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Authentication Simple as a Selfie
How Biometrics are Reducing Customer Friction & Improving Security
Paul Wilson
Product M...
AGENDA
• The state of authentication today
• Why biometric authentication?
• New biometric options and how they
reduce cus...
The state of authentication
"There is no doubt that over time, people are
going to rely less and less on passwords. People...
The state of authentication
The password has proven
very hard to replace
The state of authentication
Big companies pushing authentication
technologies to corporations
It is 2016…
There is no silver bullet in security
Your customers prefer tools that are
easy to use and they perceive as secure
Digital disruption is here
• Employees are working from home
• Remote teams and offices
• Self support
• Digital banking
•...
Why Biometrics?
Easy – Secure – Fun!
Convenience, especially on mobile
No need to remember passwords
Biometric devices are already in use
Easy
Secure
High perception of security
Hard to duplicate
Can add factors to prevent duplication
Fun
Customers very interested in biometrics
Fun features, like taking a selfie
Biometrics a buzzword at the moment with
Ap...
Biometric options
• DNA Matching
• Ear
• Eyes - Iris Recognition
• Eyes - Retina Recognition
• Face Recognition
• Fingerpr...
Mobile devices and how they
influence biometrics
• Smartphone sales keep increasing
• Customers require experiences with l...
• Hard to duplicate
• Biometric devices
already deployed
among customers
• High perception of
security
• In some cases, ea...
Biometric Authentication
• Biometrics won´t replace passcodes
• Passcodes are secret, random and can
be easily destroyed
•...
Best practices biometrics
> Biometrics should be optional
> Different types for adapting to user needs and situation
> Fra...
Why are other factors important?
Multi-Factor Authentication
> To cover all end-user scenarios
> To improve low friction a...
Three biometric factors that are gaining traction
Voice Face Fingerprint
Voice
• Language, accent and dialect
independent
• Real-time tuning
• Mobile SDK available
• Voiceprints are stored
• End-...
Face
• Liveness Verification, “Blink”
• Move head during registration
• Better recognition
• Changes do not affect recogni...
Touch
Protect access to apps
Protect access to Push
Notifications
Leverages device utility
Biometric Authentication in the News
Biometric Authentication in the News
Google launches face biometrics
payment app – March 3, 2016
La Banque Postale uses vo...
Key Takeaways
• Biometrics allow for a more
convenient customer
authentication experience…
• But, standalone biometric
aut...
Thank you! – Questions?
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Authentication Simple as a Selfie - How Biometrics are Reducing Customer Friction & Improving Security

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Biometric authentication adoption is booming because it helps balance security and convenience by reducing customer friction. Our fingerprints, voice, face and more can all be used to validate our identity online. But where do biometrics fit in an authentication framework and how can these factors best be deployed?

In this webinar, we will discuss:

- New biometric options and how they reduce customer friction
- Channels other than mobile to consider when launching biometrics
- The need to integrate biometrics with legacy authentication systems
- Why biometrics need to be part of an authentication framework in a layered fraud protection strategy

Published in: Technology
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Authentication Simple as a Selfie - How Biometrics are Reducing Customer Friction & Improving Security

  1. 1. Authentication Simple as a Selfie How Biometrics are Reducing Customer Friction & Improving Security Paul Wilson Product Manager
  2. 2. AGENDA • The state of authentication today • Why biometric authentication? • New biometric options and how they reduce customer friction • Why biometrics need to be part of an authentication framework
  3. 3. The state of authentication "There is no doubt that over time, people are going to rely less and less on passwords. People use the same password on different systems, they write them down and they just don't meet the challenge for anything you really want to secure." Bill Gates - 2004
  4. 4. The state of authentication The password has proven very hard to replace
  5. 5. The state of authentication Big companies pushing authentication technologies to corporations
  6. 6. It is 2016… There is no silver bullet in security
  7. 7. Your customers prefer tools that are easy to use and they perceive as secure
  8. 8. Digital disruption is here • Employees are working from home • Remote teams and offices • Self support • Digital banking • Online customer portals
  9. 9. Why Biometrics? Easy – Secure – Fun!
  10. 10. Convenience, especially on mobile No need to remember passwords Biometric devices are already in use Easy
  11. 11. Secure High perception of security Hard to duplicate Can add factors to prevent duplication
  12. 12. Fun Customers very interested in biometrics Fun features, like taking a selfie Biometrics a buzzword at the moment with Apple Touch ID
  13. 13. Biometric options • DNA Matching • Ear • Eyes - Iris Recognition • Eyes - Retina Recognition • Face Recognition • Fingerprint Recognition • Finger Geometry Recognition • Hand Geometry Recognition • Signature Recognition • Typing Recognition • Vein Recognition • Voice / Speaker Recognition • Voice - Speaker Verification / Authentication • Voice - Speaker Identification
  14. 14. Mobile devices and how they influence biometrics • Smartphone sales keep increasing • Customers require experiences with less friction • Mobile sensors facilitate all the work • Front-facing camera • Fingerprint reader • Microphone • Hardware-agnostic biometrics
  15. 15. • Hard to duplicate • Biometric devices already deployed among customers • High perception of security • In some cases, easy to steal • Nearly impossible to replace • Common to multiple destinations
  16. 16. Biometric Authentication • Biometrics won´t replace passcodes • Passcodes are secret, random and can be easily destroyed • Biometrics are not secret • It is important to verify biometrics are used by its real owner when being authenticated
  17. 17. Best practices biometrics > Biometrics should be optional > Different types for adapting to user needs and situation > Framework is essential: > Facilitates migration > Validate device with analytics > Multi-channel ready – options for registrations > Voice, Face and Fingerprint best suited for mobile
  18. 18. Why are other factors important? Multi-Factor Authentication > To cover all end-user scenarios > To improve low friction authentication > Voice and Device ID together are very secure and retain a very good end-user experience > To fulfill the – “Something you have, something you know and something you are” requirement > Often suggested in regulations/compliance/audits > DID combinations fulfill this - Device ID, OTP/Password, Biometrics
  19. 19. Three biometric factors that are gaining traction Voice Face Fingerprint
  20. 20. Voice • Language, accent and dialect independent • Real-time tuning • Mobile SDK available • Voiceprints are stored • End-user enrolls a passphrase
  21. 21. Face • Liveness Verification, “Blink” • Move head during registration • Better recognition • Changes do not affect recognition • Dark light • Glasses • Hair style • Expressions • Technology measures and records various points on a human face
  22. 22. Touch Protect access to apps Protect access to Push Notifications Leverages device utility
  23. 23. Biometric Authentication in the News
  24. 24. Biometric Authentication in the News Google launches face biometrics payment app – March 3, 2016 La Banque Postale uses voice biometrics to authenticate card not present payments – March 28, 2016
  25. 25. Key Takeaways • Biometrics allow for a more convenient customer authentication experience… • But, standalone biometric authentication solutions are not foolproof • For convenience and security, biometrics must be deployed as part of an authentication framework
  26. 26. Thank you! – Questions?

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