions, discusses why traditional authentication practices no longer scale to meet current business needs, and reviews common use cases where a dynamic, multi-factor authentication framework may be applied. iovation also briefly reviews their Dynamic Authentication solution and shares how it can address both security and business concerns stemming from authentication.