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©2018 Nok Nok Labs
Future of Consumer Authentication
Rajiv Dholakia, VP Products
rajiv@noknok.com
©2018 Nok Nok Labs
Nok Nok: Modern Authentication Delivered
Invented Modern Authentication
Showcase Identity as Business Edge
Lead in Mobile & Biometrics
Making Nok Nok S3 Platform
De facto Choice
Modern Authentication Solutions that are Simple, Strong, Scalable
Delivered on Any Device, Any OS, Any Network …. Anywhere in the World
Founded & led the FIDO Alliance,
co-author of UAF, FIDO2
Deployed 1st global solutions in major markets
Mobile Operators, Banks/Fintech, Healthcare, IoT
Designed security architecture for biometrics
& tokens and licensed to eco-system
Innovated above and beyond FIDO
145M+ users, 4.5B+ Transactions
©2018 Nok Nok Labs
Leveraging ModernAuthentication can be Transformative to your Business
USABILITY DRIVES USAGE
3
Reduced Costs
✓ Improved Customer Experience
✓ Higher customer retention and
satisfaction
✓ Enhanced brand loyalty –
“stickiness”
✓ Increased revenue from use of
services and transactions
✓ Reduced cost associated with
physical visits
✓ Reduced cost of password resets
✓ Reduction in fraud and identity
theft
✓ Increased privacy
✓ Reduced call center costs to
verify users
Increase Revenues
Why FIDO Authentication?
- Trust & Security
- User Experience
- Diversity of use cases, requirements
- The Airbag problem
©2018 Nok Nok Labs
Cloud Services,
Ecommerce, IoT,
Distributed Ledgers…
AUTHENTICATION, SECURITY & PRIVACY ARE VITAL FOR SOCIETY
5
USER ON PC/MOBILE
CLOUD
SERVERS
CONNECTED OBJECTS
INDUSTRIAL SENSORS
No actionable value to data
If you cannot
trust the interactions
RIGHT USER?
RIGHT DEVICE?
RIGHT
CONTEXT?
CAN I POST THIS
DATA,
SHOULD IT BE
TRUSTED?
SHOULD I TRUST
THIS COMMAND?
CAN I POST THIS
TRANSACTION?
©2018 Nok Nok Labs
TRUST IN DIGITALINTERACTIONS
6
Right
User
Right
Device
Right
Context
How could this assurance transform your business?
©2018 Nok Nok Labs
Looking Back at the “The Lost Decades”
Users were Collateral Damage
PRIVACY
SECURITY
EASE OF USE
SCALE
©2018 Nok Nok Labs
“Primary InteractionDevices”
EQUIPPEDWITHBIOMETRICS &GESTUREORIENTEDCAPABILITIES
• PIDs Verify the user through user interactions and gestures
• Trust Execution Environments and/or Secure Elements add security foundation for
templates, matching, keys, privacy-centric crypto protocols like FIDO
2007 2013-2017 2018-2028
©2018 Nok Nok Labs
FUTURE OF CONSUMERAUTHENTICATION
GOLDENAGE orAPOCALYPSE?
9
Password, OTP, Server Side
Biometric Match
Border/Perimeter Control
Applications, Surveillance
Systems
Client Side Uni-Modal
Biometrics for Device
Unlock
Client Side Uni-Modal
Biometrics for Device &
Cloud Service Access
on Mobile
Client Side Multi-Modal,
Mobile, Wearable &
Card based for
Physical, IoT & Cloud
Services
Client & Server Side
Multi-Modal, Mobile,
Wearable & Card based
for Physical & Cloud
Services, Sensor
Surround for
Continuous
Authentication
RecognitiontoAuthentication
This is the curve we are
riding…
©2018 Nok Nok Labs
WHY USE FIDO vs. DIY
10
vs.
©2018 Nok Nok Labs
FIDO FULFILLS THESE REQUIREMENTS
Why Now? Convergence of Market Forces are Driving Change
Digital
Wave
Pain of
Passwords
Standards &
Regulations
Mobile &
Biometrics
Wave
Learning from Customer engagements
12
MOTIVATIONS, SOLUTIONS, PROCESSES
©2018 Nok Nok Labs
FIDO is a platform building block
Passwords
Identity Proofing & Recovery
User Management
Authentication
Federation
Session
Mgt
Risk-BasedStrong
MODERN
AUTHENTICATION
Risk-Based
IdentitySystem
13
©2018 Nok Nok Labs
Cost Effectiveness Cost to develop and maintain?
Ease of Deployment Effort to implement and support?
Risk
Biometric information storing and
protection?
Security
Fraud reduction, e.g. man-in-the-middle
and phishing attacks?
Future Proofing
Effort to incorporate additional
modalities?
Scalability
Support for millions of users and diverse
use cases?
