What is a KBA?

KBA usually stands for 'Knowledge-Based Authentication,' which is a method used to verify a person's identity by asking questions only the genuine user should be able to answer. It is commonly used in online security settings, such as banking or account recovery, where users are prompted to answer personal questions or information from their history. KBA helps protect sensitive information by adding an extra layer of authentication beyond just a password. There are two types: static KBA, which uses pre-set questions, and dynamic KBA, which generates questions from public or private data sources. This method is widely adopted in industries that require robust identity verification procedures.