Payments Blog

A Financial Institution's Guide to Consumer Authentication Tips for Success Part 2

In case you missed last week’s blog, we are sharing tips for success for a bank that is implementing a Consumer Authentication solution. Cardinal’s Consumer Authentication provides a consumer centric shopping experience. Managing consumer friction during checkout = increased sales, and no one likes to turn away good consumer.  Here are some more tips, built on the first 7 from last week’s post:

7. Review all consumer-facing messages to make sure they are communicating what you want your cardholders to know. Look at the messages your cardholders see when they are authenticated, what the screens should convey and what the perceived benefits are to that cardholder. Proper consumer messaging is essential for happy cardholders.

8. Add one change at a time. If you have an upgrade scheduled for your authorization fraud risk mitigation tool, don’t combine it with an upgrade to risk-based Consumer Authentication. If you do, it will be nearly impossible to tell what made the difference – the risk mitigation tool or Consumer Authentication. Make your updates and let the data settle into the “new normal” before introducing new changes. (This typically takes about three months)

9.Remember device compatibility. As you plan for your Consumer Authentication rollout, don’t forget about Responsive Design capabilities. Your cardholders are using their mobile devices more and more to buy, and you want to make it as easy as possible for them to authenticate. Responsive design provides the best user experience by adapting to the size of the cardholder’s mobile / tablet screen.

10. Test, test, test. Before rolling out any new procedures, make sure you thoroughly test each consumer scenario that you have, to make sure that you find any inconsistencies or errors before your cardholders do.

11. Manage expectations. Make sure stakeholders know there will be a period of adjusting rules before your Consumer Authentication program is running at its peak. This period is essential for attaining authentication goals and thresholds. Be patient.

12. Track, Track, Track so you can see how much your authorizations are improving with Consumer Authentication. The more data you are able to pair between authorization increase and risk-based Consumer Authentication, the better the model will become.

13. Analyze your data and know your data. It’s very important to know what the typical behaviors are for your cardholders, and often, you are the only one who can tie all the data elements together.

Follow these tips and it can help your implementation of Consumer Authentication run more smoothly. Cardinal is available 24/7 for support. We are here to make your One Connection to Cardinal a success. To learn more, contact us at


Posted by Greg Esser

Greg Esser is currently fully responsible for Product and Sales Engineering for the Global Financial Institution Services Division, where he manages Technical Sales, market analysis and product enhancements across the issuing platform. With more than five years of industry experience, Greg has been a leader in many aspects of the Cardinal organization, spearheading inter-departmental and cross-functional groups tasked with evaluating and building solutions, direct merchant sales, global market services and the Management of Strategic Alliances. Greg’s sales mentality and product experience has played a key role in Cardinal's expansion in the global Card Not Present space. Greg has a B.S degree in Psychology from Heidelberg University.

Find me on: LinkedIn

Dec 8, 2015 8:30:00 AM

Topics: Consumer Authentication

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