What does dynamic knowledge-based authentication (DKBA) assess?

Dynamic knowledge-based authentication (DKBA) assesses real-time identity based on prior data responses. This method involves verifying an individual’s identity through questions that are generated from their personal information and history, often drawn from public records or previously provided data. When a user is prompted with questions that are tailored to their own experiences or history, the assumption is that only the individual would be able to answer these questions correctly due to the personal and often sensitive nature of the information involved.

This process enhances security by ensuring that the person attempting to gain access to a service or information is indeed who they claim to be, rather than someone else impersonating them. The other options do not align with the function of DKBA; financial stability, trivia knowledge, and public speaking skills do not relate to the identity verification process that DKBA is designed to facilitate.