A survey paper on smart validation for managing
access and identity
Ajay Kumar Singh
School of Computer Science &
Engineering
Lovely Professional University
Phagwara, India
lightajaysingh@gmail.com
Abstract—This The primary focus of this paper is to
investigate the significant advantages that Identity and Access
Management (IAM) systems offer to enterprises. IAM systems
encompass predefined tasks within the realm of information
security, with authentication being a crucial function responsible
for validating user identities for service providers collaborating
with other IAM systems [1]. The paper delves into an analysis of
how intelligent authentication operates within IAM systems,
examining key factors associated with this concept. However, the
study revealed that achieving authentication that fulfills all these
key factors remains a challenge. In the context of efficiently
managing modern, intricate IT systems, it is imperative to assign
distinct identities and associated responsibilities to users for
accessing various applications, operating systems, and database
platforms. Users are burdened with the need to remember
multiple passwords, while IT teams must exert repeated efforts to
manage users across diverse platforms, impacting productivity
and posing risks of unauthorized access to sensitive data and
corporate resources. Fortunately, a solution exists in the form of
a unified and intelligent approach to IAM. This approach
enables companies to consolidate a user's multiple identities into
a few, or ideally, a single identity, while establishing a unified set
of roles and rules. Such an approach simplifies IAM
administration significantly, enhancing both user and IT
efficiency while optimizing security and compliance. This paper
comprehensively explores how intelligent IAM authentication
methods streamline various critical activities, including
multifactor authentication and password management [1].
Keywords—Identity and Access Management (IAM), Identity
Management strategy, Access management, IAM enterprise.
I. INTRODUCTION
In the historical context of corporate information
systems, software programs were traditionally developed and
deployed within the company's established perimeter. This
so-called "safety zone" was fortified using static methods
and was primarily maintained by the IT department's
personnel. Typically, this "trust area" encompassed the
network infrastructure of the organization, as well as
application systems hosted within in-house data centers. In
some cases, internal specialists managed or outsourced
server farms to alternate sites while retaining control over
security policy formulation and implementation. The
safeguarding of the company's information resources
followed a traditional paradigm, employing a range of
multidisciplinary mechanisms at the network level
(Reference: [2,3]).
Authentication techniques based on the automation of
identities for network access are critical challenges in the
field of information systems. An entity's identity comprises
distinct characteristics that set it apart from others [3].
XXX-X-XXXX-XXXX-X/XX/$XX.00 ©20XX IEEE
Typically, a company's information system interface is
located within its boundaries, forming a "trust area" guided
by expert-recommended strategies. Digital identity
represents a set of attributes that entities leverage with
information technology to establish their identity, whether it
be a person, company, application, or device. Identity and
Access Management (IAM) systems play a crucial role in
managing digital identities, ensuring that individuals gain
appropriate access to resources as needed [4]. User
authentication comprises three key tasks: identification,
enrollment, and verification. The first two subtasks focus on
describing and registering digital user attributes used for
verification, often determined in collaboration between IAM
and service providers. The final task occurs when a user
attempts to access a specific service platform through IAM
[5]. This verification process is pivotal in any authentication
system, as it confirms the user's identity. Traditional
authentication methods relied on knowledge-based and
possession-based techniques, which had various
shortcomings. For instance, password-based authentication
depended on matching the digital signature (password) in the
individual's knowledge with the stored secret phrase in the
system [5]. However, this approach had vulnerabilities, such
as the potential for password theft or forgery.
Frequent data breaches have become a troubling trend in
recent times, with the USA experiencing an alarming
increase of over 30% in data thefts over the past decade,
according to the Identity Theft Resource Center. While it's
easy to attribute these incidents to global hackers, the truth is
that many breaches occur much closer to home, often
resulting from a combination of inadequate security
measures, software vulnerabilities, human errors, insider
threats, and the misuse of access privileges. In this
landscape, Identity and Access Management (IAM) emerges
as a critical tool for organizations in their cybersecurity
efforts. IAM offers a robust and comprehensive solution to
prevent data breaches and address the risks associated with
remote work and Bring Your Own Device (BYOD) policies.
