How to use CAPTCHA in a conversational interface?

In today's digital world, robust authentication mechanisms are an absolute necessity. With the increase in cybercrime, it is essential to protect personal and sensitive information. As stated in the last OWASP 2023 Top 10 Vulnerabilities report, authentication mechanisms are the first line of defence against unauthorized access to online accounts. Furthermore, the new ISO 27001:2022 certification standard dedicates specific controls and clauses to ensure secure authentication procedures.

A robust authentication mechanism is the key to unlocking a great number of self-services. For example, making financial operations, changing insurance policy details or consulting medical test results are operations that individuals can perform online if they pass a strong authentication screening.

However, there are situations where robust authentication mechanisms are not possible. This is the case of quote&buy journeys, where customers are not registered and identified apriori, but also when agents and advisers are about to request some actions on behalf of their clients.

In such cases, the list of self-serve services experiments a physiological reduction because some critical actions won’t be accessible to an unidentified user. Reducing the risk of robots and Denial of Services attacks is also important by using additional security measures like CAPTCHA codes and other techniques.

CAPTCHAs, in particular, are a popular security measure used to prevent automated attacks by requiring users to prove they are human and they nicely fit conversational interfaces. A handy-style text over a noisy background is generated and displayed to the user as an image. Automated Optical Character Recognition (OCR) detectors won’t be able to easily guess the keyword by reading the image.

The main three requirements for a good CAPTCHA code generator are:

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3 ways to collaborate with startups for customer-focused innovation

2 min read

6 accelerators, 6 awards and several collaborations in travel, life and health insurance, from sales, customer care and claims later; since starting Spixii, here's what we've found to be the 3 ways to successful collaboration so far.

 

The time for collaboration is now

Since we started Spixii two years ago - as two insurance professionals, both part-qualified actuaries,  and one old-style, much loved computer scientist - we realised we could not change the insurance industry on our own. If we were going to make a real difference to the lives of insurance customers, we needed insurtechs and incumbents to collaborate.

There are benefits for both. For the insurance company, it's vital to create customer-centric innovation to keep up with the disruptors. Startups offer an immense amount of experience and passion for a specific piece of that innovation puzzle. 

Collaboration is everything, yet it is notoriously difficult to pull off. From our experience, here are 3 ways we can collaborate between startups and insurers. 

1. Search for that spark.

If you have a vision for your company, you probably will not have to do much soul-searching to find that spark. The challenge becomes sharing that with your team, plus your internal and external stakeholders. How can you make everyone excited by this new technology? What difference will it make in their day-to-day life, and finally to the end customer?

The ability to turn ideas into reality is in a startup's DNA. If you need to make change happen, working with a startup can help you find your solution and really make it happen.

Innovation projects often feel like a marathon, particularly when it means changing your company culture. Yet, if everyone in your company shares that spark and passion, it becomes a little easier to get over those first hurdles. It still will not be easy, but the end result will be in sight.

Renaud_finance-min

Renaud Million, CEO and co-founder, at Finance 2.0

  

2. Get your legal and regulatory teams involved from the beginning.

During the Bupa Blue Table programme, we really learned the importance of working closely with legal and regulatory departments early on.

Having a lawyer around the table helps make sure your technology genuinely protects the company and also their customers. Likewise with regulation - at Spixii, we are passionate about keeping an eye on future regulatory changes to adapt our services. It's a startup's duty to prepare for the regulatory changes of tomorrow to prepare for today.

 

3. Grow together.

Do your company values, vision and culture fit the startup?

Even though technology - automated technology in particular - can often feel purely scientific and data-driven, we cannot forget the role people have to play in projects.

So often, projects do not fulfil their potential because of team dynamics, miscommunications and internal politics. This is one of the reasons why the Discovery package is so important. It is designed to help everyone align their vision and build trust in each other, plus establish a clear roadmap and success metrics.

Ultimately, our shared goal lies with the end customer.

 

To find out more about how to work with us, please click below.
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