Step-Up Authentication.
Use ABIS risk scores to trigger additional authentication when needed. Balance security with user friction through intelligent step-up flows.
Step-up authentication adds friction only when behavioral signals warrant it. Low-risk users proceed unimpeded; high-risk users face additional verification. This maximizes security while minimizing legitimate user friction.
Design step-up challenges that match the risk context. Device fingerprint anomaly? Verify via trusted device. Geographic impossibility? Confirm via SMS to registered phone. Velocity spike? Require additional identity verification.
Track step-up completion rates. If legitimate users frequently abandon at step-up, thresholds may be too aggressive or challenge UX too burdensome. Balance is key.
PASS
No Step-Up
Risk score below threshold. User proceeds with no additional friction.
CHALLENGE
Step-Up Required
Medium risk detected. User completes additional verification before proceeding.
BLOCK
Access Denied
High risk. Step-up not offered. User directed to support for manual verification.