IAM continually evolves to address essential tasks, including
data security, authentication, data synchronization, managing
customer preferences, and complying with privacy standards.
Underestimating the importance of a well-developed IAM
strategy is unwise, yet a startling 83% of companies, as
revealed by a study conducted by Forrester, lack a mature
IAM strategy. These organizations face a doubled risk of
data breaches compared to those with a mature IAM
approach. The research also establishes a clear connection
between effective IAM practices and reduced security risks,
increased productivity, better control over privileged
activities, and substantial financial loss mitigation. The
primary focus here is to explore the synergy between AI and
IAM in enhancing cybersecurity and other operational
aspects.
II. PROBLEM STATEMENT
Abbreviations and Acronyms The primary challenge
addressed in this paper pertains to the significance of
intelligent authentication in the context of identity and access
management (IAM). IAM has historically been marked by its
inherent complexity and the diverse range of features it
encompasses, which are crucial but often viewed as a
necessary inconvenience. However, the constant influx of
innovations in the form of applications, computer systems,
and networks necessitates distinct identities, roles, processes,
and permissions within every organization. Consequently,
most organizations find themselves in need of two critical
components within their IAM systems: unity and
intelligence. This article underscores the advantages of
unifying identities, roles, processes, and confidentiality
agreements to establish a singular, all-encompassing
intelligent IAM strategy that seamlessly spans across
platforms, users, environments, and various needs, be they
security-related, operational, or compliance-driven. The
realization of such a unified and intelligent IAM system has
the potential to transform IAM from a cumbersome, costly,
and frustrating endeavor into an organized, achievable, and
individually optimized strategy that not only supports an
organization but propels it forward.
In tis quest for an intelligent IAM strategy, the concept of
Intelligent Authentication (IA) emerges as a pivotal
component. IA serves as a means to counter untrusted
sources attempting fraudulent account sign-ins, presenting
itself as either a complement to or a replacement for
traditional hardware and mobile identities in IAM. IA offers
end-users a multi-layered security approach while
minimizing disruptions to their user experience. It relies on a
"risk-based" authentication model that considers various
profile information in addition to the conventional username
and password, as well as the common login credentials
shared by all users. This methodology enables corporate web
developers and IT professionals to seamlessly integrate
intelligent authentication into their online applications,
ensuring that users can securely access their accounts. To
implement IA, clients are required to configure the Smart
Authentication policy within the Manager tool, thus ensuring
a robust and secure authentication process for end-users
(Author, Year, Paper Title).
III. LITERATURE REVIEW
A. Conventional IAM Approaches
A The realm of Identity and Access Management (IAM)
has long been acknowledged for its intricate and multifaceted
components. In the contemporary corporate landscape, where
technology is pivotal, these technologies necessitate distinct
identities and roles, as well as well-defined processes and
authorization mechanisms [6]. The IT workforce must
allocate resources to each of these facets to ensure that these
technologies fulfill their intended purposes. Concurrently,
the constantly evolving landscape of security and compliance
introduces the need for heightened levels of oversight and
transparency. Balancing these requirements presents a
perpetual challenge, as organizations strive to optimize costs
without compromising security and compliance. It is crucial
to recognize that IAM serves as a tool to facilitate the
efficient operation of your company, rather than being the
primary focus of your organization. Throughout history, two
predominant strategies have driven efforts to tackle the
intricacies of IAM:
Using point solutions: Companies employ point
solutions to address specific system requirements by
implementing and coordinating features like self-service
password resets within a single. [6].
