C H E Q U I N G O U T
C H E Q U I N G O U T
3. Authorisation and access management
Authorisation and access management define the available rights and entitlements for any authenticated user, application or device. Traditionally, authorisation has relied on role-based access control( RBAC). To address more fine-grained authorisation requirements, attribute-based access control( ABAC) models were developed. With modern requirements demanding even more fine-grained approaches, relationship-based access control( ReBAC) emerged, evaluating access based on the relationships between entities, with Google Docs being a prime example.
Regardless of the underlying model, authorisation in CIAM involves evaluating access rights and granting appropriate permissions to users, applications and devices. In consumer-facing applications, access rights often vary based on the user’ s loyalty level. In B2B SaaS applications, they depend on roles and service subscription tiers. Additionally, access may be dynamically adjusted based on the user’ s assurance level when accessing data or performing actions. For instance, an online banking application might prompt for 2FA again during a transaction to ensure security.
4. Self-service
Self-service capabilities are crucial for enhancing user experience and reducing operational costs. The efficiency with which users can recover lost or forgotten credentials is significantly influenced by the ease of access provided by self-service options. These options empower users to undertake actions faster or outside regular business hours. Operationally, these options automate common customer service and support tasks, saving businesses substantial contact centre and chat-based labour costs. Essential self-service features include simple password resets, recovery of forgotten user IDs and the ability to manage MFA options like authenticator apps, passkeys and security keys.
Additionally, users need to have access to their activity logs, which show when and from which devices they accessed their accounts. This transparency allows users to audit their activity and take necessary actions based on this information. Compliance with privacy regulations, such as GDPR, requires facilitating self-service features that allow users to view accepted terms and conditions, download their data and opt out of services.
5. Integration with systems of record and business insight tools
This competency involves embedding identity into the organisation’ s business processes and tools, facilitating seamless interactions across various applications and workflows. Businesses often evolve to have multiple siloed identity repositories serving different lines of business( LOBs) and their respective applications. To achieve a centralised CIAM system, unifying identity management across all business properties, including various external-facing websites, is essential. This unification may require migrating siloed user data repositories or their bidirectional integration to synchronise user profiles.
Similarly, integrating CIAM with other customer data repositories, such as Customer Relationship Management( CRM) systems, is vital to achieving a more unified customer experience by improving data consistency and enhancing customer insights and operational efficiency. Integrating CIAM with business insight tools such as cyber / web fraud management systems, incorporating risk-based authentication and behavioural biometrics and transaction monitoring systems help identify and mitigate fraud effectively.
Striking the right balance across these five pillars is crucial. Together, they enable frictionless, personalised customer experiences, ensure robust security and compliance and enhance operational efficiency. This means organisations can drive higher adoption rates and foster business growth, ensuring they remain competitive in today’ s dynamic digital landscape. � www. intelligentfin. tech
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