The personal and financial questions encountered in the verification flow are known as Knowledge-Based Authentication (KBA) and provide a higher level of authentication that uses questions that only the owner of that particular identity should be able to answer. Questions are compiled from public and private data such as marketing data, credit reports, or transaction history.

To initiate the KBA process, basic identification information (i.e. Name, Address, Date of Birth, etc.) must be provided by the consumer and reconciled with the various identification sources that we employ.  Typically, the knowledge needed to answer the questions is not available in a person's wallet, which makes it difficult for anyone other than the actual identity to know the answer and obtain access to the benefits being offered.