People around the world are increasingly conducting their banking operations online from a range of devices, including computers, tablets, and mobile phones. Because of that, businesses and merchants need to ensure that users attempting to access accounts are authorized. Banks and other financial institutions have a legal responsibility to ensure that individuals trying to open accounts fit specific criteria. The validation of user legitimate identity is what is known as Identity Proofing.


Behavioral Biometrics is the discipline of study related to the measure of uniquely identifying and measurable patterns in human activities. The term diverges by physical biometrics, which involves innate human characteristics (for example, fingerprints, face, or iris).
When it comes to Authentication, Behavioral Biometrics allows us to associate a unique profile to a user to recognize it while accessing the service. The goal is to prevent Account Takeovers.


The main challenge when it comes to Identity Proofing is to increase user security without degrading their UX. Behavioral biometrics provides a powerful way to prevent identity-related frauds and malware-based or bot attacks. At the same time, it gives an effective way to keep the security level high without introducing UX friction or without requiring the adoption of dedicated hardware.


Authentication for us is much more of a password or second factor of authentication. In the XTN Cognitive Security Platform®, Digital Identity validation relies on different layers: Behavioral Biometrics features, Endpoint Trust, and Cryptographic Quantities. These layers let us modulate the authentication factors considering the endpoint trust or risk and including continuous behavioral analysis to recognize anomalies. Our goal is to provide the smoothest user experience possible while keeping the highest security level. To do that, we consider the endpoint, and in particular, mobile devices, as the central actor in Identity Proofing.