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Nok Nok
15 Mar
4 Min read

When Securing Transactions, Global Experience Gets it Done

March 15, 2024 Nok Nok News Biometrics, Opinion 0 comments

In today’s digital age, banking apps on mobile devices have become ubiquitous, offering convenience and ease of access to financial services. With more than half of Generation Z, Millennials, and Generation X favoring mobile banking apps, it’s evident that traditional brick-and-mortar banking is rapidly being replaced by digital solutions. However, as the adoption of mobile banking apps continues to soar, ensuring robust security while maintaining a seamless user experience has become of paramount concern for banks worldwide.

To address these challenges, banks are turning to advanced technologies such as FIDO (Fast Identity Online) and WebAuthn (Web Authentication) to revolutionize payment authorization processes. It’s crucial to understand how these technologies are implemented, especially considering the differing approaches between the United States and the European Union.

In the United States, the emphasis is on leveraging biometrics within banking apps to streamline payment authorization. Users can authenticate using biometric features such as fingerprint or facial recognition, eliminating the need for cumbersome password entry. However, for online payments, the reliance on risk analytics and SMS one-time passwords (OTPs) has resulted in high rates of card-not-present fraud and false declines. The use of SMS OTPs often leads to user friction and increased abandonment rates, as customers are required to switch contexts or even use a second device. To combat these challenges, Secure Payment Confirmation (SPC) has been introduced, built on top of FIDO/WebAuthn to provide a phishing-resistant credential for authorizing online transactions with a single gesture, be it biometric or PIN. This approach significantly improves conversion rates, reduces fraud, and minimizes false declines, ultimately enhancing both security and user experience.

On the other hand, in the European Union, banking apps also utilize biometrics for authentication, mitigating the need for password entry and enhancing security. However, the approach to online payment authorization differs, with push-to-app being the preferred method. Users are required to switch to their banking app to approve payment transactions, introducing friction and potentially increasing abandonment rates. Despite the use of biometrics within the banking app context, the past impracticality of biometrics in the context of merchant apps – especially web apps – has limited its widespread adoption. Additionally significant is that there is a lack of integrity protection for web apps – with this, implementing “what-you-see-is-what-you-sign” directly in web apps is not possible today. To address these challenges, Secure Payment Confirmation (SPC) is employed on top of and leveraging FIDO/WebAuthn to provide a phishing-resistant credential that is triggered by the merchant’s app or by the issuer’s access control server (ACS). This approach improves conversion rates by simplifying the payment authorization process while maintaining robust security measures.

In both regions, the adoption of FIDO/WebAuthn-based solutions marks a significant step forward in enhancing the security and usability of payment authorization triggered by web apps or by an ACS. By providing users with seamless and secure authentication methods, banks can instill trust and confidence while fostering greater adoption of digital banking services.

As the banking industry continues to evolve in the digital era, it’s clear that innovative technologies will play a crucial role in shaping the future of financial services. By prioritizing security and user experience, banks can position themselves as leaders in the digital transformation of banking, driving greater customer satisfaction and loyalty in an increasingly competitive landscape.

When banks need to implement Secure Payment Confirmation (SPC) requirements, partnering with trusted FIDO vendors like Nok Nok who have experience in both US and EU payment security can ensure the successful implementation of this technology. Nok Nok’s ability to demonstrate a large user base employing various authentication protocols to produce cryptographic evidence further solidifies its position as a reliable partner in enhancing the usability for secure online payments.

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16 Aug
3 Min read

Biometrics Is A Better Security Solution

August 16, 2022 Nok Nok News Biometrics 0 comments

Digital security is becoming a growing concern, not just for businesses that want to protect sensitive corporate data but for private individuals that rely more on online interactions for major activities, such as financial and personal banking transactions. Integrating online transactions into everyday life has created more convenience for enterprises and people. Accessing data—whether corporate or personal finances—from any online device at any time or location makes everything much easier.

However, this comes at the cost of traditional legacy security measures failing to provide adequate protection. Traditional security measures like a single password are too vulnerable in the modern online age. Before, knowing a password was just one more requirement, besides accessing the right device in the right location, so the password itself was part of an analog multifactor authentication process with other requirements.

