Get Benefitted from Consent and Preference Management Platforms

Managing your consumers consent and preferences can be complex, but it does not have to be a strain on your team. Consent management platforms help organizations comply with local and global data privacy regulations. Using a platform to streamline the process can ensure you remain compliant in the face of new and changing legislation while expediting data collection.

Essential Features of the Consent and Preference Management Platform

An effective consent and preference management platform simplifies the collection and governance of consumer requests. It should facilitate the process of informing consumers about the type(s) of data being collected and the intended use. It should also allow consumers to easily grant or deny the organization permission to collect their information and enable consumers to modify their preferences including cookies and other tracking technologies.

The best consent and preference management platforms allow organizations to:

  1. Simplify the data collection process
  2. Customize consent windows
  3. Collect consents and permit consent and preference adjustments
  4. Store a record of collected data

Simplify the Data Collection Process

CMPs streamline privacy operations by providing brands and consumers with a convenient interface for communicating consents and preferences. A consent and preference management platform also allows companies to stay compliant as global privacy legislation continues to evolve. Organizations can continue to collect data while putting the onus of compliance on the CMP and the privacy experts specialized in each regulation.

Customize Consent Windows

Consumers can access websites from anywhere in the world and depending on their location, the data privacy requirements might be different. Many data privacy laws and requirements have the same foundation, but there are still many differences between them. For this reason, it’s important that a CMP supports the creation of customised consent and preference portals and privacy experiences. A customised consent window provides the user with a relevant and simplified consent and preference experience.

Collect Consents and Permit Consent and Preference Adjustments

Allowing consumers to provide their consent by opting in or out enables your organization to achieve data privacy compliance. Additionally, users are given increased control with the ability to request, edit, and revoke any consent or data containing personal information which your company has stored. This gives consumers (and prospects) an improved attitude towards your brand, and helps to build trust.

Store a Record of Collected Data

Organizations must identify and record details regarding their data collection practices. This means you must be able to show among other requirements, what data you are collecting, the reason for collecting it, and the source of that data. CMPs help to keep a record of this information like names of consumers, email addresses, the dates and times when consent was received or revoked, and what exactly the consumer has consented to. It provides a clear indication of whether consent was given, and the legal basis for data collection at any point in history.

With the growing demand to give consumers more control over their data grows, the need for a solution that makes managing consent and preferences easier for both consumers and companies.

Those searching for a solution can find CERF’s CONSENTICA as the best consent and preference management platform not only to streamline privacy operations, but also support marketing, sales, and customer engagement. This helps organizations comply with privacy laws without exhausting organizational resources like time and money.

CERF’s CONSENTICA can help your company comply with consumers’ requests and privacy regulations today and in the future.

Why Privacy Regulations?

Enterprises around the world have realized the value of user data, hence technologies are being developed for more accurate sifting of data and a better understanding of consumers’ requirements. Enhancement in the computational powers of modern computers coupled with the rapid development of the technology has made it possible to process voluminous data to identify correlations and discover patterns in all fields of human activity which can be utilized for problem-solving ensuring targeted delivery of benefits, and bring new products and services to the market, etc

Technology, though beneficial to mankind in general does have collateral disadvantages e.g. increasing use of smart devices in everyday life can lead to a loss of privacy for individuals, who may often not even be aware that they are being tracked or observed. Similarly, the ubiquitous presence of smart devices like mobile handsets has many benefits but it may also be a source of loss of privacy for the user e.g. when a user knowingly or unknowingly grants permission to access the camera and microphone of a smart device to an application may execute live streaming on the internet using camera and microphone, run real-time facial recognition algorithms, use advanced algorithms to create a three dimensional model of the user’s face, upload random frames of the video stream being accessed by the user, etc. Data collated by such applications over some time may be utilized for predictive profiling of the individual which may seriously jeopardize the data privacy of the users.

As stated earlier, Digital services and applications are accessed using telecommunication connectivity. When a user accesses an online application or social media website, the data generated passes through the telecom network. It is, therefore, that user privacy is ensured approximately in the telecommunications layer- both from external agents who may wish to cause harm to users (for instance, by stealing their data for purposes of fraud) and from entities in the telecom space who may wish to (mis)use user data that they have access to (for instance, in the form unsolicited target advertising).

