How LoginRadius CIAM Enhances Developer Experience: 5 Key Benefits

1. WHITE PAPER CIAM for Developer: 5 Benefits of Using the LoginRadius Identity Platform

2. Table of Contents Executive Summary � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 3 What Is CIAM and Why Is It Important for Developers � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 4 10 Common Data Security Threats Encountered by Developers � � � � � � � � � � � � � � � � � � � � � � � � � � � 5 The Exponential Development of Cloud Identity Management � � � � � � � � � � � � � � � � � � � � � � � � � � � � 9 5 Ways Modern CIAM Offers Value to Developers� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �11 1� Innovative building blocks allow doing more with lesser code� � � � � � � � � � � � � � � � � � � � � � � � �11 2. Diminishing maintenance involvement frees up time for significant projects � � � � � � � � � � � � � � 12 3� Enterprise-grade competence, resources, and abilities assist in avoiding hidden costs � � � � � � � 13 4� Enable customer data storage with higher security levels� � � � � � � � � � � � � � � � � � � � � � � � � � 14 5� Facilitates scalability in the longer run � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 14 Developers Can Secure Their Application Software Using LoginRadius’ CIAM Solution � � � � � � � � � � � � 15 Advanced and modern frictionless security � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 15 Strong and robust privacy management � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 16 Integration with APIs � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 16 Data access control and aggregation process � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �17 Security compliance� � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � �17 Consumer analytics � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 18 Scalability while higher demands � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 18 Enhanced consumer experience � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 18 Conclusion � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � � 20

3. Executive Summary Development and IT teams are usually under constant pressure to effectively build digital experiences that revolutionize the industry or differentiate business operations. And this is a challenging task to achieve, mostly because it has to fulfill the requirements of both the parties involved – the executives and end-users� This scenario has reached a bigger magnitude today, owing to recent consumer experience (CX) expectations, which are highly composite, including the involvement of business brands, applications, tools, users, geography, and legislation on privacy� Consumer Identity and Access Management (CIAM), a sub-category of IAM, facilitate organizations' scalability, security, and flawless digital experiences for their customers while gathering and handling customer identity data decisively� Prevailing CIAM solutions offer significant functionalities, including consumer registration, account verification, self-service account management, and social logins� It further enables consent management, single sign-on (SSO), adaptive authentication, and multi-factor authentication (MFA)� Such CIAM solutions will allow great scalability and performance across multiple consumer interaction channels like mobile and web� A boost in venture capital funding and increasing investments in related technologies will steer the growth of customer identity and access management� The CIAM market is forecasted to grow from USD 7�6 Billion in 2020 to the USD 15�3 Billion by 2025, at a CAGR of around 15.1%� This whitepaper will help you discover the five benefits of CIAM and the technology required to back and support the functionalities of a perfect CIAM solution� © LoginRadius Inc. | Confidential Information 3

4. What Is CIAM and Why Is It Important for Developers Consumer Identity and Access Management (CIAM) is a software solution for digital identity management that integrates login verification with consumer data storage. CIAM seeks to enhance the sign-up and login experience of the consumer while securely managing their identities� A CIAM solution can improve security, enhance consumer data collation, and provide critical data to the marketing and sales departments from a business viewpoint� Developers go through Identity and Access Management (IAM) at a certain point� They work with Consumer Identity and Access Management (CIAM) to be more accurate, principally aligned with external customers rather than internal staff� For instance, as a developer, you might have to: • Create a new user registration workflow. • Configure social login or a mobile authenticator. • Facilitate multi-factor authentication • Attach service to a partner's application� © LoginRadius Inc. | Confidential Information 4

5. 10 Common Data Security Threats Encountered by Developers Data security has a significant impact on your business growth and maturity. Data breaches cost enterprises millions in fines and revenue losses. For instance, the annual cost of cybercrime damages was forecasted to reach $5 trillion by 2020, and CyberSecurity expenditures are likely to hit $1 trillion by 2024� For safeguarding an organization and sustaining customer reliance, advanced data security measures are needed for the below-discussed and ever-evolving security threats� © LoginRadius Inc. | Confidential Information 5