The use of an IAM Framework: In the realm of identity
and access management, a viable approach involves the
development of a versatile framework that can be customized
to suit the distinct requirements and goals of an organization
(Smith et al., "Intelligent Authentication for Identity and
Access Management: A Review Paper"). Notable examples
of such solutions include IBM's Tivoli Identity Manager,
Oracle's offerings, particularly those stemming from their
Sun technologies acquisition, Novell's range of solutions, IT
Associates' offerings, and the relatively recent entrant into
the field, Microsoft's Forefront Identity Manager. This
approach promotes adaptability and efficiency in addressing
an organization's identity and access management
challenges. [6,7].
The methods discussed in this context may indeed offer
significant value to companies and contribute to bringing
them closer to their strategic objectives. However, it is worth
noting that these approaches often do not address the
fundamental root cause of the problem, which is the inherent
complexity of managing identity, roles, rules, and policies.
Often, these elements are handled individually,
inconsistently, particularly in the context of application
services, or through costly custom-programmed logic in the
case of an Identity and Access Management (IAM)
framework. Furthermore, compliance and security concerns
are frequently managed reactively rather than proactively, as
noted in the paper "Intelligent authentication for identity and
access management: a review paper" [7].
B. An Intelligent and Coherent to Identity and Access
Control
The ideal scenario for Identity and Access Management
(IAM) would involve a unified approach where each user
possesses a single identity across all platforms, with a fixed
set of functions that can be automatically applied as needed,
and a single set of processes that are independent of
organizational systems. This would also entail a single set of
authorizations driven by business requirements rather than
technological advancements, resulting in a more
straightforward, cost-effective, and secure IAM system
(Paper: "Intelligent Authentication for Identity and Access
Management: A Review Paper"). However, achieving this
level of integration and uniformity is a significant challenge,
as organizations have developed their IAM systems over the
years and cannot easily start anew with a single IAM
authorization provider. The diversity of technologies, such as
Microsoft, Oracle, and Linux solutions, in use throughout an
organization's infrastructure adds to the complexity (Paper:
"Intelligent Authentication for Identity and Access
Management: A Review Paper"). Nonetheless, it is possible
to make substantial progress in reducing the number of
business IDs and consolidating various ad hoc roles,
processes, and attestations into a more consistent and
streamlined framework. This approach allows organizations
to maintain the benefits of technological variety while
enhancing the key elements of IAM, including identities,
functions, procedures, rules, processes, and attestations
(Paper: "Intelligent Authentication for Identity and Access
Management: A Review Paper").
Fig i: Intelligent authentication process
Key components of an innovative and cohesive approach to
Identity and Access Management (IAM) entail the following
critical features:-
The process of integrating multiple identities into a
single, pre-existing identity whenever possible is a key
strategy in achieving a more streamlined and efficient
approach to identity management. This approach involves
the development of a unified framework encompassing
priorities, policies, activities, and authentication methods that
can effectively manage a significant portion of the business.
To address critical issues, it is essential to employ point
solutions that seamlessly align with the unified identity
domain. For instance, this may involve the implementation
of AD-based enterprise single sign-on solutions in platforms
that need integration with Active Directory, as well as the
incorporation of platform-specific privileged managed
services that rely on AD roles and identities for customized
assignment of privileges. Furthermore, it is imperative to
consolidate all systems, both unified and non-unified, within
an identity intelligence framework that comprehensively
understands and transforms current roles, regulations,
processes, and attestations into a standardized model
designed to achieve authentication in alignment with both
business objectives and technical capabilities, serving as the
driving force behind this holistic approach [9, 10]..
C. Making Use of an Identity and Access Management
System
Many organizations consider IAM frameworks to be the
exclusive approach for implementing Identity and Access
Management (IAM), but these frameworks are often
custom-built and entail substantial expenses and protracted
development and deployment timelines. Consequently,
many businesses find it challenging to either secure the
funds or commit to such extensive projects. Furthermore,
IAM frameworks, akin to point solutions, frequently fail to
comprehensively address the intricacies and challenges
inherent in IAM. In this scenario, the framework invariably
requires integration with all ten identities, along with an
11th identity in a meta-directory that governs the others.
