Knowledge-Based Authentication (KBA)

Knowledge-Based Authentication (KBA) is a security process used to verify the identity of individuals attempting to access online services by requiring them to answer one or more security questions. These questions are typically based on information that is presumed to be known only to the individual. KBA is commonly implemented as part of a multifactor authentication (MFA) strategy, enhancing security by adding an additional layer of proof that complements something the user has (like a physical token) or something the user is (like a fingerprint).

KBA is particularly useful in contexts where additional security is needed but where more stringent forms of authentication are not feasible. It is commonly used for routine security checks, password recovery, and initial user verification processes.

Despite its vulnerabilities, when used in conjunction with other authentication methods as part of a multifactor authentication framework, KBA can significantly enhance overall system security, making unauthorized access more challenging and helping to safeguard user data.