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Knowledge-Based Authentication (KBA)
Knowledge-Based Authentication (KBA) is a security measure used to verify a person’s identity by asking them to answer specific questions only they should know. These questions can relate to personal information, transaction history, or similar private details.
KBA is commonly used in scenarios where additional verification is needed to prevent unauthorized access or fraud. While effective in enhancing security, KBA relies on the assumption that the knowledge in question is known only to the legitimate user. However, it can be vulnerable if the information is obtained by fraudsters through data breaches or social engineering.
To strengthen identity verification processes, businesses often combine KBA with additional methods, including multi-factor authentication (MFA) and biometric verification, to ensure a higher level of security and reduce the risk of fraud.
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