Software Design

Designing Adaptive Step-Up MFA in Banking

Use Case Diagrams · made in Skemio

Use case diagram for Adaptive Multi-Factor Authentication showing Customer and Risk Engine interacting with credential checks, risk evaluations, and token challenges.
Use case diagram for Adaptive Multi-Factor Authentication showing Customer and Risk Engine interacting with credential checks, risk evaluations, and token challenges.
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What it shows

  • Risk scoring engines dynamically evaluate IP, device, and payload values.
  • Hardware tokens (FIDO2) protect high-value wires against phishing.
  • SMS OTP serves solely as a fallback factor, never the primary defense.

The takeaway

Adaptive step-up MFA protects high-value actions without tormenting legitimate users on login.

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