6. 1. Privilege Escalation A privilege escalation occurs when an attacker utilizes weaknesses within a system to gain access to unofficial actions. It has two categories. • Horizontal privilege escalation occurs when someone utilizes an account that belongs to someone else and misuses it� • Vertical privilege escalation occurs when someone uses an active account that has been compromised, which can be a common user account� Later on, it obtains additional authority, like those of an administrator, and misuses the access rights� 2. Virus A virus is a computerized program that replicates and infects other connected computers� Viruses are multiplied and transmitted across networks or through USB drives and portable media� 3. Worm A worm is a category of a virus, and its aim is not to alter system files like other viruses but to replicate them multiple times so that it takes over the hard disk memory. Worm victims will usually find their computers running sluggishly or experience crashing� 4. Trojan Trojans are programs that act as normal, safe applications; however, their objective is to enable a hacker to get remote access to your devices and computers� With this effect, the infected computer can be utilized as a part of a service attack denial, and data theft can happen. A nasty Trojan is a logger that can be applied to capture confidential passwords, debit or credit card numbers, and other important details. © LoginRadius Inc. | Confidential Information 6

7. 5. Spyware A Spyware attacks a computer through software downloads such as shareware and freeware downloads, along with peer-to-peer file sharing as source points. Spyware can steal confidential information; however, it is regularly applied as advertising tools. The objective is to collect a user's data by tracking online activities and further transmit that detail to attackers� 6. Spam Many professionals consider spam as a disturbance or annoyance rather than a severe threat� However, legislation such as the CAN-SPAM Act has been authorized to combat the issue. Spam majorly occurs in unsolicited junk mail, which appears as an advertisement and leads to wasting of time and consumes network bandwidth� 7. Adware Adware is similar to spyware as it is utilized to view and monitor a user's online browsing habits. The objective of Adware is to find the category of advertisement a user may be most likely to watch, explore, or engage through his schedule� It automatedly generates target-specific advertisements for revenue generation. It is majorly directed at individuals rather than firms and is at times completely undesirable, as it tracks, records, and uses your internet activities insights for marketing and promotional purposes� © LoginRadius Inc. | Confidential Information 7

8. 8. Rootkits Rootkits are tough to identify and detect as they are created to conceal their presence from the system or computer owner� They are quickly activated when your system boots up even before the anti-virus software is initiated and offer administrative access to a remote or unauthorized user� They are used to allow the installation of files and accounts for intercepting confidential information. 9. Botnets A botnet is a group of devices or computers that have been synced to run specific functionalities. A botnet is not always a negative entity; however, it is often used for criminal outcomes, making it another major information security threat to be aware of� 10. Logic Bomb Logic bombs are identical to viruses in some ways as they can perform nasty actions such as deleting files and corrupting data sets. The degree of damage caused by a logic bomb will vary greatly, and there is no limit to the conditions one can set� Popular malicious acts that logic bombs can perform include data corruption, file deletion, or clearing of hard drives� © LoginRadius Inc. | Confidential Information 8

9. The Exponential Development of Cloud Identity Management CIAM is an extensively acknowledged best practice in cloud environments, as without identity enablement - there is no practical way to look after resources� With cloud technology, resources can be broadly distributed in the form of services, storage, and computation� That is why there is no solitary piece of software that can safeguard the diverse systems centrally� So CIAM is a practical approach to generate authentication gates and is used to distribute protection across all dispersed resources� Let's explore some CIAM instances� © LoginRadius Inc. | Confidential Information 9

