Risk-based Authentication (RBA)

Enhance security and user experience with adaptive authentication strategies

Automatically strengthen security while streamlining user experience

Traditional authentication methods are inadequate against the rising cyber threat landscape. Automated and increasingly sophisticated attacks mimic human behavior to outsmart standard bot-detection tools. Risk-based authentication (RBA) systems are finely tuned to detect fraudulent behavior, dynamically evaluating and responding to the risk level of each login attempt. Strengthen your defenses by integrating a series of authentication techniques and behavioral biometrics and introduce the appropriate level of assurance in every authentication journey.


Enhance Security

Stop evolving threats and adapt security measures based on the perceived level of risk

Improve User Experience

Improve User Experience

Dynamically adjust authentication requirements without unnecessary interruptions


Comply with regulations

RBA has become an essential solution to safeguard customers, especially in heavily regulated industries like banking

Banking in the cloud: Why Risk Based Authentication is Vital for Financial Institutions

As more consumers turn to digital banking, they expect to be able to onboard and access financial institutions (FIs) with ease using RBA.

Risk Management

Balance security and convenience

Enhance the user experience and security, and optimize fraud detection with the IdCloud risk management solution.

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What is Risk-based Authentication?

Risk-based authentication (RBA) is an intelligent identification approach that evaluates various factors, such as user behavior, device characteristics, and environmental context, to determine the risk level of a login attempt. It automatically undertakes a risk assessment of a customer and determines threat risk based on those characteristics – including a user’s IP address, physical location, browser history, etc. This proactive authentication method allows organizations to adapt their security measures based on the perceived risk.

How does Risk-based authentication work?

By integrating our risk-based authentication solution into your authentication journey, the risk level of each customer transaction is analyzed. Recommendations for the most suitable authentication method are then automatically provided, reducing account takeover (ATO) fraud. With risk-based authentication, continuously adaptive policies based on customer segmentation, preferences, and use cases can be defined. These RBA authentication capabilities operate quietly in the background to ensure the best end-user experience.

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Benefits of RBA for enterprises and end-users

Real-Time Detection

Real-Time Detection

Find anomalous activity before it results in fraud.

With our real-time solution, threats get blocked as they try to access your environment.

Customised Security

Customized Security

Your traffic, your rules.

We help you secure your environment on your own terms. Automate the actions you want based on your user's risk levels and risk thresholds.

Customised Security

Multi-Channel Security

Have all devices under control.

We provide the same level of security on every device. Whether your customers are using mobile, tablet or desktop we've got them covered.

Real-Time Detection

Transparent to the Customer

Protect your customers passively.

By looking at behavioral and device-based information, protect your users while they seamlessly enjoy your environment. No friction added.

Customised Security

Recognise your good users

With our +99% accuracy, you avoid false declines and unnecessary friction.

Reduce friction and treat your good customers with the trust they deserve. Leave friction for high-risk traffic only.

Customised Security

Less Manual Reviews

Relieve your fraud team.

High level of accuracy and powerful analyses tool allows your fraud team to focus on the most critical cases and uncover new fraud patterns.

Who is Risk-based authentication used for?

    Customer Identities

    Safeguard customer accounts and transactions from fraudulent activities.

    Find a Customer Identity Solution

    Third-Party Identities

    Manage risks associated with external partners, vendors, and suppliers by implementing adaptive authentication measures.

    Find a B2B Identity Solution

    Workforce Identities

    Ensure secure access to sensitive company resources and data, mitigating insider threats and unauthorized access.

    Find a Workforce Identity Solution
    Make IAM Easier

    See how we can help you secure identities

    Request a Demo
    KuppingerCole Leadership Compass Overall Leader

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    Thales Named an Overall Leader

    Find the product or service that best meets your needs, and learn why KuppingerCole named Thales a Market Leader, Overall Leader, and Innovation Leader in Access Management

    Danny de Vreeze

    To effectively combat fraud and cyber-attacks, our defenses must be as dynamic and adaptable as the threats we face.
    Danny de Vreeze Vice President, Identity and Access Management Thales

    Recommended resources

    Frequently asked questions

      RBA solutions are developed with compliance in mind, adhering to industry regulations such as PSD2, GDPR, PCI DSS, HIPAA, and others. By incorporating best practices and staying updated with regulatory changes, RBA helps organizations maintain compliance while enhancing security.

      Yes, RBA solutions are highly customizable to align with your organization's risk tolerance, compliance requirements, and unique workflows. You can tailor risk assessment criteria, define thresholds, and integrate RBA seamlessly into your existing identity and access management (IAM) infrastructure.

      Yes. Our identity solutions are based on a modular structure where individual apps (capabilities) can be purchased separately.