The Smart Guide to Implementing Risk-Based MFA That Customers Won’t Hate

Risk-based MFA is an authentication approach that dynamically decides whether to challenge a user for a second factor based on the risk level of a specific login attempt, rather than challenging every user every time.

Instead of treating all logins the same, risk-based MFA evaluates each login against a set of risk signals and assigns a composite risk score of LOW, MEDIUM, or HIGH. The MFA challenge is only triggered when the risk score meets or exceeds a configured threshold.