The latest PSD2 Regulatory Technical Standards (RTS) enforces Strong Customer Authentication, which requires 2FA and other high-security measures.
The regulation states a mandatory utilization of 2 out of 3 independent authentication factors such as: knowledge, possession and inherence. The European Banking Authority approved keystroke dynamics (also known as typing biometrics) as an inherence-based authentication factor.
Using keystroke times and mobile sensory data, TypingDNA captures typing patterns and matches them with previous samples to authenticate users.
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Our keystroke dynamics SCA solution is an in-band, inherent authentication method that does not require additional actions from the user.
Seamless authentication with keystroke dynamics offers a better, intuitive banking experience avoiding customer drop off.
Studies show that elderly users have difficulties accepting authentication with biometrics factors such a face ID or iris scans while millennials prefer typing over voice calls.
With TypingDNA organizations can: