Aite Group’s latest report, Digital Authentication: New Opportunities to Enhance the Customer Journey, explores merchant and financial institution initiatives to create an intuitive user experience. A variety of technologies, such as biometrics, is now available that can bring both greater security and a superior user experience. However, the resulting cacophony of vendor messages can be confusing for FI and merchant executives as they work to understand the value of various technologies and determine the appropriate way to orchestrate an effective solution. and merchants are spending a considerable amount of time and resources in their quest to make it as easy as possible for consumers to access and spend their money. Meanwhile, an increasing proportion of banking and retail transactions are quickly moving into the online and mobile channels, and criminals are following with rapidly evolving and innovative attacks. This report outlines the various digital channel fraud detection and authentication solutions, discusses their pros and cons, and provides a vendor mapping. It concludes with a discussion of the ways in which FIs and merchants can more nimbly evolve their protective strategies.