How Does Dynamic Knowledge-Based Authentication (KBA) Work in SutiSign?
SutiSign’s Dynamic Knowledge-Based Authentication (KBA) feature adds an extra layer of verification to ensure that only authorized individuals can access and sign sensitive documents. Unlike traditional static passwords or ID uploads, dynamic KBA uses personalized, real-time questions derived from publicly available and user-specific data to authenticate signers securely and quickly.
This advanced verification method enhances the credibility and security of eSignatures, particularly for high-value contracts, financial documents, or legal agreements. By ensuring that each signer’s identity is verified through information only they can accurately answer, organizations can prevent impersonation, fraud, and unauthorized access – all while maintaining a seamless user experience.
Key features include:
Dynamic Question Generation: Creates unique, time-sensitive questions for each signer based on trusted data sources.
- Multi-Layer Verification: Adds an additional security checkpoint before document access and signing.
- Real-Time Authentication: Validates signer identity instantly without manual intervention.
- Regulatory Compliance: Meets stringent eSignature standards such as ESIGN and UETA for identity verification.
- Seamless User Flow: Integrated directly within the signing process, ensuring a smooth and non-disruptive experience.
- Audit-Ready Logging: Authentication outcomes are automatically stored within the audit trail for future reference.
How It Works:
- Access Request: When a signer attempts to open a document, the KBA system initiates a verification step.
- Question Generation: SutiSign’s AI engine generates personalized questions based on data linked to the signer’s identity (e.g., past addresses, loan history, or public records).
- Response Validation: The signer answers a short series of questions within a limited time window.
- Authentication Decision: If the responses are correct, the signer gains secure access to review and sign the document.
- Audit Trail Recording: Verification results are logged for compliance, traceability, and dispute resolution.
Benefits for businesses:
- Stronger Security Framework: Ensures document access is restricted to verified individuals only.
- Fraud Prevention: Reduces risk of identity theft or unauthorized signing in digital workflows.
- Compliance Confidence: Meets legal and regulatory standards for secure electronic signatures.
- Frictionless Experience: Balances security with simplicity to maintain high signer satisfaction.
- Enhanced Trust: Builds confidence among clients, partners, and regulatory bodies through verified authentication.
Want to add an extra layer of trust and protection to your eSignatures?
Request a demo to experience how SutiSign’s Dynamic KBA enhances identity security while keeping signing simple and seamless.
Add an Extra Layer of Identity Verification
SutiSign’s Dynamic KBA ensures only authorized individuals can access and sign documents securely and effortlessly.
©
SutiSoft, Inc. All Rights Reserved