What is knowledge-based authentication (KBA)?

Knowledge-based authentication (KBA) is a method designed to verify an individual's identity based on unique personal information that only the individual should know. This approach generally involves asking signers a series of questions that pertain to their personal history or financial background, such as past addresses, specific transactions, or other pertinent details. The goal of KBA is to ensure that the person interacting with the notary is indeed who they claim to be, thereby enhancing the security and integrity of the remote notarization process.

This method is particularly useful in remote online notarization environments where in-person verification is not possible. By providing a security layer that relies on information unique to the signer, KBA helps to mitigate the risks associated with identity theft and fraud, contributing to a more trustful and reliable online transaction experience.

In contrast, the other options refer to different practices not pertinent to knowledge-based authentication, such as in-person verification, which does not apply to remote notary services, or the notarization of legal documents themselves, which is a separate aspect of the notary's responsibilities.