It is worth reiterating that Telecom Service Providers (TSPs) control the “pipes” through which information is exchanged. Due to increasing computing power, TSPs may have an increased ability to analyse the contents of the pipe i.e. the data flow of the users, leading to obvious privacy concerns. In addition to TSPs, the widespread adoption of smart devices was not intelligent, now, smart devices (including Operating systems, Browsers, Applications, etc.) are increasingly playing a gate-keeping role over the network: they determine how users connect to and experience a network. As with TSPs, all user data flows through these smart devices, putting the Device manufacturers, Browsers, Operating Systems, & Applications, etc. in a prime position to collect and process the personal information of users. Given that all user data has to pass through TSPs (analogous to pipes) and devices analogous to faucets, appropriate steps must be taken to protect user privacy vis-à-vis these entities. In fact, the subject of data ownership privacy, and security is multidimensional and complex, and hence data consumers must be empowered to navigate safely and securely through the maze of the digital ecosystem.

As the economy increasingly moves to the digital/online world, it is all the more important that users are appropriately protected from all entities in the ecosystem that may seek to take advantage of their gate-keeping power. A failure to adequately protect the users from the very real possibility of harm (caused by the loss of privacy) may result in restricting the growth of the entire digital economy which include telecommunication services also.

To curb the menace of unsolicited commercial messages and calls countries and regions are coming up with privacy regulations that mandate the registration of businesses/ telemarketers such unsolicited communications and subscribers, consent for receiving the same.

Essential Features of the Consent and Preference Management Platform

An effective consent and preference management platform simplifies the collection and governance of consumer requests. It should facilitate the process of informing consumers about the type(s) of data being collected and the intended use. It should also allow consumers to easily grant or deny the organization permission to collect their information and enable consumers to modify their preferences including cookies and other tracking technologies.

The best consent and preference management platforms allow organizations to:

Simplify the Data Collection Process

CMPs streamline privacy operations by providing brands and consumers with a convenient interface for communicating consents and preferences. A consent and preference management platform also allows companies to stay compliant as global privacy legislation continues to evolve. Organizations can continue to collect data while putting the onus of compliance on the CMP and the privacy experts specialized in each regulation.

Customize Consent Windows

Consumers can access websites from anywhere in the world and depending on their location, the data privacy requirements might be different. Many data privacy laws and requirements have the same foundation, but there are still many differences between them. For this reason, it’s important that a CMP supports the creation of customized consent and preference portals and privacy experiences. A customized consent window provides the user with a relevant and simplified consent and preference experience.

Collect Consents and Permit Consent and Preference Adjustments

Allowing consumers to provide their consent by opting in or out enables your organization to achieve data privacy compliance. Additionally, users are given increased control with the ability to request, edit, and revoke any consent or data containing personal information which your company has stored. This gives consumers (and prospects) an improved attitude towards your brand, and helps to build trust.

Store a Record of Collected Data

Organizations must identify and record details regarding their data collection practices. This means you must be able to show among other requirements, what data you are collecting, the reason for collecting it, and the source of that data. CMPs help to keep a record of this information like names of consumers, email addresses, the dates and times when consent was received or revoked, and what exactly the consumer has consented to. It provides a clear indication of whether consent was given, and the legal basis for data collection at any point in history.

With the growing demand to give consumers more control over their data grows, the need for a solution that makes managing consent and preferences easier for both consumers and companies. CERF’s CONSENTICA can help your company comply with consumers’ requests and privacy regulations today and in the future.

Why CERF’s CONSENTICA?

CERF’s CONSENTICA provides innovative and trustworthy consumer regulatory compliance and consent management solutions. Our vision is to be a world class solution provider to enable local and global enterprises to process data in a safe and secure manner resulting in enhanced customer satisfaction and experience.

Unlike others, our consent management platform is a comprehensive and centralized tool that is more than a band-aid offering. Its versatility covers all aspects of consent collection, storage and management to keep your company 100% compliant at all times, i.e. our platform will keep evolving with the ever-changing compliance regulations.

So, avoid falling short of consent collection, storage and processing standards by choosing CONSENTICA – our state-of-the-art consent management platform.

The platform keeps your operations compliant with the ever-changing regulations that cover consent management, including the TRAI’s TCCCPR, GDPR and CCPA. The user-friendly solution offers multiple configuration options to suit your unique consent management requirements.

Through CONSENTICA, take advantage of best practices to prevent not only fines and penalties but also improve customer experience and your company’s performance. The tool is suitable for businesses across industries and can enhance consent and data collection and processing at all levels of your organization.

