Our latest insights

Re-enrollment, Customer Onboarding and Magic Links

Share this post

Re-enrollment, Customer Onboarding and Magic Links

Enrollment and re-enrollment are two of the most security-sensitive aspects of a banking app. Re-enrollment in particular is the most sensitive of the two procedures, even more sensitive than verifying transactions. So what is the best way to go about re-enrolling when logging into a banking app on a new device? Let’s take a look at the challenges and possibilities of SCA when finding yourself in this situation.

The reason why enrollment and re-enrollment are two of the most security-sensitive aspects of a banking app is simple: when you do an app-based strong customer authentication (SCA), the user has already been authenticated on the device. This means that it is possible to check the ‘possession’ factor using a device fingerprint from before.

If a customer has lost their device, and needs to be re-enrolled in a service, the possession factor cannot be verified, making email addresses, passwords and secret codes no longer strong enough. Unfortunately, if this happens, it becomes fairly easy for a user to be impersonated by an attacker who has gotten a hold of their personal credentials.

That is why if a customer does have an existing device registered to their account, we recommend using SCA through that device to enroll any potential new devices. And one of the ways we’ve helped our customers strengthen their enrolment process is to implement a mechanism known as ‘magic link’.

To read more about magic links, check out the full article here.

More To Explore

Login or Register

Don't have an account?

Are you part of the Payments Association community?

Not yet set up your login for the Payments Association Community Platform? Set it up now

Set up a free account for instant access to our content

You don’t need to be an Payments Association member to view the majority of our content. Simply enter your details below once to set up your login details and get access to our library of whitepapers, podcasts, consultation papers, webinars and more.

First Name*
Last Name*
Company Name*
Job Title*
Username*
Business Email Address*
Password*
Confirm Password*
Agreement*
The Payments Association exist to help drive the industry forward. As such the Payments Association may contact you about any future content or events that we think you may have a legitimate interest in. We will store your information securely and will never share your details with third parties other than the relevant resource(s) sponsor(s)/curator(s). You may opt out at any time. By clicking register you are agreeing to the terms of our Privacy Policy.

← back