A system for utilizing behavioral features to authenticate a user entering login credentials, the system comprising: an electronic processor, the electronic processor configured to: receive a request to access a user account, the request including biometric data and behavioral features; utilize the behavioral features to authenticate the user when the biometric data is insufficient to authenticate the user; compare the behavioral features included in the request to behavioral features included in a user behavior profile associated with the user account, the behavioral features included in the user behavior profile include behavioral features associated with one or more previous requests to access the user account; based on the comparison, generate one or more scores including at least one selected from the group comprising a recency score, a frequency score, a novelty score, and a temporality score; for each of the one or more scores, compare the score to a predetermined threshold; and based on the comparison of the score to the predetermined threshold, adjust a match value; and compare the match value to one or more predetermined thresholds to determine whether the behavioral features included in the request to access the user account authenticates the user, does not authenticate the user, or is inconclusive, wherein the electronic processor is further configured to: determine a reason that there is insufficient biometric data to authenticate the user; and depending on the reason for the insufficient amount of biometric data, determine which behavioral features to analyze to determine the one or more scores and determine one or more predetermined thresholds to compare the one or more scores, match value, or both to. receive a request to access a user account, the request including biometric data and behavioral features; utilize the behavioral features to authenticate the user when the biometric data is insufficient to authenticate the user; compare the behavioral features included in the request to behavioral features included in a user behavior profile associated with the user account, the behavioral features included in the user behavior profile include behavioral features associated with one or more previous requests to access the user account; based on the comparison, generate one or more scores including at least one selected from the group comprising a recency score, a frequency score, a novelty score, and a temporality score; for each of the one or more scores, compare the score to a predetermined threshold; and based on the comparison of the score to the predetermined threshold, adjust a match value; and compare the score to a predetermined threshold; and based on the comparison of the score to the predetermined threshold, adjust a match value; and compare the match value to one or more predetermined thresholds to determine whether the behavioral features included in the request to access the user account authenticates the user, does not authenticate the user, or is inconclusive, determine a reason that there is insufficient biometric data to authenticate the user; and depending on the reason for the insufficient amount of biometric data, determine which behavioral features to analyze to determine the one or more scores and determine one or more predetermined thresholds to compare the one or more scores, match value, or both to. <EOS>