Risk-Based Authentication (RBA)

Risk-Based Authentication (RBA) is a method of authentication that determines the level of risk associated with a user’s login attempt and tailors the authentication process accordingly. It analyzes various factors and attributes, such as user behavior, location, device type, time of login, and transaction type, to assess the level of risk. By analyzing these factors, RBA can identify suspicious activities and adapt the authentication process to provide additional security measures if necessary.

RBA uses a layered approach to authentication, combining multiple factors such as passwords, biometrics, security questions, or one-time passwords, to verify the user’s identity. It provides a more dynamic and adaptive approach to authentication, ensuring that the appropriate level of security is implemented based on the risk level associated with each login attempt. This helps organizations strike a balance between security and user experience by minimizing frictions for low-risk activities while implementing additional security measures for high-risk scenarios. Overall, RBA enhances the security of digital systems by intelligently adapting authentication methods based on the level of risk presented by each user login attempt.