When a user's information is scattered across five disparate
repositories, IAM frameworks may necessitate the
development of bespoke business logic to manage the
disparities and peculiarities across these systems. Moreover,
customization within the framework becomes a necessity,
sometimes involving the replication of software applications
or the introduction of new components to replace ad-hoc
solutions.
D. Multifactor Authentication
In order to meet various governmental and industry
compliance requirements and adhere to robust security best
practices, it is imperative to enhance identity verification
beyond the limitations of a basic username and password
login. This advanced access control method encompasses
the use of two or more authentication factors, such as smart
cards, one-time passwords (OTPs), or even biometrics, to
rigorously confirm an individual's identity before granting
access. Each of these options augments the traditional "what
users know" (passwords) with "what users possess" (smart
cards or OTP tokens) and/or "who they are" (biometric
traits), thereby fortifying the security of user accounts.
While deploying multi-factor authentication services can
incur costs and necessitate specialized infrastructure,
conventional solutions can be particularly challenging to
maintain, especially when multifactor authentication is
mandated across disparate and non-integrated systems. It is
uncommon for users in secure IT environments to manage
multiple smart cards or OTP tokens for different platforms,
and this complexity can be a significant obstacle to
widespread adoption.
Multiple multifactor authentication providers have
effectively convinced their customers that the distinct design
and limited lifespan of multifactor authentication systems
are crucial. However, advancements in technology and
cognitive understanding have demonstrated that multifactor
authentication need not rely on exclusive services and can
incorporate non-expiring attributes. In modern OTP
systems, each multifactor authentication is grounded in
Active Directory, rather than relying on a distinct,
proprietary directory. Furthermore, these systems comply
with regulatory standards, granting businesses the flexibility
to choose configurations from various manufacturers [12].
Fig ii: Multifactor authentication
E. An Intelligent and Unified Method for Multifactor
Authentication
Unification of IAM (Identity and Access Management) is
pivotal for advancing multifactor authentication. For
instance, on Unix, Linux, Mac, and Java platforms that have
seamlessly integrated with Active Directory (AD), it
becomes possible to safeguard these systems using the same
multifactor authentication method employed for AD,
eliminating the need for multiple tokens or smart cards.
Take, for instance, Quest Defender, which offers one-time
password (OTP) verification for any Unix, Linux, Mac, or
Java platform integrated into the AD trust realms.
Furthermore, Authentication Solutions extends its coverage
to Unix and Linux platforms, providing a solution for
companies already utilizing Windows smart cards.
Additionally, Quest Enterprise Single Sign-on can be
configured to initiate Single Sign-On (SSO) using various
multifactor authentication methods, such as smart cards,
OTP, or biometrics. While the identity intelligence
framework may not directly impact multifactor
authentication, it adds an additional layer of control and
accessibility based on unified identities, roles, guidelines,
policies, business processes, and attestations. This can
necessitate multifactor authentication for direct connections
or be required to establish and maintain the multifactor
authentication platform.
F. Keeping Passwords Secure
Another security concern arises from users of a particular
site having various passwords when they have multiple
identities. It brings about the following difficulties.:
 Varying password use habits - Developing a single,
secure password approach is difficult (and often
unfeasible) due to the requirement for distinct
passwords for different platforms [14, 15]. It's
possible that some systems can't manage password
complexity as well as others, and that IT specialists
have more important tasks to complete than
revising and eliminating password policies to make
them consistent with the rest of the company.
 Changing a password costs money - This situation
arises due to the increased burden on users to
remember a multitude of passwords, resulting in a
higher probability of forgetfulness, which, in turn,
can cause reduced productivity among employees
and an increased workload for IT personnel. Often,
the task of changing passwords falls to IT
specialists, diverting their attention from more
critical aspects of their job and encumbering
employees with a non-core task [15].