To ensure that you get the best results, our experts at CONSENTICA are there to provide all the support you need to use our platform to your advantage. You can count on them to optimize consent collection for your organization in every way that matters.

Contact us today for an unmediated experience of what our consent management platform and experts can do for you.

CONSENTICA’s features:

Integrate our consent management platform to experience the following industry-leading features:

With these features, CONSENTICA’s consent management platform provides the configurability and functionality needed to meet the complex needs of both small and large enterprises.

Start your regulatory compliance journey with CERF’s CONSENTICA….

To quickly launch a CMP that ensures full compliance with every relevant regulation, all you need is our Consent management software based on Restful APIs. It is a ready-to-use solution that provides quick deployment for immediate compliance with TRAI’s TCCCPR, GDPR and other consent collection directives.

The platform is configurable to meet your organization’s unique consent collection and management requirements. Other benefits of the tool are its ability to:

It also features a user-friendly editor for composing consent pop-up messages that match your website’s/ mobile app design.

Are you ready for a consent management platform that guarantees your organization’s performance, compliance, and efficiency? Contact us at CONSENTICA today to schedule a consultation.

Personal Data Protection Bill – What’s in Store?

Digital Personal Data Protection Law India: Personal Data Protection Draft Bill 2022

We are in the era of the 4th Industrial Evolution where “Data is the New Oil”, a humungous amount of data is generated by technologies viz. the Internet of Things, Big Data, Artificial Intelligence, E-commerce, and the presence of customers on the Internet applications. Hence protection of consumer data is of utmost importance. Considering the same Government of India (GoI) has also proposed a Digital Personal Data Protection Bill, 2022 the bill has been drafted by the Ministry of Electronics and Information Technology.

Background

Currently, India does not have any Data Protection Law. Though we have IT rules, 2011, but on the its basis we cannot protect digital data, hence government (Govt) has proposed the Digital Personal Data Protection Bill, 2022 in order to protect individual data privacy.

Justice B.N. Krishna Commit09/02/2023tee – 2018 was created by Govt, to create a Draft version of the Data Protection Bill.

In 2019, changes were proposed and incorporated in the 2018 bill and presented in Lok Sabha.

The bill was submitted to the review committee for their recommendations, but due to the Covid pandemic things got delayed and after 2 years, they suggested many changes. In response to this,  govt withdrew the bill.

Recently, in November 2022, a new revamped version of the Digital Personal Data Protection Draft Bill was launched and is currently in the consultation phase to get inputs from the industry, and public domain.

Important Terms of Digital Personal Data Protection Bill, 2022

Below are some of the important terms considered in the bill, this will help in having a better understanding of the Bill.

Types of Data

Personal Data – An individual can have certain characteristics, traits, and attributes using which we can identify a person. E.g. Data on basis of which a person can be uniquely identified like Aadhar No., Mobile No., PAN No.

Non-Personal Data – Data points on basis of which we cannot individually identify a person fall under this category. E.g. person with a height 5.7’ and weight 57 Kgs.

Sensitive Personal Data – A person’s data that is very critical or highly sensitive in nature. E.g. Financial Transactions, Biometric Data, Health Data, Genetic Data, and Religion.

Data Localization – The country where the individual’s data is generated, the storage and processing of the data should happen in the same country of origin. E.g. In case a social media platform takes an Indian individual’s data to US and stores and processes in the US, in that case, the principle of Data Localization is not followed.

Data Principal – Users of Digital products, who give their personal data to companies, Applications, and portals or Govt bodies.

Data Fiduciary- Companies or Govt Applications which collect personal data.

Data Minimization- If a company, Govt body, or Online Application needs some data from an individual, they should seek only that much data which is relevant or essential for their purpose. Data that is not required and unnecessary should not be collected.

Post Mortem Privacy- In case a person is not in the capacity or cannot take a decision due to non-presence or, in such cases the individual can nominate another person, who can take the decision on his/her behalf for the data associated with him/her.

Grounds for Data Processing by Fiduciary

‘Consent’ is the main basis for the processing of personal data under the Bill. Specifically, Article 5 of the Bill provides that data fiduciaries may process the personal data of a data principal only for a lawful purpose for which the data principal has, or is deemed to have, given in certain limited circumstances their consent.

