A Look at Frictionless Authentication

Date: Nov. 1, 2018

The paradigm for identity risk management and authentication is changing. In the new paradigm, context and data available for a specific type of interaction must drive analytics. Instead of just looking for commonality, we need to make better use of data that is unique.

  • Consumer/business interactions vary widely in terms of the amount of data they provide to drive risk assessment.
  • The amount and range of data available to assess identity risk is now so rich and varied across interactions that the analytical approach must also change.

Frictionless authentication: The “passive” use case focuses provides a completely frictionless experience for the end user, while thoroughly authenticating the user’s identity as a background process; usually requires a higher level of confidence driven by the transaction value.

  • Built around the use of passive authentication methods, especially behavioral biometrics (BioCatch), and device intelligence using Danal and FraudNet.
  • New, unique data and a new approach to analytics and machine learning to make informed identity decisions to the right level of confidence.



Chris Ryan

Business Consultant, Experian Fraud and Identity Verification


Frances Zelazny

Chief Strategy & Marketing Officer, BioCatch


Mike Gross

Product Innovation Director, Global Fraud and Identity Verification, Experian

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