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nok nok
23 Mar
5 Min read

FIDO | From Whence We Came

March 23, 2018 Nok Nok News Uncategorized 0 comments

The FIDO (Fast IDentity Online) Alliance was founded by a small group of companies including Nok Nok Labs five short years ago. A lot has happened in five years. We have progressed, pushed forward and our solution has built up an Alliance of over 250 of the worlds largest organizations all dedicated to solving one of the largest problems in today’s digital world: Authentication.

Five years ago, Nok Nok set out on a mission to solve a problem. Passwords had become an ungainly mess. One analysis of 6 million online accounts from that time revealed that there were only 10,000 unique passwords covering 99.8% of accounts. 73% of banking accounts were using passwords that were shared amongst other online services. From a security point of view, that is a massive problem. From a user’s point of view, the password problem could be proxied by a different statistic: cart abandonment. In 2013, 71.6% of online carts were abandoned. 31% of those were abandoned due to friction. .

 

SOURCE: Statista

It’s clear that the problem we had 5 years ago was significant and the underlying themes still resonate. Passwords, quite simply, are not designed for the modern computing ecosystems   We needed to design something better.

Nok Nok Labs knew that solving a systemic issue with computing would need a consortium of institutions to agree to the design and architecture of a fundamentally revolutionizing concept. And thus the FIDO Alliance was born.

The design parameters were straightforward: any new solution needed to provide for (1) User Experience, (2) Interoperability, (3) Privacy and (4) Security. The final solution had to be user friendly as widespread adoption was critical for viability.

Use Cases and Usability

The friction a user experiences due to username and passwords means that any authentication based on that scheme would have to be limited to granting access to an account. By creating something was both easier to use and provided additional identity assurance signals , end-users could be prompted to authenticate at any time without significantly increasing their friction and risking them abandoning their engagement.

The biometric revolution took off, it became clear that simple biometrics, like fingerprints, could provide the strong signal needed to not only provide account access but also confirm transactions, or log-in through a desktop or laptop or even through a kiosk or ATM. Usability drove usage and during the course of the last few years, FIDO-based authentication has reached out to over 3 billion users. It is deployed across the United States, China, Japan, Europe and Africa.

Interoperability

3 billion users from markets as diverse as mobile network operators, finance, healthcare and physical access control is a testament to a founding principle of the standard: Interoperability.  

The modern computing ecosystem is not a homogenous one. The FIDO specifications were designed so that their recommendations could be realized on any device for any application using any method of authentication. Therefore, it is now possible to perform strong authentication on a device from Apple, from Samsung, from Fujitsu – using a variety of biometrics from fingerprints to facial recognition. And each permutation or combination of FIDO-certified products (of which there are over 400) will provide the same level of privacy and security.

Privacy

FIDO-based solutions are being used by some of the largest banks and telecommunications companies in the world. These are institutions that are responsible for protecting your most details secrets. It was vital, in the design of the FIDO solution, that privacy was forefront.

First and foremost, biometric data that is used in an authentication event is never sent to a centralized server. The data stays on the user’s device, in the user’s control. Second, the FIDO protocol is based on asymmetric public key cryptography in such a way that users cannot be linked or tracked based on the information the company stores.

Security

One of the biggest flaws in the username/password system of authentication is the storage of shared secrets in a centralized database.  This allows one single breach to gain access to the entire dragons hoard of data that can be reused for attack after attack. The solution that Nok Nok Labs created and was encoded into the FIDO protocol was the decentralization of valuable identifiers. Private keys and the users biometric data would rest on the personal devices of the billions of FIDO users – making it infeasible for a bad actor to compromise the whole system.

Results

In the five years since the Alliance began, we have seen remarkable progress. Business have seen the cost of authentication go down significantly without compromising security. One financial institution reporting a savings of almost $3 million per year. Other reports include a decrease of requests for password resets by 60%. Multiple organizations have hailed how quickly this new architecture has been able to incorporate new technology like the Apple FaceID. And we are just getting started. The mission that Nok Nok started 5 years ago to transform authentication for the modern computing ecosystem is being realized and there are great things ahead.

* * *

If you would like to know more about Nok Nok’s work with Ericsson – please download our case study.

Ericsson Case Study

Read more

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(650) 433-1300

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“Transactions using mobile devices are rapidly spreading and it is essential to support both usability and security. By combining Hitachi’s abundant system development capabilities and know-how in the financial system and security related fields, and Nok Nok’s globally deployed and proven FIDO certified products, we achieved this compatibility, which led to this adoption.”

– Mr. Nobuo Nagaarashi, General Manager, Financial Information Systems 1st Division, Hitachi, Ltd.