Further to the above, the Bill encompasses detailed provisions on ‘Consent’, including (Article 7 of the Bill):

‘Consent’ means a freely, given, specific, informed, and unambiguous indication of the data principal’s wishes by which they, by clear and affirmative action, signify agreement to the data processing; request for consent shall be presented to the data principal in a clear and plain language; and data principals shall have the right to withdraw consent at any time, and the ease of such withdrawal shall be comparable to the ease with which consent may be given.

Role of Consent Manager

Most notably, the data principal may give, manage, review, or withdraw consent to the data fiduciary through a consent manager, which is an entity, accountable to the data principal, that enables the same to manage their consent through an accessible, transparent, and interoperable platform. In this regard, the Explanatory Note details that since it may not always be possible to keep track of the instances in which an individual’s consent has been taken for processing of his/her personal data, the Bill recognizes the role of consent managers, who allow data principals to have a comprehensive view of their interactions with data fiduciaries and the declarations of consent given to them.

Digital Data Protection Bill – What It Proposes?

Data Protection Authority

Right to information about personal data

Recognizing that every individual should be able to obtain certain basic information about their personal data, Article 12 of the Bill grants data principals the right to obtain from the data fiduciary confirmation about the processing, a summary of the personal data being processed, and the identities of all the data fiduciaries with whom the data has been shared, as well as the categories of data shared.

Right to correction and erasure of personal data

To enable correction, update, completion, and erasure of personal data where it is no longer needed, data principals are recognised with the right to correction and erasure of personal data.

Right of grievance redressal

The Bill gives data principals the right to register a grievance with the data fiduciary and to escalate the complaint to the Board, in case of a lack of response or unsatisfactory response from the data fiduciary.

Right to nominate

A data principal shall have the right to nominate any other individual, so that, in the event of death or incapacity of the data principal, the nominees may exercise the rights of the data principal on their behalf. In relation to the right in question, the Explanatory Note outlines that the right to the nomination has been borrowed from other sectors, where it is a basic practice and a right available to individuals.

Duties of data principals

Interestingly, the Bill also lists various duties that data principals are expected to abide by. The Explanatory Note explains that the inclusion of duties for data principals aims at ensuring that there is no misuse of rights and that the exercise of rights does not lead to an adverse effect on others’ rights.  Bill prohibits data principals from registering a false or frivolous grievance or complaint with a data fiduciary or the Board.

Situations where taking consent of the Data Principal would not be necessary

Penalties – Data Fiduciary

Penalties will be levied on Data Fiduciary in case of any violation.

Strengths of Digital Personal Data Protection Bill

Weaknesses of Digital Personal Data Protection Bill

Definitely, a step forward for protecting the Digital Personal Data of the Indian Citizens (Bhartiya Nagric).

The Importance of Privacy in Digital Marketing

How many times has an advertisement for a product appeared on your social media feed while you were having a real-time conversation about a similar subject? This is the subtlety and sophistication of the world of digital marketing, a world heavily reliant on customer data, as it is beneficial in providing a more targeted, and personalized experience to a customer.

Moreover, accelerated internet penetration in India, along with the proliferation of mobile telephony, has increased the user base, leading to scaling up the volume of personal data points provided to content, e-commerce, and social media applications and websites at unprecedented levels. This trend of providing personal data instead of a personalised user experience attracts a host of privacy considerations, such as data permissions, user consent, profiling, and informed data sharing.

Reliance on Data

Since the advent of the internet, the marketing industry has experimented and leveraged new mediums in ways that are beneficial to its clients. Marketing is integral to businesses all across the globe given that it can prove to be extremely profitable if done the right way. From market research to advertising, a good marketing strategy can make a business float, sink or thrust ahead.

When it comes to market research for the digital medium(s), data analysis is crucial as it facilitates not just the development of the right message, but also understanding how to reach the right person with the message, be it through search engines or social media platforms. Using data related to markers, such as age, gender, past purchase behaviour, and geographical regions, marketers can create personalized advertisements that strike the perfect balance between what the business is selling and what a consumer is looking for.

This balance rests on the bedrock of thousands of cookies that lie semi-dormant in our browsers, analysing our web-surfing patterns, noting the time we spend on a particular video or a photograph, our cursor movements on a particular social media post or the listings or articles we read and share over the internet.

One could safely say our online personas are a culmination of multiple layers of data, data that the marketers depend on to create accurate personality profiles for them to deliver the right product, and services, which we as consumers appreciate due to the salient personalization aspect of it.

