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Multi-Factor Authentication

Transmit supports multi-factor authentication (MFA) for both customers and employees. Customer and employee MFA is required by various regulations. Regardless of any regulatory requirement, MFA, when done properly, can significantly improve user security by mitigating account takeover risks. Managing MFA and the user experience around MFA can be challenging and needs to be done with the correct set of tools. MFA typically requires that users be authenticated using at least two of the following three elements:

 

1) something you know, such as a password or knowledge-based questions 

2) something you have, such as a mobile device or a physical token 

3) something you are, meaning biometrics, such as face recognition or voice recognition 

Authentication Services 

Transmit provides a full set of authentication services to manage primary login, multi-factor, and step-up authentication across various applications and channels. The platform includes a large set of built-in authenticators such as OTPs, soft tokens, biometric authenticators, and knowledge-based authenticators. In addition, the platform can be used to manage any third-party authenticator or authentication service connected to the Identity Services Hub. Transmit’s authentication services manage the enrollment process for each authenticator and also tasks such as de-enrollment, re-enrollment, and expiry periods. The platform provides flexible ways of defining authentication levels and attaching them to different authenticators and journeys. The platform allows building rules for authentication failures across different authenticators and devices and taking various actions when thresholds are reached. Transmit is FIDO certified and can be used to manage any FIDO authenticator alongside non-FIDO authenticators.

Over-the-Air Journeys

Over-the-Air Journeys is the technology that sets Transmit apart from all other vendors. Using Over-the-Air Journeys, application owners can use graphical tools and an orchestration language to design simple and complex user journeys that involve authorization, authentication, KYC, fraud prevention, regulatory requirements, and more. Once done, these journeys can be pushed "over the air" and played in any application that is connected to Transmit, without making any code changes to the application and without the need to re-publish the application. Over-the-Air Journeys consist of two main technologies - a Journey Player and an Orchestration Engine. The Journey Player is incorporated into your applications as an SDK and is responsible for playing the entire journey inside the application. The Journey Player works with the Transmit Orchestration Engine which orchestrates the journey and defines the next steps on either the client or server side. 

Identity Services Hub

Identity is a highly fragmented space with many tools and capabilities from different vendors: biometric authenticators, traditional authenticators, KYC tools, risk and fraud engines, behavioral tools, directories, device security, and more. Integrating each of these services into your systems and applications requires significant ongoing work. This work involves processing input and output from each of these services, building the various user journeys around these services, and dealing with exceptions, failures, and edge cases. With Transmit, this can be avoided. The Transmit Identity Services Hub includes built-in, secure connectors to dozens of third-party identity services, dozens of built-in services, and a flexible, secure plug-in architecture that allows you to add anything and everything. It’s a complete, secure abstraction layer between your applications and the entire identity ecosystem. It’s the only platform capable of securing client-side identity services such as authenticators and KYC tools and also the only platform that doesn’t require writing third-party specific code in your applications.