RiskBased Authentication (RBA)

\<font color="#b6c7cb">\</font> topic type concept purpose explain how risk based authentication strategies adapt to regional and transaction level risk audience api integrators implementing adaptive authentication strategies applies to global payment environments and region specific authentication strategies does not apply to static or non risk driven authentication models risk based authentication (rba) enables dynamic authentication strategies based on transaction and regional risk rba allows clients to tailor authentication strategies by country or region reduce friction for low risk transactions apply stronger controls for higher risk transactions mitigate fraud liability risk based on regional profiles minimize authentication related costs rba strategies are informed by transaction level risk signals regional fraud patterns historical issuer performance data