The vendor says the bank went live with the RSA Cyota Transaction Monitoring system earlier this year. The service provides a second factor of transparent authentication using IP address, user and device profiles and causes no change in the user experience. The service analyses and scores all online banking transactions in real-time. A risk engine compares each online transaction to an automatically-generated profile of that user's known behaviour and other criteria, such as digital fingerprints and geographic location. The system also compares the data to known fraud patterns compiled by the RSA Cyota eFraudNetwork. The bank can choose how to handle high-risk payments, including blocking the transaction or conducting a manual review and seeking further identification of the user.