MAIN NAVIGATION Check your FICO® Score Contact us Home Solutions Fraud Protection and Compliance Identity and Authentication Identity and Authentication Stop application fraud and account takeover fraud. OVERVIEW Identity theft increases application and account takeover fraud Data breaches have given criminals access to more personal information than ever before, and with this, they can commit application fraud or takeover the accounts of legitimate customers with ease. In today’s digital economy, you must understand who your customers are, when they open accounts and be able to authenticate them at every subsequent interaction in order to prevent identity fraud and ensure identity authentication. FICO Identity and Authentication Customer identity management that helps prevent fraud and improve customer experience Solutions Learn how FICO solutions can empower you to make smarter, personalized decisions, streamline operations, and improve the customer experience. Identity Proofing Trusted identity validation and verification that supports excellent customer experience. Learn more keyboard_arrow_right Application Fraud Tackle first- and third-party fraud at point of origination. Learn more keyboard_arrow_right Biometric and Behavioral Authentication Physical and behavioral biometrics provide low-friction and reliable customer identity authentication. Learn more keyboard_arrow_right Synthetic Identity Fraud Fraudsters use a combination of stolen and fabricated data to create synthetic identities to commit fraud. Learn more keyboard_arrow_right Strong Customer Authentication Driven by regulation such as PSD2 and industry standards including 3-D Secure 2, financial institutions are on the hook to deliver compliant identity authentication. Learn more keyboard_arrow_right FICO Advisory Services Partner with us for deep decision making insights, increased business analytic knowledge and a vision for your longer term strategic direction. Learn more keyboard_arrow_right Identity Management as a Competitive Advantage Ensuring customers’ identities are genuine and securing their accounts as part of identity management is imperative, but this cannot happen at the expense of excellent customer experience. FICO commissioned independent studies with both financial institutions and their customers — could their answers help inform your authentication and fraud strategies? 64 % OF BANKS FORCE CUSTOMERS OPENING ACCOUNTS DIGITALLY TO USE SEPARATE CHANNELS TO PROVE THEIR IDENTITY 25 % OF PEOPLE WOULD GIVE UP ON OPENING AN ACCOUNT OR GO TO A COMPETITOR IF ASKED TO ACT IN ANOTHER CHANNEL 51 % OF BANKS SAY THEY STRUGGLE TO MAKE AUTHENTICATION EXPERIENCES CONSISTENT ACROSS CHANNELS 71 % OF PEOPLE ARE HAPPY TO PROVIDE A BIOMETRIC TO THEIR BANK EVENT MAY 10, 2022 – MAY 13, 2022 FICO World 2022 It's time to mark your calendar for the most business-critical event of 2022! FICO World returns to Florida for our best event yet, exploring the future of analytics-powered decision management. Register now Related products Learn more about how FICO solutions can drive better decisions and better results for your customers and your organization. FICO® Application Fraud Manager Stop fraud at the point of origination. Explore FICO® Identity Resolution Engine Connect disparate data with advanced entity resolution and network analytics to detect fraud. Explore View more Related resources Gain fresh ideas and new strategies for making better business decisions with in-depth thought leadership, solution insights, and customer success stories. ANALYST/PARTNER COLLATERAL Identity in Digital Banking – is a platform approach needed? Download now WHITE PAPER FICO Part I: Biometrics Step Forward Download now WHITE PAPER Part II: Biometric Adoption - Evolution or Revolution Download now WHITE PAPER FICO Part III: Biometrics in Action Download now View more From the FICO Blog The New White Walkers: Zombie Synthetic Identity Fraud Synthetic identity frauds that strategically hid themselves in the bad debt book may be coming back from the dead as zombie synthetic identity fraud. Read more FICO Digital Banking Study: Customer Experience and Fraud Protection Read more FICO Digital Banking Study: Security and Authentication in a Digital World Read more FICO is a Top 10 RiskTech Company in the 2022 Chartis RiskTech100® Report Read more 10 Questions or Less – Why Consumers Abandon Account Opening Read more Digital-First Collections Means Thinking Like a Marketer Read more How can we help? Want to understand how joined up thinking about identity proofing, customer authentication and fraud prevention will help you to cost-effectively reduce fraud losses, improve customer experience and stay compliant? Contact us FOOTER MENU EN SOLUTIONS Decision Management and Optimization Customer Development Debt Collection and Recovery Fraud Protection and Compliance Scoring Solutions INDUSTRIES Banking Collection Agencies Energy & Utilities Government Health Care Insurance Manufacturing Retail & E-Commerce Telecommunications, Media and Entertainment Transportation COMPANY About Us Accessibility Careers Contact Us Corporate Responsibility Investors Legal Partners Privacy Policy Support Trust Center LEARN Blog Community Customer Advocacy Customer Stories Events and Webinars Glossary Newsroom Product Training Resource Center SOCIAL LinkedIn Twitter Facebook YouTube © FICO 2021. 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