Overview

The Problem

Phishing. Pharming. Keylogging. Botnets. The growing vocabulary of Internet fraud illustrates the growing sophistication of crimes perpetrated against our most trusted institutions and their consumers. Responsible institutions are looking for ways to mitigate the continually evolving threats to their online business. The stakes are high. Not only is there a direct monetary loss associated with Internet fraud, but the reputation costs that result from a well publicized breach in security can be even greater. Two-factor authentication is the recommended solution from a variety of banking and healthcare related industry groups. However, as institutions approach traditional hardware or software based two-factor solutions; they soon learn that the additional hardware, software, support and provisioning costs are two higher for mass consumer adoption.

Our Solution

In general, the success of any website is determined by the following factors:

Portability
Ease of use
Cost effectiveness
Scalability
Consumer Acceptance
Supportability

Securing your website has been an exercise in tradeoffs between security and the factors mentioned above. The sacrifices needed to obtain greater security have included increased complexity for users, higher marginal costs per customer, decreased portability of your application and/or reduced scalability. Business decisions in the end, often forced security to take a back seat to the marketability of the website.