What percentage of questions must be answered correctly for knowledge-based authentication to be successful?

Knowledge-based authentication (KBA) is a crucial component in the process of remote online notarization. It ensures that the individual participating in the notarization is who they claim to be by requiring them to answer a series of questions based on their personal information.

For KBA to be considered successful, individuals must typically answer a significant percentage of the questions correctly, which establishes their identity more reliably. The standard threshold that has been widely adopted in practice is 80 percent. This means that to pass the KBA process, an individual must correctly answer at least four out of five questions, thereby demonstrating a reasonable certainty regarding their identity.

This 80 percent requirement strikes a balance between allowing for some margin of error while still ensuring a robust verification process. In contexts where security and fraud prevention are critical, such as remote notarization, this threshold helps to minimize the risk of unauthorized transactions.