4 min read

4 Ways Advanced Technology Can Help Retailers Reach Their Sustainability Goals

By Catalina Reynolds on Nov 25, 2020 10:37:39 AM

It is no secret that there is a growing demand from customers for sustainable practices in retail. According to a 2015 report by Nielsen, 73% of Millennials were willing to pay more for sustainable goods. A 2019 First Insight report covered in Forbes’ “Sustainable Retail: How Gen Z Is Leading The Pack,” found that 62% of Generation Z, who will start joining the workforce this year, prefer to buy from sustainable brands.

Topics: Blog Innovation Technology Enablement Digital Transformation Digital Retail
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5 Benefits of Responsive Web Design

By Nisum on Nov 18, 2020 8:40:05 AM

In a 2019 report, 82% of smartphone users have made a purchase using their mobile devices. 

Topics: Blog Technology Enablement Marketing Digital
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Nisum EVP in Forbes, "New To B2B Digital Commerce? Here's How To Get Started"

By Sajid Mohamedy on Oct 28, 2020 9:00:00 AM

B2B investment in eCommerce capabilities represents a dividing line between companies that are able to weather market volatility and those that don't survive. In his Forbes article, Nisum EVP, Sajid Mohamedy, shares how organizations can get started with their B2B sales. Continue reading below or read it on Forbes here.

Topics: Media Coverage Technology Enablement B2B Published Article
12 min read

White Paper: Best Practices for Defining SKU ID’s

By Nisum on Jul 8, 2019 5:39:00 PM

In this whitepaper, we will help the reader to understand what a Stock Keeping Unit is, and why it is so important. We will start off by looking at SKU design and providing some examples of how they can be used. We will then go on to outline best practices for SKU generation, and examine a few common anti-patterns of SKU design.

Topics: White Paper Technology Enablement Digital Digital White Paper
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White Paper: Digital Analytics Software Selection

By Nisum on Jul 8, 2019 5:31:00 PM


Throughout Nisum’s decades of experience in working across the spectrum of digital analytics tools, we have seen it all. And with so many options in the market for organizations to choose from, this paper will highlight the important aspects to consider before choosing a digital analytics software for your company. As you read through the following analysis, keep in mind that we have often found it to be the case that the best solution is comprised of a few integrated tools, rather than just one overarching software.

Topics: White Paper Insights & Analytics Technology Enablement Digital White Paper Insights & Analytics White Paper
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Nisum VP Featured With Revolve VP in VTEX Day Special Omnichannel

By Nisum on Jul 16, 2018 9:00:00 AM

Updated May 16, 2018 Nisum VP, Kyu Cho, and Revolve VP, Kai Li had a great turnout for their presentation on the main stage at VTEX Day 2018. During this special omnichannel panel on day two of the conference Kyu and Kai discussed how omnichannel is not just about improving the operations of physical and/or online stores, but rather, improving the customer experience as a whole. Some additional key takeaways were:

Topics: News Technology Enablement Omnichannel Conferences & Events Customer Experience
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PricePong® Co-Founder Talks About "How Retailers Can Neutralize The Amazon Effect" in Retail Info System (RIS)

By Faraz Mohammed on Jan 8, 2018 9:00:00 AM

PricePong® Co-Founder, Faraz Mohammed talks about the phenomenon of AEIOU, otherwise known as, "Amazon’s Economic Impact On U" and shares some strategies retailers can utilize to overcome the Amazon Effect. You can read the text below or see the full article here.

Topics: Media Coverage Technology Enablement
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Nisum Director Featured in Retail CIO Outlook in "5 Key Aspects for Retailers in Deploying an Effective API Strategy"

By Sarath Singamsetty on Jan 2, 2018 9:00:00 AM

Nisum Director of Enterprise Digital, Sarath Singamsetty, explains 5 important aspects of an API strategy that will not only promote success today but continue to stay effective over time in his article published in Retail CIO Outlook. You can read the full text below or visit the published article here.

Topics: Media Coverage Technology Enablement
18 min read

White Paper: How Developers Tackle Authentication in Their Applications

By Nisum on Oct 12, 2017 5:43:00 PM

The University of Bío Bío in Santiago partnered with Nisum Chile to create a curriculum enrichment initiative for its technology track. Along with creating new classes, UBB students participated in an internship program and worked on their graduating thesis at Nisum Chile. This paper will review one of their projects, Kontun, a recommendation framework that helps compare and select single and multi-factor authentication methods. 