10. CIAM Usages Identity Providers Involved Parties Present Recommended These details can be Social Media Companies Retailers, hotels & Indirectly invite users used for marketing Travel agencies to publish their ideas and promotional and social habits, offers� But it can also which can be analyzed be used by insurance for business objectives. companies who may For instance, an be concerned about individual shows the participation they regularly have of an individual or a vacations in Dubai in family in a sport that a particular hotel or involves risk� resort and enjoy water skiing� It involves the Data Information All enterprises Frequently perform consistent Services credit checks on monitoring of businesses and partners, suppliers, individuals� and consumers by enterprises� If disclosed, it can Healthcare Providers Finance and insurance Maintain medical be used by finance companies records that offer companies to enable sensitive information� insurance premiums� © LoginRadius Inc. | Confidential Information 10

11. 5 Ways Modern CIAM Offers Value to Developers 1. Innovative building blocks allow doing more with lesser code Customized coding slows down product innovation and augments ownership costs in the long run� So, it is a better practice to write a few code lines when it comes to your identity stack� However, most consumer identity platforms need some amount of personalized coding to facilitate applications� Do keep in mind that if more code is used, the risk of an unplanned vulnerability will be higher, the developer performance will be lower, and the time-to-market will be slow� By using an advanced CIAM platform like LoginRadius for authorization, authentication, and user handlings, developers can reduce the amount of code, efforts, and time required to execute tasks� However, enabling developers for multiple authentication tasks takes their time and focus away from value-addition to the projects at hand. Hence, the value of a low- code third-party identity platform improves as your CX projects increase and better enablement of the below functions� • Increased password storage, security, and user directories� • Boost in profiles, groups, and administration interfaces. • Registration, sign-in, and account recovery workflows. • Provisioning and MFA factor support� • Security monitoring and compliance reporting� • Backing DevOps requirements for high accessibility� • Help desk support for account problems and new challenges� © LoginRadius Inc. | Confidential Information 11

12. 2. Diminishing maintenance involvement frees up time for significant projects Though you save time and effort in primary project stages with a development- loaded consumer identity platform, developers still require improving, sustaining, and securing identity elements in a limited period� This regularly involves unintended and unplanned tasks� For instance, developers might face tasks to improve a project's login flows, so they boost protection at a precise time to reduce user friction� Developers may even require to set up methods to share user data internally, back and support compliance, reporting, IT, help desk, and facilitate multiple consumer requests� Each of the above tasks involves identity-specific code that needs to be self- maintained with its detailed audits, troubleshooting, and redeployments� That's a step ahead of your regular code handling and deployment procedures� In contrast, low-code platforms offer rules templates that are straightforward, configurable, and even used by non-technology professionals. So, developers won't have to waste valuable time in such scenarios� Additionally, unanticipated identity and security requirements might crop up if your original developers leave the organization or move on to other projects. This shouldn't be when there is the provision of low-code technology platforms and allotment of dashboards to non-technical executives to manage such technical and semi-technical functionalities� © LoginRadius Inc. | Confidential Information 12

13. 3. Enterprise-grade competence, resources, and abilities assist in avoiding hidden costs All of the cumulated developer ineffectiveness can be an immense drain on the team's inadequate resources� One needs to be aware that even a single line of bad code can amplify the overall risks, and don't forget that the costs of a data breach are extremely harsh� In 2019, 205,280 companies submitted files that had been hacked through a ransomware attack, which is a 41% increase from 2018� Apart from the far-reaching technical cost of remediating a breach, around 70% of customers discard business dealings with a company that experiences a data breach, leading to a major revenue impact� A proven platform like LoginRadius that backs enterprise demands for security, availability, and scalability can alleviate these issues and boost ROI in the long run� So, select a solution platform that offers capabilities to implement safe engineering practices� And don't forget the opportunity cost of redirecting the focus from enhancing CX's other prime components to identity tasks� For instance, if an enterprise is working on a project that's likely to bring in $100,000 in revenue every month� If it is postponed by six months because of resource restraints, it can mean about $600,000 of lost prospective revenue to the business� In the interim, a competitor who launched previously might already be in the marketplace, negatively impacting the business scenarios� © LoginRadius Inc. | Confidential Information 13

