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Knowledge Based Authentication

Reduce onboarding time and risk by asking customers to verify their identities via secure personal information questions
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Product Overview

After verifying your customers' identity, further checks are crucial to prevent fraudulent activity and further impersonation opportunities.  

Our knowledge-based questions link to personally identifiable information (PII) sources such as mortgages, loans, credit cards, phone numbers, addresses, and shopping habits. A highly configurable service that can ask up to six questions; for simpler cases, it lowers the bar to boost recall, but for critical situations, it raises the standards.

How It's Used

Manage your level of risk

You're in control of agreeing and programming your authentication levels and recall rates to suit your needs of the business and to manage your risk. 

Verify your customer

Ask your customer two to six personally identifiable information questions and verify their identify against the data we hold about them.

Fulfil your due diligence requirements

Manage and complete your due diligence requirements by verifying your customers through recall rates. 

Key Stats

35
knowledge-based questions as part of our data bank¹
57%
customers happy with security questions for high value transactions²
12%
customers happy to answer questions for low value transactions²
¹Knowledge Based Authentication infographic, Equifax, 2023
²Equifax Perspective – Issue 37

How can Knowledge Based Authentication your Business?

A prospective customer wants to set up an account with you. They complete your Identity Verification process and after they've identified themselves as a 'real' person, you need to authenticate that they are who they claim to be. 

Knowledge Based Authentication, is a simple and traditional way to confidently establish that your potential customer isn't impersonating another for the purposes of fraud. 

Benefits of Knowledge Based Authentication

Identify more genuine customers
Ask targeted questions to identify real customers with minimal input.
Configure your pass rates 
Select from 35 questions and manage question intensity and configure your pass rates.
Settle discrepancies effectively
Interactive address matching checks addresses against partial matches or anomalies.
Competitive usage-based prices 
Choose the best product or combination for your needs and pay only for what you use.

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The personal data that you provide via this form will be processed in order to deal with your enquiry and for marketing purposes unless you have opted-out of receiving marketing communications. As a result of this processing, your personal data may be transferred to countries outside of the UK and European Economic Area (EEA). Please see the Equifax Credit Reference and Related Services Privacy Notice for more information about how we will process your personal data.

To access your Personal Credit Report, visit https://www.equifax.co.uk

To query your Personal Credit Report or get help, visit https://help.equifax.co.uk/EquifaxOnlineHelp/s/

To access your business credit report, download our Business Report form and return your completed form to us via post or email using the information provided on the form.

Send an email to our customer service team via hello@equifax.com and we'll get in touch with you directly.

Contact Us

Talk to us about how our Knowledge Based Authentication services can help protect your business from fraud.
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Learn more about Knowledge Based Authentication

Understand how our KBA solution can be tailored to your business and your specific identity use case.
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