As technology advances, software applications have progressively become more complex and able to hold larger and larger amounts of data. From initially being used solely for solving mathematical problems, computers are now used in a variety of tasks from creating artificial intelligence to calling a taxi cab. This white paper will cover how developers tackle authentication in their applications from bank transactions to holding sensitive medical data.

When a person tries to access their personal information, such as their social network, email, or bank accounts, it is common to first be required to input two pieces of information: the first would be a string that represents them, such as a username,
an identification number or their email address, and the second is a secret string, known as a password. The process above is known as authentication and it allows the applications to verify that the user trying to access the information is allowed to see it.

However, authentication with a password is not as secure as one would expect. In
the same way that technologies have evolved through time, so have the methods used for illegally accessing other people’s information. There is phishing, where a malicious person applies social engineering to obtain hints of people’s authentication information by speaking with them. Additionally, people often assign easy to remember strings such as their own names or their birthdays, making their account easier for those with malicious intent to access. Although there are ways to alleviate this, the more restrictions placed on the construction of passwords, the harder it is
for the user. Malicious people take advantage of this and use replay attacks, which automatically input thousands of string combinations until the user’s password is found. The above is even more complicated for Personal Identification Numbers (PIN), a variation of passwords that are used with ATM’s and mobile phones. They are usually limited to a small number of digits composed solely of numbers.

There are multiple alternatives to the common username and password authentication methods such as the tokens usually used for performing online bank transactions or user biometrics (face recognition or fingerprints). However, all existing authentication methods are lacking in some aspects, such as some are not user- friendly, others are not adequately secure, and others are too expensive to implement or maintain over time. On the other hand, not all applications need as much security as others, or to be as useable as others; this depends on multiple features such as the information the application will hold (if it is sensitive or not), the users for which it is aimed, and the target context.

When developers work on new software applications that require the use of an authentication method, they have to consider the distinct features and restrictions of these applications to correctly select the best authentication method for them. However, this is more challenging for bigger applications where multiple criteria must be considered. Additionally, developers sometimes decide to simply implement the authentication methods that they have heard of most or are most familiar with, even if they are not the best option for the current application, due to their lack of knowledge on other authentication methods. It is important for developers to be knowledgeable on all methods in order to properly select the best authentication method for their applications.

Through this white paper, Nisum aims to share knowledge on different authentication methods, especially those that are usually not as widely known by software developers. We will discuss a variety of existing frameworks that help developers perform their comparison and selection of authentication methods for their applications.

Nisum is a global consulting firm that specializes in digital transformation for leading brands. Founded in 2000 with the customer-centric motto “Building Success Together,” they have grown to 3 continents by consistently enabling modernization for Fortune 500 brands. This work has been performed by Nisum Chile SPA, Nisum’s branch in Chile, in collaboration with the University of Bío-Bío.

Some Insight on Authentication Methods

Authentication methods can be categorized by authentication factors. There are three well-known authentication factors. These are:

  • Knowledge-based authentication, or “something that you know .” Text passwords and its lesser-known variant, graphical passwords, belong to this category.
  • Possession-based authentication, or “something that you possess .” All kinds of tokens can be found in this category, such as smart cards and mobile authentication.
  • Inherence-based authentication, or “something that you are .” Biometrics (metrics related to human features) are comprised of this category. Examples of biometrics are face recognition, fingerprints, and even human behavior.

It is possible to combine two or more authentication methods belonging to different factors in order to increase an application’s security even more. This is known as multi-factor authentication and will be addressed in more detail in the following paragraphs. Next, let us dive deeper into the authentication methods mentioned above, especially those less known by software developers.

Graphical Passwords

Graphical passwords are a variant of text-based passwords. As the name implies, these passwords are based on the use of images. This authentication method aims to solve some of the text passwords’ weaknesses, namely, the difficulty for users to memorize their passwords, as humans are able to remember images better than alphanumeric characters.

Graphical passwords can be categorized as those based on recognition and those that use the ability to recall. The first, similarly to text passwords, challenges the user to remember a number of images that they selected upon registration. The second asks them to reproduce something that they created during registration, such as
a pattern. Figures 1 and 2 show examples of recognition-based and recall-based graphical passwords, respectively.