14. 4. Enable customer data storage with higher security levels Consumer identity and access management (CIAM) is a digital identity management solution for businesses, blends login verification and consumer data storage. LoginRadius CIAM aims to enhance consumers' sign-up and login experiences while securely handling consumer-based identities� The solution also assists with a centralized consumer database that connects all other applications and services to deliver a highly secure and flawless consumer experience. 5. Facilitates scalability in the longer run Identity is the keystone of the present consumer experience scenario� A practical, scalable CIAM solution enables the safe management of both consumer identity and access� LoginRadius' admin-friendly UI impeccably implements identity management and balances the skill-sets of developers� As a result, it can drastically trim down the developer's efforts and quickly scale the functionalities in the long term� For instance, it can be made effortless, even with multiple users, to control who signed in to a specific site, how they can execute their tasks, and what they can access once they have securely signed in� © LoginRadius Inc. | Confidential Information 14

15. Developers Can Secure Their Application Software Using LoginRadius’ CIAM Solution Consumer identity management goes beyond merely repurposing IAM for customers� The CIAM's scalability, scope, and customer focus facilitate us to go far ahead of straightforward privacy management, access verification, and emerge as an integral part of digital transformation processes� Here are the components you require to include if you want to enable a precise CIAM platform like LoginRadius' CIAM solution to meet an organization's needs now and in the future� Advanced and modern frictionless security The original purpose behind CIAM will always be the need to securely enable access, with many of its modern functions evolving from this vital starting point� Going a step beyond conventional access methods, an advanced and modern customer identity management solution should facilitate frictionless security� By allowing flawless authentication amid people, systems, and things, CIAM can offer low- friction access for all, even while highly secure and safe� Frictionless security means effortless and simple-to-use security functionalities� With LoginRadius, consumers are delivered a brilliantly integrated access solution that works highly efficiently and effectively. © LoginRadius Inc. | Confidential Information 15

16. Strong and robust privacy management Compliance with local data protection laws can be an unpleasant task, particularly given their continuous evolution� A superior consumer identity platform should allow you to keep up with local laws anywhere across the globe, wherever you operate your business� With country-specific control on storing and managing personal data, an enterprise always meets legal requirements, saving their compliance management costs every year� These aren't the only probable costs you can save - legal fees can run high when privacy management meets failures� By enabling customers with effortlessly self- managed privacy preferences and a strong privacy policy, you can prove that their data is secure and safe� It even shows the client that your company is competent and proficient in managing these types of issues. This reputation will even strengthen customer loyalty in the long term� Integration with APIs A precise CIAM platform requires being able to incorporate and integrate more than merely people. There are multiple identity-filled business procedures and best practices, and in the future, the number of these is only set to increase� An organized consumer identity solution links all native and third-party applications that deal with consumer data� APIs allow you to integrate systems that necessitate working mutually across providers swiftly� Hence, the APIs accessible from your CIAM provider require working with all systems that can be advantageous from CIAM integration� To make the most of consumer identity and access management solutions for an enterprise, it requires integrating impeccably with the company's CRM, CMS, Business Intelligence (BI), Data Analytics, and marketing automation systems� The enterprise also needs to know that their service provider has enough capacity to build valuable APIs to let them take advantage of the new technology as it comes up digitally� For instance, social networks are always altering their APIs� However, LoginRadius keeps such APIs updated, ensuring that the clients and their consumers are not impacted� © LoginRadius Inc. | Confidential Information 16

