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(3)Overview: The FFIEC has created an initiative where enterprise e-business is measured not simply by corporate liability but by the protection of the enterprise customer. Although the guidance may be missing a legislative bite, it is prudent for the financial institutions to plan an implementation path for multifactor online authentication within this fiscal year. The use of keystroke biometrics along with proper access control policies, logging, and auditing can create a cost-efficient and truly reasonable solution to the FFIEC guidance principles on internet banking authentication. Not only can it provide for the existing top 100 enterprise customers, but also allows expansion to all customers--especially those multitudes of less profitable customers the identity thieves frequently target.
