Beyond FFIEC Compliance: Creating an Evolving Authentication Platform for Higher Lifetime Consumer Value

Table of Contents

• Overview
• Key Questions
• Primary Findings
• Introduction & Background
• Evolving Authentication Platform: Dual Risk and Dual Challenges
• Consumer Preference, Compliance and Cross-Channel Protection
• Optimal Solutions in the Evolving Authentication Platform
• Existing Solutions Plug into the Evolving Platform
• Working with Present Systems: Integrating Tokens and Session-Risk Assessment
• Vendor Analysis and Best of Breed
• Conclusions
• Methodology
• Related Research
• Appendices

Table of Figures

• Figure 1: Evolving Authentication Platform
• Figure 2: Consumer Views on Responsibility for Online Protection
• Figure 3: Always Visible Vs. Visible Only After Additional Verification
• Figure 4: Consumer Authentication Preferences
• Figure 5: Consumers Prefer Immediate Authentication For Unusual Activities
• Figure 6: Fi' s Current Solution Vendors
• Figure 7: How Fi' s are Structuring Security Based on Visibility by and Interactivity with the User
• Figure 8: Top Vendors Providing a Complete Solution
• Figure 9: Vendors Providing Best Solution at Each Stage of the Evolving Platform
• Figure 10: Effective Security Solutions Increase Consumer Online Banking