Regulatory landscape and privacy considerations

In India, currently, Section 43A of the Information Technology Act, 2000 read with the Information Technology Rules (reasonable security practices and procedures and sensitive personal data or information) would amount to the applicable legal regime vis-a-vis privacy requirements for organizations.

The tipping point for a serious discussion on the need for a comprehensive privacy law came with the Supreme Court’s judgment in KS Puttaswamy (Retd.) and Anr v Union of India which recognized the right to privacy as a part of the right to life and personal liberty.

However, India is on the cusp of introducing a privacy law, the Personal Data Protection Bill, 2019. It was tabled in Lok Sabha in the winter session of the Parliament (December 2020).

If passed in its current form, PDPB will likely increase the cost of operations for organizations’ marketing campaigns. The impact would be due to the requirement to obtain explicit consent from users before processing personal data and inform the user about the nature and categories of personal data collected, along with the purpose, including profiling, for which the data is processed.

Hence, it is prudent for organizations to initiate their readiness efforts to integrate privacy as the backbone of their processing activities. A few best practices are as follows.

Therefore, with reliance on data for efficient target marketing on one hand and compliance-related obligations on the other, marketers and organizations must tread this thin line between value creation through data and the privacy of the customers.

Trust – A New Business KPI

Commercial success is established on trusted relationships powered by the data.

In the new digital era, ‘Trust’ has become a new business KPI. It acts as a glue that binds customers to companies.

Businesses can gain customer trust in the way they manage their data and get their consent to use it in innovative ways. It can make customers confident about security and responsible use of their personal data, which can lead to valuable insights for business growth.

That’s why I think regulations like GDPR, CCPA, and DPDPB should really be seen as a positive opportunity that would provide a stimulus for enterprises to be more transparent about how customer data should be used. Ultimately, this will lead to building customer confidence and establishing greater levels of trust.

What is trust? How do we define and quantify it?

Trust – not a Straightforward Rather a Quite Subjective Term.

We as customers have different expectations from different organizations. The level of trust we demand from BFSI and the healthcare industry is quite different from what we accept from the likes of Google and Facebook.

As a matter of fact, we as consumers have accepted that the big digital players will share our interests with retailers for advertising purposes. We have accepted that it’s a value exchange, allowing us to access their platforms, often for free.

With the changing digital landscape customers are becoming aware of the importance of their data privacy. They expect businesses to take consent from them explicitly. This implies that today’s consumers want total control of their data i.e. the purpose for which their data will be used, how it is being used etc. This means transgressing customers’ privacy, which will lead to risk of losing trust and confidence in an enterprise at any moment.

Here, it becomes imperative to understand the nuances around consumer trust. Getting it right depends on the specific operating model and the value exchange between your offerings and your customers’ data.

Despite the variance in customer expectations and trust, the underlying principle of enhancing the level of trust is transparency. If a business is transparent in managing and sharing how they manage and share customer data, there would be arousal of a common set of expectations that will help to better understand the meaning of consent.

Now-a-days, Consent is becoming the buzz word in the digital world with flurry of regulations like GDPR, CCPA, TCCCPR and DPDP, Bill 2022 etc. that are putting transparency and consumer interest at their core. Therefore, it is required, for organizations to keep their focus on creating and maintaining a sustainable automated business model in compliance with these data privacy regulations. As per these regulations transparency offers two ways to drive growth by:

By taking customers’ consent and remaining transparent on how you use their data will provide enterprises the clarity on customer data and can flag off processes that aren’t working or are impacting their service levels. Further, this will enable in proactively fixing the problem, enhancing customer satisfaction leading to heightened customer experience.

With the demonstration of data accountability, businesses are more likely to earn customer consent, which can further be used in new and innovative ways. As the data has become truly transformative, it can well be used to deliver hyper-personalised services that address customers’ needs and wants.

Ultimately, clear and transparent way of data collection results in enhanced customer trust that can be leveraged to increase the share of the wallet and would facilitate in attracting new customers. This is when your customer become your advocate. Also, it is most likely that they would recommend your services.

In a nutshell, I certainly feel that by embodying data transparency businesses can build greater levels of trust with customers.  Also, by earning customer’s consent, customer data can be used in innovative ways – viz. creating products, services, and experiences. This will provide clear differentiation and an implicit increase in wallet share in today’s highly competitive market.