Customer Experience Seamless and frictionless experience?
DECISIONSABOUT SECURITYARE NOTALWAYS RATIONAL
COMPLEXITYPARALYSIS,EMOTIONALDRIVERS,FEAR HAZARDS
14
Considerations
$
©2018 Nok Nok Labs
The FIDO Journey – The Ideal Process
Develop Identity,
Authentication Strategy
• 3-5 year roadmap
Integrate FIDO into the
IAM system
• Architecture, Scale,
Exception Handling,
Security
Launch & Adoption
• Customer, Service &
Partner Preparedness
& Communication
Marketing &
Monetization
• Use FIDO as a
strategic weapon
Advanced Initiatives
• IOT,
Blockchain
...
15
©2018 Nok Nok Labs
MasteringAuthentication: Best Practices
16
Recognition or Authentication?
What’s at stake? Consent?
Active or Passive? Single
or Multi-Modal?
Recovery? Lifecycle
model?
Documented Threat
Model? How are templates
& matcher protected?
Attack vectors?
Failure modes,
Predictability,
Operational variations?
Is there PII? Who
owns the
biometric?
Operating multiple
authentication silos
or standards-based
approach?
ü Run a POC
ü Develop a framework for use (beware shiny objects)
ü Build a 3-5 year roadmap
ü Consider a standards-based approach with FIDO
©2018 Nok Nok Labs
What about Authenticators?
• No single authenticator modality will replace passwords
• No perfect Authenticator
• All authenticators can be attacked, all authenticators are subject to compromise
• How do you choose?
• Usability
• Security
• Cost
• The point of the framework is to deploy the right authenticator(s) to raise the cost
of attack and make it not worthwhile
17
©2018 Nok Nok Labs
BENEFIT of a FIDO FRAMEWORK
Enabling MultifactorAuthentication
Easy for developer,IT& END-USER
RIGHTLEVELOFABSTRACTION
18
Something I
Know
Something
I Have
Something I Have
+
Something I
Know
Or
Something I
Have, Who I am
…
Or
[Something I
Have, Who I am]
x2
…
TapTouch
SAME DEVELOPER API, SAME BACKEND, DIFFERENT POLICY
©2018 Nok Nok Labs
SINGLE MOST EFFECTIVE INVESTMENT
DeliversEaseofUse&Security
19
Would you take pills for every waterborne disease
every time you took a drink of water or would you
rather chlorinate the water?
Current state of security: Its like drinking water from the tap in 1800s

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Deploying FIDO Authentication - Business Considerations

  • 1. ©2018 Nok Nok Labs Future of Consumer Authentication Rajiv Dholakia, VP Products rajiv@noknok.com
  • 2. ©2018 Nok Nok Labs Nok Nok: Modern Authentication Delivered Invented Modern Authentication Showcase Identity as Business Edge Lead in Mobile & Biometrics Making Nok Nok S3 Platform De facto Choice Modern Authentication Solutions that are Simple, Strong, Scalable Delivered on Any Device, Any OS, Any Network …. Anywhere in the World Founded & led the FIDO Alliance, co-author of UAF, FIDO2 Deployed 1st global solutions in major markets Mobile Operators, Banks/Fintech, Healthcare, IoT Designed security architecture for biometrics & tokens and licensed to eco-system Innovated above and beyond FIDO 145M+ users, 4.5B+ Transactions
  • 3. ©2018 Nok Nok Labs Leveraging ModernAuthentication can be Transformative to your Business USABILITY DRIVES USAGE 3 Reduced Costs ✓ Improved Customer Experience ✓ Higher customer retention and satisfaction ✓ Enhanced brand loyalty – “stickiness” ✓ Increased revenue from use of services and transactions ✓ Reduced cost associated with physical visits ✓ Reduced cost of password resets ✓ Reduction in fraud and identity theft ✓ Increased privacy ✓ Reduced call center costs to verify users Increase Revenues
  • 4. Why FIDO Authentication? - Trust & Security - User Experience - Diversity of use cases, requirements - The Airbag problem
  • 5. ©2018 Nok Nok Labs Cloud Services, Ecommerce, IoT, Distributed Ledgers… AUTHENTICATION, SECURITY & PRIVACY ARE VITAL FOR SOCIETY 5 USER ON PC/MOBILE CLOUD SERVERS CONNECTED OBJECTS INDUSTRIAL SENSORS No actionable value to data If you cannot trust the interactions RIGHT USER? RIGHT DEVICE? RIGHT CONTEXT? CAN I POST THIS DATA, SHOULD IT BE TRUSTED? SHOULD I TRUST THIS COMMAND? CAN I POST THIS TRANSACTION?