Although graphical passwords alleviate text-passwords’ memorability issues, they have the drawback that they are often easier to guess, as there are usually less possible password combinations in these methods. On the other hand, graphical passwords are easier to use on mobile devices than text passwords, as it is harder to input a string using a touch screen.

For more information on graphical passwords, the following articles can be read: Mihajlov and Jerman-Blažič (2011), Umar and Rafiq (2012), and Li et al. (2005).

Smart Cards

For this authentication method, a smart card is used to hold a user’s secret information, which is usually hard for them to remember. Smart cards are similar
to hardware tokens as they are required to be physically carried by the users. This provides stronger security than knowledge-based methods in the sense that a user must be holding the smart card in order to authenticate. One drawback is that, without it, not even the legitimate user can authenticate, forcing them to carry this smart card around. On the other hand, if the smart card is stolen, a thief can impersonate the user and gain access to their information for potentially malicious reasons.

Although there have been vast research on smart cards for remote authentication, they are best used on systems where users need to be physically present, as a reader is needed to interact with the smart card. As such, smart cards are often used for realizing payments.

For more information on smart cards, the following articles can be read: Tseng et al. (2008) and Cheng et al. (2012) .

Mobile-Based Authentication

Through the years, mobile phones have become more and more like portable computers. Most people around the world possess at least one mobile device. Features like mobile-based authentication make the mobile phone an appealing device to use as a hardware token for authenticating users since it does not require them to hold additional tools.

There are multiple ways of using mobile phones as an authentication device. Two of the most common ways are the use of SMS and One Time Password (OTP) software. The first method relies on the mobile phones’ usage of text messages, also known as SMS, to send a code to the users’ phones for them to use to authenticate. The second method uses software installed on smartphones to generate random OTPs over time, in a similar manner as hardware tokens.

Mobile-based authentication is an interesting replacement to traditional software and hardware tokens, but it has its own issues as well. For example, the use of SMS is restricted by service providers and may not be received immediately. Just like any other possession-based method, if the mobile phone is lost or stolen, the user is unable to authenticate through it.

For more information on mobile-based authentication, the following articles can be read: Wu et al. (2004), Suoranta et al. (2012), Hallsteinsen and Jorstad (2007), and Alzomai et al. (2010).

Behavioral Biometrics

Behavioral biometrics are a sub-category among biometrics . These not only focus on recognizing physical characteristics of a person, such as their face or fingerprints, but their behavioral patterns as well . The following are some examples of
behavioral biometrics:

  • Voice Biometrics: users are recognized based on their speech. This behavioral biometric is easy to implement as most modern computers and mobile devices possess a microphone
  • Keystroke Biometrics: users are recognized by analyzing their typing patterns. This can also be expanded to how users move the computer’s pointer or, for mobile devices, how users touch the screen
  • Risk-based Authentication: contextual and historical information of users is used to recognize changes in users’ behavior. This way, if a user tries to sign into an application through a different computer or network, they will be further prompted to authenticate

Although they are usually user-friendly, behavioral biometrics have the drawback that they are often easy to replicate. For example, in the case of voice biometrics, a recording of the user’s voice could be used by a third person to authenticate.

For more information on behavioral biometrics, the following articles can be read: Das et al. (2016), Traore et al. (2014), Krause (2014) and Wang et al. (2012).

Other Authentication Factors

Although the knowledge, possession, and inherence factors are well known, there are other factors that have been proposed. One of them is authentication through someone you know. Authentication methods in this factor base themselves on the relations users have with other users: if user A is friends with user B in the case of social networking sites.

For more information on this factor, the following article can be read: Brainard et al . (2006) .

Another factor that has been proposed is that of “where you are,” which includes authentication methods based on the users’ geographic location. These methods make use of user-location gathering services, such as GPS, to validate that users are in the correct location for authenticating.

For more information on this factor, the following article can be read: Choi and Zage (2012).

Multi-Factor Authentication

As mentioned above, it is possible to combine two or more authentication methods belonging to different factors in order to increase an application’s security. This is known as multi-factor authentication. Any two or more authentication methods work for this, as long as they belong to different authentication factors. On the other hand, the combination of two or more authentication methods from the same factor is known as multi-modal authentication which, is often seen in biometrics but not the focus of this white paper.

Multi-factor authentication is more secure, as attackers have to break through all authentication methods in order to gain access to the legitimate user’s account. A drawback is that because users need to verify every authentication method, the authentication process takes longer.

