What is Knowledge-Based Authentication?

Knowledge-based authentication (KBA) is a premium authentication method that secures a high-level verification of identity.

The authentication process challenges the recipient to answer a few questions generated from public and private data such as marketing data, credit reports, or transaction history.

The knowledge needed to answer the questions is not available in a person’s wallet (some companies call them “out-of-wallet questions”) making it difficult for anyone other than the actual identity owner to know the answer and obtain access to secured information.

Example questions:

• Select the correct house number of the address you shared with {some name}
• Which of the following cars have you owned
• In which of the following cities have you attended college
• From whom did you purchase the property {some address}
• Which age range matches the age of {some name}