Wibmo's Trident RBA - Intelligent Authentication for Digital Payment Security (1)

1. Wibmo's Trident RBA - Intelligent Authentication for Digital Payment Security Summary: Wibmo Inc. has revolutionized the payments' authentication system and is now rapidly becoming Asia's leading provider of digital payments authentication and security.

2. Trademark product of Wibmo Inc., analyses consumer behaviour and past payment characteristics to deliver secure and seamless payment experience. This risk based authentication system is in line with market needs for frictionless payments. Maintaining a secure payments platform and delivering a seamless payment authentication system to customers at the same time is not an easy task. Wibmo Inc. has revolutionized the payments' authentication system and is now rapidly becoming Asia's leading provider of digital payments authentication and security. Trident™ RBA uses state-of-the-art analytical technology to monitor user behaviour and modify the system to provide the best user experience. This risk authentication system has been built using Wibmo Inc.'s newly launched fraud management system Trident™. Trident™ combines dynamic rules-based approaches with machine learning. This robust methodology helps Trident™ RBA score every payment transaction and assess its inherent risk. All this is done without causing any inconvenience to the customer. Risk-Based Authentication at its Best Whenever a transaction is deemed risky by the system, a challenge-response procedure is initiated. This challenge-response system ensures that the risk is eliminated from the system or the user is aware of the same. It takes control of the process and starts to step-up the authentication using various technology, process, or other verifiable credentials. There are many options to step-up. The system can use online OTP, offline OTP, biometric, life questions, call back, or mobile discovery to allow the payment partners to address the changes in consumer preferences while minimizing the risk. This risk-based authentication system is truly a marvel of machine learning, making payments more secure than ever. It also gives more trust to the payments partners (banks and merchants) as they will know about the changes in user behaviour and assess the risk accordingly. Innovation and Leadership

3. This new product has established Wibmo as one of the leaders in this field. Through its innovative approach and responsible design, Wibmo has paved its way to becoming the biggest payments security provider in Asia. Trident™ RBA goes a step ahead as it also considers the point-in-time fraud trends and patterns, historical data and consumer behaviour. All this is then combined with a range of step-up authentication options. It solves the inherent problem in the traditional OTP method and makes the system more efficient by reducing end-to-end transaction time. Hence, the new Trident™ Risk-Based Authentication system is a marvel and will bring a paradigm shift in payments security. Trident™ RBA is genuinely an intelligent solution for digital payment security. About Wibmo Inc. Established in 1999, Wibmo is a leading digital payments solutions provider based in Cupertino, California. It offers a full suite of financial products and services, including Trident FRM, Tridentity Check, ACCOSA IVSTM, and risk- based authentication. Wibmo has a concrete strategic alliance with 130+ banks across 25 geographical locations worldwide. With the support of its talented team, Wibmo has globally provided highly digitised and technically advanced payment platforms for customers. Today, Wibmo has carried out over 2.2 billion global transactions annually, making it a veteran in the sector of financial technology and online payment. Learn more about the company at www.wibmo.co. For more information, visit: https://www.wibmo.co/risk-based-authentication/