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Knowledge-Based Authentication

An authentication method that verifies users based on personal knowledge, such as security questions.

Understanding:


KBA is an authentication method that verifies a user’s identity based on knowledge-based questions (e.g., "What was your first pet's name?").

Common Applications and Use Cases:


  • Account Recovery – Used when users forget their passwords.

  • Online Banking & E-Commerce – Adds an extra layer of security.

  • Fraud Prevention – Used in financial transactions.

Best Practices and Security Considerations:


  • Avoid Easily Guessable Questions – Prevent social engineering attacks.

  • Use Multi-Factor Authentication (MFA) – Reduces reliance on KBA.

  • Rotate Security Questions Periodically – Enhances security.

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