  • 6. ©2018 Nok Nok Labs TRUST IN DIGITALINTERACTIONS 6 Right User Right Device Right Context How could this assurance transform your business?
  • 7. ©2018 Nok Nok Labs Looking Back at the “The Lost Decades” Users were Collateral Damage PRIVACY SECURITY EASE OF USE SCALE
  • 8. ©2018 Nok Nok Labs “Primary InteractionDevices” EQUIPPEDWITHBIOMETRICS &GESTUREORIENTEDCAPABILITIES • PIDs Verify the user through user interactions and gestures • Trust Execution Environments and/or Secure Elements add security foundation for templates, matching, keys, privacy-centric crypto protocols like FIDO 2007 2013-2017 2018-2028
  • 9. ©2018 Nok Nok Labs FUTURE OF CONSUMERAUTHENTICATION GOLDENAGE orAPOCALYPSE? 9 Password, OTP, Server Side Biometric Match Border/Perimeter Control Applications, Surveillance Systems Client Side Uni-Modal Biometrics for Device Unlock Client Side Uni-Modal Biometrics for Device & Cloud Service Access on Mobile Client Side Multi-Modal, Mobile, Wearable & Card based for Physical, IoT & Cloud Services Client & Server Side Multi-Modal, Mobile, Wearable & Card based for Physical & Cloud Services, Sensor Surround for Continuous Authentication RecognitiontoAuthentication This is the curve we are riding…
  • 10. ©2018 Nok Nok Labs WHY USE FIDO vs. DIY 10 vs.
  • 11. ©2018 Nok Nok Labs FIDO FULFILLS THESE REQUIREMENTS Why Now? Convergence of Market Forces are Driving Change Digital Wave Pain of Passwords Standards & Regulations Mobile & Biometrics Wave
  • 12. Learning from Customer engagements 12 MOTIVATIONS, SOLUTIONS, PROCESSES
  • 13. ©2018 Nok Nok Labs FIDO is a platform building block Passwords Identity Proofing & Recovery User Management Authentication Federation Session Mgt Risk-BasedStrong MODERN AUTHENTICATION Risk-Based IdentitySystem 13
  • 14. ©2018 Nok Nok Labs Cost Effectiveness Cost to develop and maintain? Ease of Deployment Effort to implement and support? Risk Biometric information storing and protection? Security Fraud reduction, e.g. man-in-the-middle and phishing attacks? Future Proofing Effort to incorporate additional modalities? Scalability Support for millions of users and diverse use cases? Customer Experience Seamless and frictionless experience? DECISIONSABOUT SECURITYARE NOTALWAYS RATIONAL COMPLEXITYPARALYSIS,EMOTIONALDRIVERS,FEAR HAZARDS 14 Considerations $
  • 15. ©2018 Nok Nok Labs The FIDO Journey – The Ideal Process Develop Identity, Authentication Strategy • 3-5 year roadmap Integrate FIDO into the IAM system • Architecture, Scale, Exception Handling, Security Launch & Adoption • Customer, Service & Partner Preparedness & Communication Marketing & Monetization • Use FIDO as a strategic weapon Advanced Initiatives • IOT, Blockchain ... 15
  • 16. ©2018 Nok Nok Labs MasteringAuthentication: Best Practices 16 Recognition or Authentication? What’s at stake? Consent? Active or Passive? Single or Multi-Modal? Recovery? Lifecycle model? Documented Threat Model? How are templates & matcher protected? Attack vectors? Failure modes, Predictability, Operational variations? Is there PII? Who owns the biometric? Operating multiple authentication silos or standards-based approach? ü Run a POC ü Develop a framework for use (beware shiny objects) ü Build a 3-5 year roadmap ü Consider a standards-based approach with FIDO
  • 17. ©2018 Nok Nok Labs What about Authenticators? • No single authenticator modality will replace passwords • No perfect Authenticator • All authenticators can be attacked, all authenticators are subject to compromise • How do you choose? • Usability • Security • Cost • The point of the framework is to deploy the right authenticator(s) to raise the cost of attack and make it not worthwhile 17
  • 18. ©2018 Nok Nok Labs BENEFIT of a FIDO FRAMEWORK Enabling MultifactorAuthentication Easy for developer,IT& END-USER RIGHTLEVELOFABSTRACTION 18 Something I Know Something I Have Something I Have + Something I Know Or Something I Have, Who I am … Or [Something I Have, Who I am] x2 … TapTouch SAME DEVELOPER API, SAME BACKEND, DIFFERENT POLICY
  • 19. ©2018 Nok Nok Labs SINGLE MOST EFFECTIVE INVESTMENT DeliversEaseofUse&Security 19 Would you take pills for every waterborne disease every time you took a drink of water or would you rather chlorinate the water? Current state of security: Its like drinking water from the tap in 1800s