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CERF’s Adaptive Multi-Factor Authentication empowers businesses and enterprises to give customers a secure and seamless way to execute transactions in an efficient and cost effective manner. Adaptive MFA provides a wide spread of authentication factors, gives insights from millions of end users, and authentications, and can seamlessly integrate with your business application.
MFA requires more than two additional verification factors, which decreases the likelihood of a successful cyber-attack.
MFA enhances organizations’ security by requiring your users to identify themselves by more than a username and password, as passwords and usernames are vulnerable to brute force attacks and can be stolen by third parties. Enforcing the use of MFA factors like a thumbprint or facial recognition will increase the confidence of organisations against cyber-attacks.
Adaptive Authentication analyses additional factors by considering context and behaviour when authenticating, and often uses these values to assign a level of risk associated with the login attempt. For example:
The risk level is calculated based on how these data patterns are and can be used to determine whether or not a user will be prompted for an additional authentication factor.
1-OTPs generated by smartphone apps
2-OTPs sent via text or email
3-OTPs sent via Flash or Voice Calls
1-Fingerprints, facial recognition, voice, retina or iris scanning or other Biometrics
2-Behavioural Biometrics
Implement secure and customizable authentication use cases with the flexibility to design Multi-Channel OTP flows and Risk-based multi-level Authentication factors available over flexible APIs.
Seamless customer authentication experience with minimum manual intervention without compromising security standards.
Ability to meet customer transactional scale with Enterprise-grade scalability and reliability standards, ensuring business continuity for Enterprises
Ensure OTP delivery maximization in the shortest possible time and minimum cost, enabling enterprises to achieve exceptional customer experience and cost benefits.
Authentrica(Adaptive MFA) state-of-the-art Flash Call Verification process ensures faster, and a cost-effective customer log-in/transaction authentication. Flash call verification automation makes the authentication process seamless and take customer experience to the next level. Cost- effective Flash call verification can reduce OTP costs by more than 60 %.
The platform gives Enterprises the Flexibility to send OTP across channels viz. Flash Calls, SMS, Email, Voice Calls, Mobile Push Notifications, and WhatsApp. Enterprises can choose the channel of OTP delivery based on factors such as use case, cost, time and reliability.
Authentrica(Adaptive MFA) gives Enterprises the flexibility to define Multi-Channel Authentication Journey Flow. The user can define flow enabling Multi-Channel concurrency, retry and fallback. Define adaptive flows based on the risk rating. The adaptive flows can have 2 or more factors of Authentication such as Multi-Channel OTP delivery, Physical Biometrics.
Implement secure and customizable authentication use cases with the flexibility to design Multi-Channel OTP flows and Risk-based multi-level Authentication factors available over flexible APIs.
The Enterprise can use CERF assistant SDK in their Mobile application enabling.
In case the delivery has failed on the number or the number is out of coverage area, options to try OTP from alternate channels viz. Voice, Email, WhatsApp, Flash Call or verify number over an In-dial.
CERF’s next-generation AI-based Behavioural Biometrics authentication methods help in identifying a user based on unique patterns exhibited when they interact with a personal digital device such as a tablet, smartphone or computer. The factors considered include everything from finger pressure on the keypad to the angle at which you hold your phone. With behavioural biometrics, it’s about how the person is using the device — the speed of their typing, how they use their mouse and more — instead of whether their password was entered correctly.
CERF’s AI-based Behavioural biometric authentication methods help in identifying a user based on unique patterns exhibited when they interact with a personal digital device. Behavioural biometrics, it’s about how the person is using the device - the speed of their typing, how they use their mouse - instead of whether their password was entered correctly.
A software-based dynamic OTP generator with time validity It is based on:
AI/ML-powered recommendation engine empowering an Enterprise to choose the right channel of delivery for each recipient ensuring delivery maximization and cost minimization.
Enables: