The European Union’s Payment Services Directive 2 (PSD2) regulation finally came into full force in most countries this year, putting the burden on companies to meet authentication requirements for payments. Regulations like these often come with additional security hoops consumers have to jump through. But it doesn’t have to be that way. With the right strategy, companies can provide frictionless online experiences while remaining compliant with constantly changing regulations, including PSD2. Using passive behavioral biometrics, you can seamlessly verify that
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In the middle of teaching his Journalism class at NYU, Adam Penenberg’s laptop stops but it’s not frozen. A grey screen appears and directs him to dial a number to unlock his computer. Bemused, as the lecture grinds to a halt, he reaches for his phone. It won’t accept his PIN code. He’s been hacked. You might not be aware that hijacking somebody’s life – full-scale identity theft – doesn’t require any hacking expertise. Just criminal intent and some spare 
Let’s look at the traditional method of Knowledge-based authentication to understand its shortfalls. Background Since the dawn of the web, online account authentication has barely changed. A user would input their username (email or screen name) and follow up with a password. This is the foundation of knowledge-based authentication (KBA) For companies that aim to appear more secure, it isn’t uncommon for them to use knowledge-based authentication questions in addition to your password. I bank with two different bank accounts;