Omnichannel authentication provides consumers with a seamless authentication experience across all digital touchpoints. It uses multiple solutions centered around the consumer's device, including transparent device-based authentication and risk-aware multi-factor authentication. This approach understands the risks and context better to improve both security and experience. It benefits businesses by improving usability, enabling mobile strategies, increasing customer satisfaction and transactions, while also reducing costs and risks for security teams.

1. When Customers Win:
OmniChannel Authentication
MICHAEL THELANDER, DIRECTOR OF PRODUCT MARKETING

2. Authentication
“The corroboration of a claimed identity
to an agreed-upon level of assurance.”

6. W H E N C U S T O M E R S W I N : O M N I C H A N N E L A U T H E N T I C AT I O N
WHAT IS OMNICHANNEL AUTHENTICATION?
THE IMPORTANCE OF RISK AND
CONTEXT
WHAT IS REQUIRED?
BENEFITS TO YOU AND YOUR CUSTOMERS

7. WHAT IS OMNICHANNEL AUTHENTICATION?

8. WHAT IS OMNICHANNEL AUTHENTICATION?
T H E S A M E E X P E R I E N C E A C R O S S A L L C O N S U M E R T O U C H P O I N T S

9. WHAT IS OMNICHANNEL AUTHENTICATION?
T H E S A M E E X P E R I E N C E A C R O S S A L L C O N S U M E R T O U C H P O I N T S

10. THE IMPORTANCE OF RISK AND CONTEXT

11. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better1

12. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better1

13. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
1
2

14. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
1
2

15. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
Adapt as risk and context change
1
2
3

16. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
Adapt as risk and context change
1
2
3

17. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
Adapt as risk and context change
Have tools that help you respond to those changes
1
2
3
4

18. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
Adapt as risk and context change
Have tools that help you respond to those changes
1
2
3
4

19. THE IMPORTANCE OF RISK AND CONTEXT
F O U R T H I N G S T O I M P R O V E B O T H S E C U R I T Y A N D E X P E R I E N C E
Understand the risks better
Understand the context better
Be able to adapt as risk and context change
Use tools that help you respond to those changes
1
2
3
4

20. WHAT IS REQUIRED?

21. WHAT DOES OMNICHANNEL REQUIRE?
M U LT I P L E S O L U T I O N S C E N T E R E D O N T H E C U S T O M E R ’ S D E V I C E
Transparent, device-based
authentication that provides context
Risk-aware multifactor authentication
that provides variable assurance
1
2
3

22. WHAT DO WE MEAN BY “DEVICE -BASED”?
M A C H I N E L E A R N I N G T H AT A U T H E N T I C AT E S A K N O W N D E V I C E
Transparent device-based authentication
eliminates friction for most users
Turns your customer’s mobile device into a
reliable possession factor
Machine learning continuously assesses
devices
Highlights the risk and context of any device
Adaptive, contextual response drives step-up
authentication and subsequent actions
MINIMUM
THRESHOLD
MAXIMUM
THRESHOLD
Original Device
Print
Returning
Device Print

23. WHAT DO WE MEAN BY “MULTIFACTOR”?
M O B I L E - B A S E D A U T H E N T I C AT I O N T H AT D E L I V E R S A VA R I E T Y O F F A C T O R S
Something you
KNOW
Something you
HAVE
Something you
ARE

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25. AUTHENTICATION AND USER EXPERIENCE
Lower Risk
Higher Risk
Transparent
DEVICE-BASED AUTHENTICATION SERVICE
Interactive
MOBILE MULTIFACTOR AUTHENTICATION
Real-time
EXPLICIT AUTHORIZATION
80%
15%
5%

26. Transparent
DEVICE-BASED AUTHENTICATION SERVICE

27. EVASION
IP ADDRESS
JAILBROKENGEOLOCATION
SECURITY RISK
ASSOCIATIONS
INITIAL REGISTRATION AUTHENTICATED

28. Transparent
DEVICE-BASED AUTHENTICATION SERVICE
Interactive
MOBILE MULTIFACTOR AUTHENTICATION

31. Transparent
DEVICE-BASED AUTHENTICATION SERVICE
Interactive
MOBILE MULTIFACTOR AUTHENTICATION
Real-time
EXPLICIT AUTHORIZATION

33. I agree
YOU ARE
who you say you
are….
But are you
AUTHORIZED
to do what you’re
asking to do?

34. Real-time
Authorization
For Multiple
Authorizers
OR
A U T H O R I Z E I N D I V I D UA L O R G R O U P T R A N S A C T I O N S

35. Transparent
DEVICE-BASED AUTHENTICATION SERVICE
Interactive
MOBILE MULTIFACTOR AUTHENTICATION
Real-time
EXPLICIT AUTHORIZATION
The Right Authentication for Every Channel and Every Level of Risk

36. BENEFITS TO YOU AND YOUR CUSTOMERS

37.  1,095 US Consumers
 Mixed demographics
 Priorities between ease-
of-use and security
 Authentication impacts
 Willingness to pay for
stronger authentication
 What is their confidence?
AITE REPORT
N E W R E S E A R C H I N T O C O N S U M E R P E R S P E C T I V E S

38.  Ease of use is only
marginally more important
than security and fraud
prevention
 Equally true for all
demographics
 With regard to interactive
authentication and
authorization, Millennials
and Seniors are alike in
many respects
AITE REPORT
N E W R E S E A R C H I N T O C O N S U M E R P E R S P E C T I V E S

39.  There’s a high
willingness to use
alternate authentication
methods …
 And very few who are
not at all willing
AITE REPORT
N E W R E S E A R C H I N T O C O N S U M E R P E R S P E C T I V E S

40.  Willingness to change
increases as expected
with an incentive in place
AITE REPORT
N E W R E S E A R C H I N T O C O N S U M E R P E R S P E C T I V E S

41.  Usability is a competitive differentiator
 Improved authentication enables your
mobile application strategy
 Your customers create more sessions ad
transaction if authentication is not a barrier
 Customer satisfaction is disproportionately
based on digital experience
WHEN CONSUMERS WIN …
B U S I N E S S T E A M S A N D S E C U R I T Y T E A M S A L S O W I N
 Start on a “path to passwordless”
 Reduce costs by simplifying and unifying
authentication and authorization experiences
 Gradually reduce – and then eliminate –
your on-premise credential stores
 Leverage the risk and contextual insight the
fraud prevention teams already generate
Benefits for Business Leaders Benefits for Risk & Security Teams

43. Visit
www.iovation.com/resources