By now, the vast majority of payment gateways have implemented fraud prevention software like Kount. Contracting the solution directly and doing it faster and cheaper than other solutions on the market makes sense if you have several stores and/or sales.
OAM is designed to be scalable, and it can handle large-scale deployments with thousands of users and applications. It provides a centralized framework for managing access to web applications and resources, enabling organizations to define and enforce security policies across their entire IT environment. OAM offers a range of authentication and authorization mechanisms, including multi-factor authentication and OAuth-based authentication, making it suitable for organizations that need to meet different security and compliance requirements.
Oracle Access Management allows superior session management capabilities. It can maintain and terminate session states using access engine and endpoint cookies or security tokens.
It allows for automated single sign-on as well as protocol translation.
The suite allows for real-time fraud detection and prevention capabilities. This is especially useful where our applications are accessed by tens of thousands of users simultaneously.
It's a lot of data to digest (not a bad thing!), so any way they can break it up into more concise/digestible bits, I would personally find beneficial.
The product could be improved by simplifying changing the master password. That is, if you change a password in one place, it would be good to automate changing the password for all the gateways so that change is less complicated.
It should be more Customizable for Customer Specific needs.
Oracle Access Management connects well with Oracle Database but doesn't work smoothly with Microsoft AD.
Kount is cheaper and less complex to integrate than other options. However, that ease comes with reduced accuracy. The other option we have chosen was much more complex to integrate, but also has way more accuracy in determining actual fraudulent transactions. This can be verified by a reduced number of calls to customer care.
Both are great products. From a technical point of view Oracle Access Management implementation is relatively simple due to the possibility to adjust the functionality and appearance of the system to the customer's needs. SAP is a robust product but not user friendly and more expensive. Overall cost and product functionality was what drove us to implement Oracle Access Management.
Positive Impact - It's allowed us to scale our business and remove extra steps from our team members to review transactions. We utilize Kount's automated transaction [decision making] to keep our order processing moving.
