Traditional authentication solutions can be a major hindrance to user experiences. Stronger security simply doesn’t play well with ease of use for consumers.
That may have been true in the past, but times are changing.
With behavioral biometric authentication, companies no longer have to choose between top-notch security solutions and user experience. The two go hand-in-hand.
4 Reasons Behavioral Biometric Authentication Leads to Happier Consumers
The appeal of behavioral biometrics is that consumers never have to take extra steps to identity themselves online. Behavioral biometrics run continuously in the background of sessions, using machine learning and special tests (we call them Invisible Challenges), to build up user profiles.
These profiles identify a user based on their unique behavior. How a consumer interacts within a session differentiates them from any other potential user, including hackers and automated attacks.
All customers have to do is be their honest selves. That’s a big improvement from current authentication solutions, which slow users down, cause friction, and ultimately fail at providing needed security.
Behavioral biometrics eliminate the following four features of traditional authentication to bring about frictionless user experiences.
1. Making passwords a thing of the past
Passwords are frustrating to users for several reasons. First, they are hard to remember. To be truly secure, you need a different password for each of your accounts. With all we do online in a given day, that’s a lot of passwords to keep track of. Secondly, customers are annoyed by the requirements for special characters, capital letters, and a specific character length. What people want to do is access your app, website, or service, and passwords are holding them back. Behavioral biometric authentication eliminates the need for passwords (which aren’t secure anyway). The way you scroll, swipe, and type identifies you as you, not a static piece of information a consumer has to enter.
2. Removing friction caused by 2FA
Two-factor authentication has been a go-to authentication solution, but is rapidly losing its charm. It’s easy for hackers to circumvent and it slows users down, making them put in extra effort to access their account. Waiting for a texted SMS code, which they then have to type in, or asking for an additional fingerprint or facial scan adds unnecessary time to the authentication process. Behavioral biometrics take away the need for 2FA at login, instead authenticating users based on how they interact within a session from the moment they login to the moment they logout.
3. Stopping frustrating false declines
There’s nothing more irritating than a false decline. Though they’re meant to protect consumers, it’s still unpleasant when a bank or business incorrectly flags a transaction or account opening for fraud. Consumers then have to go through what’s called step-up authentication to regain access. These extra steps could be re-entering your credentials online or making a call to customer service. Behavioral biometric authentication reduces false declines by keeping an eye on user behavior, not their location or their device, to assess the risk of a fraudulent session. Behavioral biometrics run in the background and only require step-ups when the situation is high-risk.
4. Ending online fraud and identity theft
One of the biggest challenges of digital transformation is making users feel secure in the digital world. Hacks and data breaches have made fraud and identity theft all too common. Consumers will certainly have a better experience with your company when they don’t have to worry about cybercriminals wiping their bank accounts or stealing and trashing their credit scores. Behavioral biometrics give consumers confidence, security, and a seamless user experience by stopping the worst cyber threats out there, like automated attacks, malware, phishing, and social engineering.
Authentication solutions that are secure and eliminate unnecessary interruptions are the way of the future. Companies that embrace these solutions now will gain consumers’ trust and give them the convenience that is, afterall, the promise of digital transformation.Learn more about BioCatch’s approach to authentication with behavioral biometrics.