For concrete examples of the different authentication method combinations, reference the following articles:

  • Combination of the Knowledge and Possession Factors: Yang et al. (2008) and Cao and Huang (2013)
  • Combination of the Knowledge and Inherence Factors: Kang et al. (2014) and Yu et al. (2008)
  • Combination of the Possession and Inherence Factors: Tang et al. (2013) and Clancy et al. (2003)
  • Combination of all three well-known factors: Zhang et al. (2015) and Yu et al. (2014)

Helping Developers With Their Decision-Making

Existing frameworks help developers compare and select the best authentication methods for their needs. In this section, the strengths and weaknesses of the most relevant methods will be covered.

The Quest to Replace Passwords: A Framework for Comparative Evaluation of Web Authentication Schemes

This is an evaluation framework that helps analyze authentication methods with regard to their usability, deployability, and security benefits. Multiple attempts have been made to replace text passwords as the de-facto authentication method but none have managed to surpass them, especially in usability.

A detailed analysis of multiple authentication methods was performed in order to determine if they failed to offer or completely or partially offered the same levels
of usability, deployability, and security. Although this framework adequately covers authentication methods, it does not go into depth on multi-factor authentication. Moreover, the framework evaluated selected implementations of each authentication method and not each method as a whole. Regardless, every analysis is detailed enough to allow developers to comfortably compare and select the best authentication method for their needs.

For more information regarding this framework, please reference Bonneau et al. (2012) .

A Criteria-Based Evaluation Framework for Authentication Schemes in IMS

This is an evaluation framework that aims to analyze authentication methods in IP Multimedia Systems (IMS). In order to accomplish this, three primary criteria are considered: security, user-friendliness, and simplicity. Three secondary criteria are considered as well: awareness, usability, and algorithms. Distinct qualitative and quantitative evaluations such as ISO guidelines and rankings from real users are performed on authentication methods based on these criteria.

Similar to the previous framework, this is only aimed at single-factor authentication methods. Only the framework for performing the evaluations is proposed, but no evaluation is performed.

For more information regarding this framework, the following article can be read: Eliasson et al. (2009) .

Kontun: A Framework for the Recommendation of Authentication Schemes and Methods

Nisum has been working in collaboration with the University of Bío-Bío on the creation of a recommendation framework that helps compare and select authentication methods.

This framework is called Kontun, which means “to enter a foreign property” as this is what authentication aims to prevent. It is in Mapudungun, the language spoken by Chile’s indigenous people.

The Kontun framework considers criteria related to security, usability, and costs. This enables them to recommend the most adequate single-factor and/or multi-factor authentication methods for the requirements given by the client .

A tool prototype has been developed to assist software developers using the Kontun framework. This prototype provides software developers with the option to configure the weights assigned to every criteria and context considered by the framework, in order to ensure the strongest authentication selection.

Unlike the previous frameworks, the Kontun framework considers multi-factor authentication and gives concrete answers for every software application based on its features.

There are three main steps for the Kontun framework‘s utilization:

  • Criteria Definition: the software development team’s representative (SDTR) selects an importance level for every criterion considered by the framework. These importance levels are based on the priority that should be given to each criterion for the current application that is being analyzed. Figure 3 shows a screenshot from the tool prototype of the cost-related criteria and their corresponding importance levels.
  • Context Selection: from the list of contexts the framework considers, the SDTR chooses the most appropriate application context for the current problem. If no context is adequate, a default option of “other context” is available as well. Figure 4 shows a screenshot from the tool prototype of the contexts considered by the framework.
  • Framework’s Recommendation: Finally, based on both the defined criteria and the selected context, the Kontun framework recommends the strongest aligned single-factor and/or multi-factor authentication methods for the application being considered by the SDTR. An example of this can be observed in Figure 5.
Topics: White Paper Technology Enablement Digital Digital White Paper
4 min read

Nisum VP Published in Total Retail, "Why Retailers Need to Invest in a Digital Transformation Strategy Today"

By Sajid Mohamedy on Sep 1, 2017 9:00:00 AM

In the Age of the Customer, organizations must create data-driven strategies to figure out what their customers want. In his Total Retail article, Nisum's Sajid Mohamedy explains, “Why Retailers Need to Invest in a Digital Transformation Strategy Today.” You can read the full text below or see the article on Total Retail here.

Topics: Media Coverage Technology Enablement