 Issues with security and compliance - In situations
where individuals must remember numerous
passwords, each system imposing its own distinct
criteria for password selection, people often resort
to protective measures, such as recording their
personal passwords to ensure access and security
[15].
G. Password Management: A Coherent and Astute Method
Enabling users to modify their numerous passwords is
insufficient; the objective should be to minimize the number
of passwords individuals need to remember and the
administrative burden on IT staff. A unified Identity and
Access Management (IAM) approach achieves this by
consolidating identities across various platforms, such as
Unix, Linux, Mac, Java, and numerous standards-based
tools. This consolidation eliminates the necessity for these
platforms to rely on passwords, thus obviating the need for
frequent password changes and preventing users from
resorting to insecure practices like writing down passwords.
Moreover, implementing a single robust password policy
that applies uniformly to all Active Directory-integrated
applications can enhance security, and the use of multifactor
authentication can further bolster security measures.
Fig iii: Password management authentication
H. The Future of the USA
Authentication methods are undergoing significant
transformations as we move towards a future where
complex passwords and traditional multi-factor
authentication are gradually being phased out in the United
States. The shift is towards intelligent and continuous
authentication and authorization, a response to the public's
preference for ease of access over privacy concerns when
dealing with IT companies and financial institutions. This
places a heightened responsibility on banks and financial
institutions to protect customers from identity fraud and
money laundering. However, before implementing AI-
driven authentication, these institutions must assess their
current infrastructure capabilities and their capacity to offer
biometric and behavioral authentication. The evolution of
authentication is anticipated to take place in the background,
imperceptible to the user, with a focus on continuous
monitoring and seamless engagement, particularly through
risk- and behavior-based authentication methods.
Traditional single-factor authentication, relying on
usernames and passwords, is widely used, but multifactor
authentication (MFA) is gaining prominence, requiring
users to provide multiple authentication sources, such as a
password and a one-time PIN received via text message.
While MFA demands more effort from users, it offers
enhanced security for restricted data. Multifactor
authorization is here to stay, especially as the Internet of
Things continues to expand, necessitating more than three
information sources for trustworthy web access.
The interplay between AI and identity management
in the United States extends beyond simply reacting to and
capitalizing on current trends. It also involves facilitating
the transformative journey of businesses into the digital
realm. A well-executed Identity and Access Management
system serves as the cornerstone for risk mitigation,
improved governance, and the establishment of a secure
digital enterprise. Artificial intelligence, coupled with
cognitive computing, is making significant strides in aiding
businesses in the consumption and extraction of value from
vast datasets, while also enhancing governance and
decision-making through advanced analytics. In the realm of
information and authentication management, this implies the
potential for more nuanced runtime authorization decisions,
leveraging AI's capacity to ingest and process vast amounts
of data for enhanced decision granularity. Some
organizations, like Elastic Beam (recently acquired by Ping
Identity), have already harnessed AI for API behavioral
security, asserting that AI-driven analysis offers a more
effective means of monitoring the growing number of
corporate APIs. However, there remain concerns about the
reliability of such algorithms and the question of whether
they should be permitted to autonomously restrict access for
individuals or APIs without human oversight.
I. Financial Advantages
A forward-looking authentication system for identity and
access management holds significant promise for elevating
customer satisfaction within the United States' financial
institutions, streamlining access, and fortifying security
measures. This transformation is underpinned by a suite of
cutting-edge technologies, such as machine learning, cloud
computing, and analytics, which are poised to significantly
mitigate human error across various sectors, with banking
being a prominent beneficiary [18]. The integration of
artificial intelligence in the United States promises to
revolutionize the banking sector by combatting cyber
threats, rendering mobile applications more secure for
transactions, and simplifying the process of establishing
bank accounts. Presently, there is a plethora of robust
authentication solutions available that not only safeguard
consumers but also shield U.S. companies from severe
penalties and costly security breaches. Embracing
decentralized solutions empowers users to regain control
over their identities while maintaining seamless, one-touch
access to vital resources [19]. In essence, this global shift
envisions a world where individuals become the rightful
proprietors and overseers of their own legal identities.
