All posts by Monica Pearson

What is blockchain? Blockchain is beginning to get a lot of attention, so I thought it might be time to figure out what it...

Published: January 31, 2016 by Monica Pearson

With the most recent guidance newly issued by the Federal Financial Institutions Examination Council (FFIEC) there is renewed conversation about knowledge based authentication. I...

Published: October 4, 2011 by Monica Pearson

It’s that time of year again – when people all over the U.S. take time away from life’s daily chores and embark upon that...

Published: May 31, 2011 by Monica Pearson

Last week I attended the Merchant Risk Council’s 2011 MRC Annual e-Commerce Payments & Risk Conference.  I presented a session titled “Efficiency and Empowerment...

Published: April 8, 2011 by Monica Pearson

Let’s face it – not all knowledge based authentication (KBA) is created equal. I, too, have read horror stories of consumers forced to answer questions...

Published: February 7, 2011 by Monica Pearson

Experian Decision Analytics has recorded increased demand from the marketplace for service integrations with interactive voice response (IVR), a phone technology that allows for...

Published: January 24, 2011 by Monica Pearson

Anyone keeping tabs on the legal scene would think data breaches are something new, given all of the legislation hitting the floor of Congress,...

Published: September 16, 2010 by Monica Pearson

Working with clients in the financial sector means keeping an eye toward compliance and regulations like the Gramm-Leach-Bliley Act (GLB), the Fair Credit Reporting...

Published: September 10, 2010 by Monica Pearson

There are a number of people within the industry heralding the death of knowledge based authentication. To those people I would say, “In my humble...

Published: August 9, 2010 by Monica Pearson

A few days ago I saw an article about hackers working from Russia, while committing check fraud in the United States. In what those...

Published: August 9, 2010 by Monica Pearson

In “An ounce of prevention is worth a pound of cure” Kristan Frend touched on the vulnerabilities faced by members of our Armed Services....

Published: July 14, 2010 by Monica Pearson

In case you’ve never heard of it, a Babel fish is a small translator; that allows a carrier to understand anything said in any...

Published: June 10, 2010 by Monica Pearson

I received a call on my cell phone the other day. It was my bank calling because a transaction outside of my normal behavior pattern...

Published: April 20, 2010 by Monica Pearson

There seems to be two viewpoints in the market today about Knowledge Based Authentication (KBA): one positive, one negative.  Depending on the corner you...

Published: March 5, 2010 by Monica Pearson

When a client is selecting questions to use, Knowledge Based Authentication is always about the underlying data – or at least it should be. ...

Published: March 2, 2010 by Monica Pearson