The Importance of Privacy in Digital Marketing

The Importance of Privacy in Digital Marketing

How many times has an advertisement for a product appeared on your social media feed while you were having a real-time conversation about a similar subject? This is the subtlety and sophistication of the world of digital marketing, a world heavily reliant on customer data, as it is beneficial in providing a more targeted, and personalized experience to a customer.

Moreover, accelerated internet penetration in India, along with the proliferation of mobile telephony, has increased the user base, leading to scaling up the volume of personal data points provided to content, e-commerce, and social media applications and websites at unprecedented levels. This trend of providing personal data instead of a personalized user experience attracts a host of privacy considerations, such as data permissions, user consent, profiling, and informed data sharing.

Reliance on Data

Since the advent of the internet, the marketing industry has experimented and leveraged new mediums in ways that are beneficial to its clients. Marketing is integral to businesses all across the globe given that it can prove to be extremely profitable if done the right way. From market research to advertising, a good marketing strategy can make a business float, sink or thrust ahead.

When it comes to market research for the digital medium(s), data analysis is crucial as it facilitates not just the development of the right message, but also understanding how to reach the right person with the message, be it through search engines or social media platforms. Using data related to markers, such as age, gender, past purchase behaviour, and geographical regions, marketers can create personalized advertisements that strike the perfect balance between what the business is selling and what a consumer is looking for.

This balance rests on the bedrock of thousands of cookies that lie semi-dormant in our browsers, analyzing our web-surfing patterns, noting the time we spend on a particular video or a photograph, our cursor movements on a particular social media post or the listings or articles we read and share over the internet.

One could safely say our online personas are a culmination of multiple layers of data, data that the marketers depend on to create accurate personality profiles for them to deliver the right product, and services, which we as consumers appreciate due to the salient personalization aspect of it.

Regulatory landscape and privacy considerations

In India, currently, Section 43A of the Information Technology Act, 2000 read with the Information Technology Rules (reasonable security practices and procedures and sensitive personal data or information) would amount to the applicable legal regime vis-a-vis privacy requirements for organizations.

The tipping point for a serious discussion on the need for a comprehensive privacy law came with the Supreme Court’s judgment in KS Puttaswamy (Retd.) and Anr v Union of India which recognized the right to privacy as a part of the right to life and personal liberty.

However, India is on the cusp of introducing a privacy law, the Personal Data Protection Bill, 2019. It was tabled in Lok Sabha in the winter session of the Parliament (December 2020).

If passed in its current form, PDPB will likely increase the cost of operations for organizations’ marketing campaigns. The impact would be due to the requirement to obtain explicit consent from users before processing personal data and inform the user about the nature and categories of personal data collected, along with the purpose, including profiling, for which the data is processed.

Hence, it is prudent for organizations to initiate their readiness efforts to integrate privacy as the backbone of their processing activities. A few best practices are as follows.

Therefore, with reliance on data for efficient target marketing on one hand and compliance-related obligations on the other, marketers and organizations must tread this thin line between value creation through data and the privacy of the customers.

How to Authenticate Your Customers that they are who they are?

Traditionally, whenever your customers sign in their online accounts they have to prove through their username and password to the service that ‘they are who they are.’ This is done by a process called ‘Authentication’. To their dismay that’s not a very safe way to go for authentication as usernames are often easy to explore. At times customers have the proclivity to just use their name as complicated password can be hard to remember, people tend to choose the simple ones or same password at many different sites. That’s why almost all online services – banks, insurance, social media, ecommerce etc  – have added a way for the customer’s accounts to be more secure. This is done either as a “Two-Factor Authentication (2FA)” or “Multifactor Authentication (MFA)” but all the good ones operate off the same principle. When the customer signs into their account for the first time on an app he/she needs more than just the username and password. The customer needs a second thing (like OTP, Captcha, or finger print etc) – what is called a second “factor” – to prove who they are.

A factor in authentication is a way of confirming customers’ identity when they try to sign in. For example, a password is one kind of factor, it’s a thing that your customer know. The three most common kinds of factors are:

Something he/she knows – Like a password, or a memorized PIN.

Something he/she has – Like a smartphone, or a secure USB key.

Something he/she is – Like a fingerprint, or facial recognition.

How Does Multi-Factor Authentication Work?

Suppose a customer is going to sign into his/her work account, and enters the username and password for the same. If that’s all the customer need then anybody who knows the username and password can sign in as him/her from anywhere in the world.