Today, however, a single password can grant someone on the other side of the world access to confidential data or personal funds using their own phone, laptop, or computer as long as they have correctly guessed or stolen a password from someone using social engineering techniques. The convenience of a password is now also its greatest security weakness.

Biometric Authentication Bring Better Security

Biometric authentication is something many people are already familiar with. Rather than requiring people to remember passwords or numeric codes, biometric authentication uses the unique identifiers of each person to grant access. The most common examples today are facial recognition, voice recognition, and fingerprint recognition, with many of these methods already used on phones and laptops.

Using biometric authentication or combining it with other multifactor authentication systems such as passkeys achieves two objectives simultaneously. Biometric authentication adds an extra layer of security that can’t be casually guessed at or counterfeited since it requires a considerable budget, time, and effort to mimic a person’s voice, face or fingerprint, thus providing too high a barrier of entry for the majority of criminals to make it worth it. The second objective is that this eliminates the need to use passwords at all, which can make for a faster, more convenient form of security access, in addition to being more secure.

All of this is now being optimized and standardized by the Fast Identity Online Alliance, or FIDO, which aims to make it easier to implement FIDO-based systems into any business setting to protect both enterprises and their client or customer data. If you’re ready to improve your digital security and want more details about FIDO-based passwordless authentication systems, read here to learn more.

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04 Mar
3 Min read

Key-based Biometric Authentication: Addressing Fraud Through Modern Security

March 4, 2022 Nok Nok News Biometrics, E-Commerce 0 comments

Technology offers convenience. That cannot be denied. Recent years have proven how beneficial the Internet and smart devices can be in making various activities easier. A good example of this is online shopping. In the United States alone, more than 70% of residents have switched to online shopping in 2021 driven in part by changes in consumer purchasing behavior due to the Covid pandemic. 

Cyber Attacks: Fighting Risks

With the rise in the number of E-Commerce users come risks in security. Add to this the increase in electronic payment use for various transactions, including P2P payments.

Today’s new trend in Trust and Safety means institutions that have been strengthening cyber security for their own enterprise benefit, are now starting to focus on protecting end-users and their data. 

One way of doing this is by adopting modern authentication and security measures like FIDO-based biometric authentication. Generally, this type of user-centric authentication involves cryptographic keys and biometric methods including fingerprint use, voice authentication, and facial recognition, among others. In FIDO-based biometric authentication, user biometrics are under the control of the user and are never passed or stored by the enterprise.

Having modern authentication and security measures can prevent 80% of successful cyber breaches that according to Verizon’s 2021 annual security report, start with a man-in-the-middle or phishing attack, resulting in account take-overs, which are serious issues worldwide. 

In the U.S., online fraud attempts involving card payments increased by 23%. The Feedzai reported that during the second quarter of 2021, 93% of banking fraud occurs online and 83% of card fraud was done online. 

Purchase scams accounted for the top scam during the quarter based on volume. These happen when consumers are charged for products or services that they will not receive. 

Among other scams that are common during the period is SMS phishing or what some call smishing.

Taking the Right Step With Biometrics

Modernizing the security of identity verification for online transactions and interactions is also a must. The best way to do that is by implementing FIDO biometric and key-based authentication. With this modern authentication and security, it is harder for bad actors to get access to accounts and data.

This is especially crucial for financial institutions. Protecting cyberspace will also protect user data and assets.

That said, shifting into and implementing FIDO key-based identity and authentication can be a bit challenging for beginners. So, it may help to work with a reliable industry expert like Nok Nok that has already built a key-based identity and biometrics authentication platform trusted by some of the biggest banks, telcos and financial services brand in the world.

Nok Nok is a member of the FIDO Alliance and is an industry leader in the application of this modern security technology . Nok Nok also founded the association at the forefront of the fight against cyber threats and the over-reliance of people on passwords and other legacy knowledge-based authentication methods. In fact, the company offers multiple fast identity and passwordless authentication solutions like the incorporation of biometrics authentication including passwordless biometric authentication into consumer IoT devices.

You can check Nok Nok Products to find out more about multi-factor authentication and determine what is the best solution for your clients. 

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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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intuit

“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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