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Knowledge-Based Authentication (KBA)

This article covers commonly asked questions on the Knowledge-Based Authentication (KBA) verification.

To see the KBA verification process from the point of view of a customer, please visit our article on Customer Verification Process: Knowledge-Based Authentication (KBA)


Common Questions on the Knowledge-Based Authentication (KBA) verification

  • What is KBA?
    • KBA @EpicRiver utilizes dynamic, knowledge-based authentication questions formulated from public and proprietary data sources. You can ensure your customer's identity is verified prior to accessing any information.
  • Is KBA included with our contract?
    • No. KBA is the only add-on ID verification solution directly contracted through Epic River. Please contact your Epic River Account Manager or info@epicriver.com for more information and pricing.
  • How do I set up or modify my recipient's ID verification method to KBA?
  • How long does it take for our customer to complete their verification?
    • KBA is set up with a time limit to be completed for validation. By default, the time limit is 2 minutes.
  • When should I use KBA?
    • KBA is considered on of our enhanced ID verification methods that is very user-friendly. The common use case to utilize this verification method is if the institution needs to validate a new customer, if there was a questionable customer to complete eSigning of documents, or need an technologically advanced solution for identity verification.
  • Is KBA an option as an integration method with LaserPro, DepositPro, and DecisionPro?
    • Yes! Please be sure to double check your settings in your General Systems Settings (GSS) on your server is correctly implemented and KBA is contracted with Epic River.
  • What are the default KBA settings?
    • The customer will be required to answer 5 multiple choice questions
    • Each question will have at least five multiple choice answers 
    • At least 80% of the questions must be answered correctly
    • All questions must be answered within 2 minutes
    • If the customer fails the quiz, the customer may retake one time within 24 hours
    • All previous questions will be replaced during a retake. 
    • Yes. You will first need to contact our support team at support@epictiver.com to make setting modifications. Here are some settings you can modify:
      • Number of Questions
      • Number of Multiple Choice Answers
      • Passing Score Percentage
      • Time Limit for Questions to be Answered
      • Retake Limits (Number of Retries and Waiting Periods)Can I personalize settings to suit our financial institution's individual needs?