But if the customer’s multifactor authentication is enabled, things get more interesting. The first time he/she signs in on a app or device by entering his/her username and password as usual, then he/she gets prompted to enter his/her second factor to verify identity.

The OTP is used as a second factor for authentication. Once the customer will open the app on his/her smartphone, a unique dynamic 6-digit number is sent to him/her through SMS or email that the customer type into the site and gets in.

If some other person tries to sign in, however, that person will enter the customer’s username and password, and gets prompted for that second factor, then that person is stuck. Unless they have the customer’s smartphone or email account, they have no way of getting that 6-digit number to enter. Generally, this 6-digit number has time validity and expires in multiples of 30 seconds. So, even if that person knew the number that was used to sign in on a given day, they’re still locked out.

Important Things to Know About MFA

Some people worry that MFA is going to be really inconvenient, but generally it’s only used the first time a customer signs into an app, or the first time he/she signs in after changing the password. After that you’ll just need your primary factor, usually a password.

The extra security comes from the fact that when somebody other than the customer tries to break into the customer’s account, probably not using his/her device, a need to have that second factor arise.

Presently, MFA is almost used by every online service or transaction that a customer does from bank to personal email to social media accounts as compromised passwords are one of the most common ways for data breach and cheat on your customer data, identity, or money. By using MFA, data breach is made exhausting/harder for them.

What to Consider While Purchasing a MFA Platform?

For selecting the right MFA platform businesses must consider following key factors to ensure that the platform meets their security requirements and can be well integrated with their existing processes:

Security: Enhanced and robust security is the primary reason to implement a MFA platform. So, while selecting a MFA platform, businesses should look into either for token-based authentication, smart card-based authentication, or biometric authentication.

Adaptability: The MFA platform must be adaptable with the enterprise existing IT infrastructure.

Customer Experience: The MFA platform must be easy to use and provide an enhanced and seamless experience to the customers.

Integration and Scalability: The MFA platform should be able to seamlessly integrate with business applications and services and scale up and handle a large number of users and authentication requests.

Compliance: The MFA should comply with industry standards.

Cost & Efficiency: The MFA platform should offer cost-effective and efficient solutions.

Explore a comprehensive MFA platform, AUTHENTRICA that is simple, flexible, robust, reliable, secured and scalable. It also ensures the security and integrity of authentication data for businesses via encryption, secured communication channels, and audit logs. Not to miss its cost effective and guaranteed authentication-token delivery.

Connect with our team of experts by asking for a DEMO.

Importance of Multi-factor Authentication in the Changing Digital World

Multi-factor authentication (MFA) is a layered approach to securing data and applications where a system requires a user to present at least two factors that prove user’s identity.

Why Use MFA?

Cybercriminals use stolen credentials to perform online scams viz. taking over your bank accounts, health care records, etc. Multi-factor authentication is important, as it makes hacking personal information harder for the average criminal.

MFA combines at least two separate factors for authentication. One is typically your username and password, which is something you know. The other could be:

Something you have: A cell phone, key card, or USB could all verify your identity.

Something you are: Fingerprints, iris scans, or some other biometric data prove that you are who you say you are.

Somewhere you are: like your location.

Remember, addition of secondary factors to your username and password protects your privacy.

Do Passwords Offer Enough Security?

We use passwords to sign in into our email systems, work databases, and bank accounts. But, we are usually forced to change our combinations periodically with a hope to stay a bit safer. The fact is, passwords alone can’t provide an appropriate level of security.

When we think about data breaches, we often think about bank accounts and lost money. But the health care sector is also a common target for hackers. Once the health care data is breached, people can change medical records to bill fraudulent companies and make money. An altered record is incredibly difficult to change, and it could impact your health care and credit going forward.

How Does MFA Work?

Instead of eliminating usernames and passwords most MFAs put layers on another verification method to ensure that the cybercriminals are kept away.

How a Typical MFA Process Looks Like?

Registration: A person links an item, such as a cell phone or a hardware token, to the system and asserts that he/she owns it.

Login: A person enters a username and password into a secured system.

Verification: The system connects with the registered item. Phones might ring with verification codes, or hardware token might light up.

Process Completion: The person completes the process with the verified item. Entering verification codes or pushing a button on a key fob are common next steps.

Some systems remember devices but systems demand verification with each login. So, if you always use the same phone or computer to log in, you may not need to verify each visit. But if you attempt to log in on a new device or during an unusual time of day other than your regular time, verification of your identity might be required. Though simple, yet MFA is remarkably effective.

