Out-of-Band Authentication
Overview
Out-of-Band Authentication (OOBA) verifies a user’s identity by sending authentication requests over a separate channel than the one being accessed. For example, logging into online banking may trigger an approval request via SMS or a mobile app.OOBA ensures that even if one channel is compromised, the attacker cannot complete the authentication. Regulators encourage OOBA as part of strong customer authentication in digital banking and payment services. Banks, fintechs, and enterprises use it to strengthen fraud prevention and reduce reliance on passwords. While secure, OOBA must be carefully implemented, as SIM swap attacks or compromised devices can still pose risks. Paired with biometrics or app-based authenticators, OOBA significantly improves compliance and security resilience.
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