TL;DR: Customer identity fraud remains costly, with Javelin Strategy & Research cited by Strivacity showing new account fraud rose 109% and account takeover losses rose 90% in 2021, while the average victim loss exceeded $1,000. The practical lesson is that CIAM trust now depends on verifiable controls across authentication, security, and accessibility, not brand claims.
NHIMG editorial — based on content published by Strivacity: CIAM certifications, passkeys, and accessibility
By the numbers:
- In 2021 new account fraud rose 109% and account takeover losses increased 90% year over year.
- The average per-victim loss across all types of identity fraud was more than $1,000.
- Credit card use more than tripled from 15.6B transactions in 2000 to 51.1B in 2021.
Questions worth separating out
Q: How should security teams evaluate CIAM providers beyond marketing claims?
A: Security teams should ask for independent evidence of control design, audit scope, and operating effectiveness, then test whether those controls actually cover login, recovery, and maintenance journeys.
Q: When does passwordless authentication create new governance risk?
A: Passwordless becomes risky when organisations focus only on the happy path and ignore enrolment, device binding, fallback recovery, and support-mediated reset flows.
Q: Why does accessibility matter in identity and access management?
A: Accessibility matters because identity control is only effective if legitimate users can complete authentication and account maintenance without bypassing security or relying on unsafe manual help.
Practitioner guidance
- Validate external assurance claims Require evidence for certifications, audit scope, and control coverage before accepting a CIAM provider into a customer-facing trust path.
- Test passwordless recovery end to end Review enrolment, device binding, fallback authentication, and support-assisted recovery together so passkeys do not create a new weak link.
- Bake accessibility into security testing Include WCAG checks for labels, error states, focus order, and timeout behaviour in every login and account-maintenance release.
What's in the full article
Strivacity's full post covers the operational detail this post intentionally leaves for the source:
- The vendor's own explanation of how PCI DSS, FIDO2, SOC 2, and WCAG map to customer identity assurance.
- Context on why the company chose to emphasise external validation across security, privacy, and accessibility.
- The article's specific commentary on passkeys, passwordless login, and multi-device customer experience.
- The source's direct framing of how these standards support customer trust in sign-in and account maintenance journeys.
👉 Read Strivacity's post on CIAM certifications, passkeys, and accessibility →
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