Benefits of Multi-Factor Authentication

Given the realities of today’s security landscape and regulations countless organizations have adopted MFA. Companies are accessing and recognizing these risks and are acting accordingly. Enterprises are adopting MFA to protect security, and that number is rising each year. MFA usage in India in 2022 was recorded at 66%, as compared to 56% globally. So, if you haven’t adopted this technique, the time is opportune to start.

With privacy regulations requiring the latest security policies, the presence of MFA will only continue to become more widespread.

Several reasons for MFA’s current existence:

MFA Enables Stronger Authentication

Risk reduction is critical for any organization, which is why MFA is growing exponentially. In a world where credential harvesting is a constant threat this kind of shielded authentication solution is essential.

With MFA, it’s about granting access based on multiple weighted factors, thereby reducing the risks of compromised passwords. It enables in adding another layer of protection to check cyber security breaches that cost organizations millions.

A security breach caused by a weak user password would understandably have huge consequences for both the company and the customers who trust it.

MFA Offers Security Without Compromising User Experience

Passwords are a headache to remember — the more users need to remember, the lazier their password habits become. Moreover, it’s important to avoid weighing IT teams down with password resets after they’ve implemented more stringent password policies to protect the company.

MFA secures the environment, the people in it, and the devices they’re using without requiring cumbersome resets or complicated policies. Organizations can also make it easier for users by providing them with a variety of factors to choose from or by only requiring additional factors when necessary.

With MFA’s simple deployment and management as well as its seamless integration with a broad range of applications, IT teams are freed up and can focus this time on more strategic tasks.

Use AUTHENTRICA

AUTHENTRICA, adaptive MFA, takes care of cost, inconsistency, inefficiency of secured OTP delivery that are the main challenges in OTP delivery for any enterprise. Some vendors only provide the bare minimum needed to meet compliance requirements – and include lots of hidden costs required for operation and maintenance.

Decide for better method of authentication and learn how AUTHENTRICA, adaptive MFA, could be the right choice for your organization at present.

Flash Call a Verification Factor for Authentication

Flash calls is a seamless and cost-effective way of authenticating or validating user’s mobile numbers. It is a type of multi factor authentication that is similar to OTP sent via SMS. It covers more use cases, including appointment booking, online payment, and even public Wi-Fi connections.

According to Juniper Research, flash calls as authentication factor will grow from 60 million in 2021 to 130 billion in 2026.

Explore how they exactly work and what network operators need to do to ensure they are fairly compensating for the role they play.

About Flash Call

A Flash call is a near-instant dropped call that is automatically placed to a mobile number, usually as part of an authentication process known as Flash call verification.

The relevant numbers assigned in the incoming calls’ numbers are used for authentication for the user’s identity.

By default, there is no termination fee charge for the call as it is answered and is simply recorded as a missed call in the phone’s log.

Working of Flash Call Verification

Flash call verification leverages mobile voice networks to authenticate a user or transaction via an originating phone number. The last couple of digits of the originating phone number are parsed automatically for authentication, rather than a user feeding a code manually that was delivered by SMS.

It is used when a mobile user is registering for a service, installing an app, or doing anything that require them to provide a valid mobile phone number to complete the process.

Unlike most conventional 2FA solutions that require the person to sometimes manually feed a code that is sent to them by SMS, the process uses some of the digits from the incoming calling number as the passcode.

This is all done using secured APIs, so the customer doesn’t have to do anything and will be notified almost immediately that the verification process has been successful.

Benefits Of Flash Call verification

Flash call verification does not require any action on the part of the customers as well as its potentially cheaper cost that can slightly aid in savings for the businesses.

It’s an emerging form of authentication and like SMS, no internet and no smart phone needed. Just a plain old feature phone. Not to miss it is quicker than SMS.

Flash Call feature provides:

 

At CERF we have started journey with our state-of-the-art Multifactor Authentication (MFA) Platform, AUTHENTRICA, that will provide our stakeholders the benefits of harnessing and utilizing the power of Flash Call for the purpose of verification or authentication of user’s identity.

So, explore AUTHENTRICA our reliable, robust, secured and scalable MFA for verification solutions through secured APIs and combine Flash call verification with other factors to ensure sure short OTP delivery, reduced OTP delivery cost and increase in conversions.

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