 

The M in MUFG stands for Mitsubishi, which is a combination of the words mitsu and hishi. Mitsu means three. Hishi means water chestnut, and the word denotes a rhombus or diamond shape.  In partnership with Hitachi, MUFG has enabled passwordless authentication solutions across many of the bank’s apps and services.

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“As an early adopter of FIDO, we’ve seen significant business benefits and are completely on board with continuing to leverage the latest FIDO innovations with our partner, Nok Nok.”

– Rakan Khalid, Group Product Manager, Identity.

 

Intuit has delivered passwordless authentication across mobile applications and devices using Nok Nok’s S3 Suite. The results have reduced customer friction in their Intuit application experience.

Read The Nok Nok Intuit Case Study
Watch the FIDO Alliance Webinar: The Right Mix
Watch Marcio Mello discuss Intuit’s Nok Nok implementation at Identiverse 2019:
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“DOCOMO is a worldwide innovator in providing its millions of customers with simple and strong authentication backed by a standards-based approach.”

– Phillip Dunkelberger, President & CEO of Nok Nok Labs.

 

As one of Nok Nok’s earliest customers, NTT DOCOMO became the first carrier to offer a billing system that is enabled by FIDO, the first to offer a federated Identity system integrated FIDO, and was the first to offer a mobile device that authenticates via the iris biometric modality.

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“Traditionally, one of the biggest challenges of authentication systems has been to balance security with user experience. Due to the FIDO standard, we are confident that both elements work together seamlessly to provide customers with the highest security standards, along with a transparent and agile user experience.”

– Juan Francisco Losa, Global Technology & Information Security Officer.

Nok Nok partnered with banking leader, BBVA to improve the security and user experience of the bank’s mobile banking services through state-of-the-art biometric capabilities.

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“We can no longer rely on passwords for our financial or other sensitive transactions as they are weak, forgotten and easily hacked. We are very pleased with SoftBank’s decision to choose our standards-based authentication platform for their millions of customers.”

– Phillip Dunkelberger, President & CEO of Nok Nok Labs.

 

Millions of SoftBank’s mobile subscribers now have the ability to use biometrics for authentication through the mobile application “My SoftBank Plus”. With this implementation, SoftBank’s mobile users access data with the My SoftBank service using biometrics for a frictionless, simple and fast authentication experience.

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“Aflac is the first Japanese insurance provider to deploy a FIDO-certified solution, and we would like to continue collaborating with Nok Nok Labs to introduce it to banks, insurance industry and other industries.”

– Michihiko Ejiri, VP, Head of Portal Service Division, Service Technology Unit, Fujitsu Limited.

With the Nok Nok S3 Suite, Fujitsu has provided Aflac customers with strong authentication to their mobile claims payment application using any biometrics on their iOS and Android devices. The solution also provides Aflac and their customers with a scalable method to authenticate users that is interoperable with their existing security environments and reduces or eliminates the reliance on usernames and passwords.

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“For our customers, we only use the most secure products on the market that meet their requirements. Nok Nok perfectly aligns within our product portfolio and we are proud of the very trusted partnership.”

– Lukas Praml, CEO of YOUNIQX.

 

YOUNIQX Identity AG, the award-winning subsidiary of the Austrian State Printing House (OeSD) and Nok Nok partnered to deliver a electronic identity system (eID) for the citizens of the country of Liechtenstein.  This deployment represents the first time that Nok Nok’s FIDO platform has been used to deliver an eID.

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As of 2009 Liechtenstein’s per capita income was $139,100, the highest of any country in the world.

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“Nok Nok’s state-of-the-art, standards-based platform will deliver a tremendous user experience,”

– Steve Bell, Chief Technology Officer at Gallagher

When a horse called Joe took too much of a liking to using a car as a scratching post, owner Bill Gallagher Sr. devised a cunning electrical circuit that delivered a shock whenever the horse rocked the vehicle, and in doing so created a company.  Today, with passwordless authentication from Nok Nok, Gallagher is leading the IoT industry with innovative solutions that work in your office and in the outback.

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“Our Forgot Password flows were running at about 65%. After we rolled out FIDO by Nok Nok, our forgot passwords dropped to 7%.”

Michael Engan, T-Mobile

 

Using the Nok Nok S3 Suite, T-Mobile has become a leader in carrier adoption of passwordless authentication. Their solutions have reduced forgotten passwords and dramatically improved customer satisfaction.

Watch Michael Engan from T-Mobile talk about their implementation of Nok Nok’s S3 Authentication Suite at Identiverse 2019.

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