J. Using Artificial Intelligence to Address IAM
Artificial Intelligence has made significant strides in recent
years, owing to its distinctive attributes, including
flexibility, scalability, and its ability to tackle novel
challenges while reducing human effort and involvement
[10]. The integration of AI and Machine Learning
technologies holds great promise in the realm of Identity
and Access Management (IAM). These innovative solutions
have the potential to transition companies from overly
technical access control systems to accessible and
comprehensible access management across all
organizational levels [11]. Modern technologies bring forth
fresh perspectives and procedures that can greatly expedite
IAM compliance assessments, all without necessitating
large teams of security experts. They can effectively
pinpoint irregularities and potential risks, equipping both
technical and non-technical personnel with the knowledge
needed to make informed decisions. These advancements
hold particular significance in the domains of anti-money
laundering, fraud detection, and the mitigation of insider
threats [11]. It is for these reasons that AI serves as a pivotal
tool in enhancing the IAM workflows of companies, further
solidifying the importance of IAM in the realm of
cybersecurity and identity and access management [11].
Fig i: IAM model for AI use in a business
K. How does AI change the IAM landscape:-
 AI tracking and enhanced visibility - Companies
can leverage AI to maintain constant vigilance and
benefit from its ability to detect subtleties that often
elude human observation. This capacity extends to
the intricate dynamics of network interactions,
empowering IT organizations to enact intelligent
administrative measures and make well-informed
decisions regarding user licenses. Moreover, AI
offers the opportunity to enhance role-based access
management, thereby improving the control of
privileged access and reducing the risk of its
misuse during periods when temporary permissions
are granted. In an era where seamless,
uninterrupted, and precise data access is paramount
due to the interconnectivity of corporate systems,
advanced authentication systems driven by AI play
a pivotal role, especially when data needs to be
collected and analyzed at a pace beyond human
capability. These AI systems maintain continuous
surveillance of users operating within their
authorized access boundaries, and they can swiftly
identify anomalies, inconsistencies, or deviations in
user behavior, such as unusual visits to system
sections or excessive file retrievals, ensuring
heightened security and efficiency [13].
 Adaptability and Automation - AI, with its ability
to comprehensively analyze user activities, offers
the potential for automating authentication in low-
risk access scenarios. This automation can
significantly reduce the burden of Identity and
Access Management (IAM) administration,
alleviating the "security fatigue" experienced by
users. AI excels in examining various factors
surrounding access requests, such as the time of
day, the type of device in use, device locations, and
the specific assets being accessed. By factoring in
these conditions, AI can make IAM more relevant
and granular, effectively mitigating potential issues
stemming from improper provisioning or
deprovisioning of resources. Moreover, artificial
intelligence systems can effectively apply
 appropriate IAM guidelines to each access token
based on the requester's unique requirements and
conditions. This capability not only enhances
security but also saves valuable time and effort for
IT departments, as they no longer need to
individually determine the principles of "least
privilege" for each specific use case.
L. Data breach detection and prevention
Contextual monitoring offers the advantage of pinpointing
anomalies in user behavior that may indicate malicious
intent or security breaches [17, 18]. Machines have the
capacity to process vast amounts of data at speeds
surpassing human capabilities, enabling early detection of
unusual activities and helping businesses avert potential
network breaches or data loss [18]. By observing how
different user identities interact with corporate networks,
data security enhanced by machine learning (ML) can
gradually "learn" user behavior patterns [18, 19].
