Verify customers at high confidence levels with Knowledge-Based Authentication (KBA) questions.
Robust KBA Verification Questions
Companies that do business online need a way to protect themselves from fraud, liability and regulatory penalties. And while simple data validation methods are often effective, sometimes they’re not enough. Veratad’s Knowledge Based Authentication (KBA) multiple choice challenge questions provide an added layer of security, particularly when combined with data verification, possession-based document verification or multi-factor authentication.
Our dynamic out-of-wallet challenge questions are non-intrusive and easily deployed when you need an enhanced authentication solution.
Authenticate Against Billions of Trusted and Verified Data Sources
Verify visitors with questions based on information found in billions of trusted and verified data sources, without storing sensitive personal data.
Veratad KBA delivers up to eight multiple choice challenge questions that are dynamically and randomly generated, including “synthetic” questions to trick fraudsters. This stops fraud without being intrusive to the “real” person. Authentication is delivered in seconds as part of age or identity verification. Quickly validate a customer’s identity, onboard users that pass authentication and maintain an audit trail for compliance.
Veratad’s KBA questions verify users at high confidence levels, combating fraud and supporting compliance efforts with minimal friction to your existing onboarding process.
Create Your Own (Approval) Rules
Veratad enables you to set your knowledge-based authentication rules based on your company’s needs and risk tolerance. Our implementation team guides you through setup to follow industry best practices for KBA and escalations.
Seamless User Experience
Our Knowledge Based Authentication questions are designed to reduce transaction abandonment. In addition, they can also be used as intelligent friction that only deploys when further identity verification is needed based on your company’s unique requirements.
Knowledge-Based Authentication FAQs
Knowledge-based authentication, or “KBA,” is an identity verification method in which users are asked one or more questions that few, if any, imposters would be able to answer. KBA is a form of “out of wallet” authentication, adding surety to processes that can also include data or document verification.
Knowledge-based authentication challenge questions come from data associated with an individual. This can be from a credit bureau, a DMV or government entity, a mobile carrier or another secure source. Reputable KBA providers never share data or results with non-authorized individuals.
KBA is used as all or part of an identity verification workflow for user onboarding, a purchase, or another event that requires certainty that an individual is who they say they are. KBA is often used upon escalation after another verification method returns an unclear or negative response, or to provide an additional layer or surety and security.
As is the case for all Veratad’s data verification services, upon completion of a KBA verification transaction, Veratad only stores a “footprint” of each transaction for audit, reporting and compliance purposes. This means that Veratad does not store any sensitive personal information associated with a knowledge-based authentication transaction.
KBA is among the most common identity verification methods deployed by leading companies. It is an effective way to gain or add certainty that an individual is who they say they are, as it relies upon knowledge that only one or a few people would have.
Like any verification method, KBA can add friction to an onboarding or purchase process. When properly deployed, however, KBA represents only a few seconds of a user’s time.