Risk Based Authentication

Offer your customers secure and seamless digital transactions with Wibmo’s Risk-Based Authentication (RBA) framework.

Overview

Wibmo’s ACCOSA RBA (risk-based authentication) enables service providers to authenticate digital payments without adding friction to low-risk transactions.

Based on risk assessment from TRIDENT FRM, Wibmo’s fraud detection and prevention engine, ACCOSA RBA determines if a transaction needs further validation by the consumer, i.e. to step-up or step-down authentication. This mode of intelligent authentication provides a balance between consumer experience and fraud losses.

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Features

EMV 3D for Added Protection

EMV 3 DS Secure protocol. Also complies with PSD2 SCA requirements

Configurable Business Rules

Rules can be configured and applied in real-time

Analytics Dashboards and fraud insights

Use the power of Big Data to drive analytics and fraud insights derived from 130+ Banks and over 2.2 Billion transactions annually

Robust Policy manager

Configure whether the transaction needs additional authentication through available challenge methods or can be frictionless

Benefits

Increased Sales

Frictionless authentication provides optimized consumer experience resulting into increased sales

Reduced Fraud

Intelligent authentication minimizes fraud losses without compromising on customer experience

Real-Time Decision Making

Analyze and score every transaction in real-time using both Best-in-Class rules engine and advanced Machine Learning algorithms