Consequently, the system becomes adept at distinguishing
between normal, acceptable activities and behaviors that
warrant suspicion, enabling continuous monitoring and the
refinement of machine learning algorithms to create more
precise models of typical network traffic. What happens if a
hacker gains access to the system using legitimate user
identities? The system actively identifies alterations in
behavior or unusual actions during the session, promptly
notifying the IT department or autonomously blocking
access requests [18, 19].
M. Opportunities for the US economically
The synergy between AI (Artificial Intelligence) and IAM
(Identity and Access Management) is poised to have a
profound economic impact by automating tasks previously
considered beyond automation's reach. This development
promises substantial economic benefits for the United
States, primarily by enhancing productivity and wealth
generation. However, it will also bring about varying effects
on employment, diminishing the demand for roles that can
be automated while increasing the need for skills that
complement artificial intelligence. According to the White
House Council of Economic Advisors (CEA), the adverse
repercussions of automation will be most pronounced in
lower-paid occupations, potentially creating new
employment prospects for IT graduates. To address
concerns of employment inequality, public policy should
focus on retraining individuals to excel in roles that
complement automation, rather than competing with it.
Moreover, public policy can play a crucial role in ensuring
that the economic gains from AI and IAM are equitably
distributed, and that AI technologies are used responsibly,
fostering a new era of global economic prosperity.
The rapid advancement of artificial intelligence and
information security has heightened the demand for
individuals with the requisite skills to drive and sustain
progress in these fields. A growing number of AI
researchers are spearheading foundational breakthroughs,
while an expanding pool of experts refines AI techniques for
specific applications, and a more extensive user base
deploys these applications in diverse contexts. Training in
artificial intelligence and information security demands a
multidisciplinary foundation, encompassing computer
engineering, economics, programming environments, and
evolutionary computation for researchers. Specialized
training, on the other hand, typically necessitates a
grounding in software engineering and a deep understanding
of the specific application domain. To harness AI
technologies effectively, users must familiarize themselves
with both artificial intelligence and identity and access
management systems.
IV. CONCLUSION
This review paper delves into the application of intelligent
authentication within identity and access management, with
a specific focus on multifactor authentication and password
management. The study's findings highlight the challenges
posed by the complexity of identity and access management,
especially in the context of diverse IT infrastructures that
require multiple identities for each user. This complexity
often results in fragmented approaches to role
administration, user authentication, provisioning, and
somewhat ad-hoc efforts in implementing multifactor
authentication and privileged account management. To
address these issues, it is crucial to streamline and simplify
processes while implementing a management layer aligned
with organizational objectives rather than solely relying on
IT or technological capabilities. The implementation of
intelligent authentication plays a significant role in reducing
identity proliferation, simplifying critical identity
management tasks like password resets and audits, and
enhancing security through multifactor authentication. It
also mitigates the "keys to the kingdom" problem by
granting administrative access in granular increments while
maintaining a comprehensive audit trail of administrator
privileges and actions. Furthermore, it consolidates user
passwords and offers self-service password changes, thereby
bolstering security and increasing operational efficiency. In
summary, intelligent authentication serves to enhance the
existing identity and access management framework by
reducing complexity, lowering costs, improving control,
accelerating time-to-value, and ultimately delivering a more
efficient and secure solution for organizations. By
combining artificial intelligence (AI) and Identity and
Access Management (IAM) with effective monitoring and
reporting technologies, it becomes feasible to visualize
network connectivity and, subsequently, mitigate exposure
to breaches by implementing intelligent and adaptive rules
for identity and access management. The financial sector
has long grappled with the pivotal issue of identification, a
fundamental aspect of their operations. To stay competitive
in today's ever-evolving landscape, banks must establish
robust and dependable digital identity frameworks that
complement their traditional methods of verifying real-
world identities. As we transition from the analog world to
the virtual realm, various challenges loom, including
security gaps, interoperability issues, cyber threats, and
inadequate user access controls. Businesses and
governments must strive to create solutions that not only
protect consumers but also preserve the privacy and security
of their personal data, all while offering more convenient
goods and services.
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