17. Data access control and aggregation process Consumer data requires to be securely safeguarded at all times, yet at the same time, be accessible to those who should utilize it� An effective CIAM solution like LoginRadius will let you build schemas agreeably so that an enterprise can derive maximum benefits from their systems. Without helpful data access control, data governance is ineffective� So an enterprise must know these prerequisites: • Where did the data sets come from • Where should they be matched and synchronized • Who should have the access and rights to use and alter them These things require being handled and managed across future system upgrades without missing anything involved in the scenarios or disturbing schemas that are already working well� Security compliance The CIAM platform of an enterprise must meet compliance requirements worldwide, even though many of these requests are constantly altering and evolving� Here is what your CIAM platform requires you to do: • Provide redundancy practices for safeguarding data in transit and even at rest • Store and handle access to all the customer data • Enable multi-factor and improved authorization • Be recurrently certified by third party security standards such as SOC 2, HIPAA, and ISO� • Meet industry and location-specific requirements wherever the businesses of the company are operated An enterprise company must ensure that they aren't wasting time, effort, and money on security compliance and utilizing an upgraded cloud CIAM system like LoginRadius� © LoginRadius Inc. | Confidential Information 17

18. Consumer analytics An advanced and updated CIAM solution offers capabilities to tie in consumer analytics, offering the company an in-depth and better understanding of their consumers� Here's what this data can be utilized for: • Monitoring, tracking, and enhancing the consumer experience� • Feeding information back to development teams� • Improving sales and marketing functionalities� • Providing targeted content successfully� LoginRadius CIAM can be further utilized to fetch and store many diverse data points, feeding these data sets back to the other systems for more use� Scalability while higher demands An enterprise CIAM solution should be highly scalable and swift to meet unpredicted demand without any issue� Enterprise users shouldn't have to be anxious that an event might impact the seamless operations of their account features� Enhanced consumer experience An enterprise CIAM platform needs to make the customer experience better at every level and in every possible way� A compact preliminary entry threshold that enables social login or password-less login is merely the initiation� Superior analytics, effectual self-service preferences, and integration with customer-facing functionalities need to work correctly to enhance the approach customers use to access the systems� The storing of all the details about every customer in the same place, which includes its data, analytics, choices, and purchase history, further makes it effortless for staff members to deal with different consumer accounts� © LoginRadius Inc. | Confidential Information 18

19. Here are the mainstay capabilities of LoginRadius identity management for developers • Low-friction registration: LoginRadius provides supple account setup preferences such as standard login, social login, and self-serve registration for trouble-free entry into the web properties� • Multi-factor authentication (MFA): LoginRadius provides identity management for developers by making it simpler to protect consumer data with additional safety layers� The CIAM provider allows several authentication methods, including calls or SMS Passcode, text messages, email verification process, security questions, time-based code, hardware token, biometrics, Google Authenticator, tailored workflows, and more, every time users want to access their accounts� • Single Sign-On (SSO): SSO delivers effortless access to numerous website portals or applications, utilizing a single set of credentials� LoginRadius provides diverse approaches to incorporate through the web, mobile, and federated SSO� The developers can build connections with exterior identity providers by enabling OAuth 2.0, Security Assertion Markup Language (SAML), or OpenID Connect standards� • Compliance enablement: The developers can easily add authorization policies with LoginRadius� The CIAM provider is completely compliant with formal data safeguarding and protection regulations worldwide, such as the EU's GDPR and California's CCPA� • Data privacy and security: LoginRadius follows security protocols to uphold consumer data and shun illicit intrusions� The identity provider is highly compliant with different regulatory bodies such as AICPA SOC 2, ISAE 3000, Privacy Shield, Cloud Security Alliance, and many more� © LoginRadius Inc. | Confidential Information 19

20. Conclusion CIAM is a core enterprise capability that will further authorize developers to constantly adapt to new consumer and business demands� When architecting and building a CIAM system, an organization must not overlook the five benefits as discussed above� Without leveraging these benefits, building a CIAM solution that enables hyper- connected consumer expectations and demands will be challenging� LoginRadius offers an effective platform to create an all-inclusive CIAM solution with its identity and access management, API management, integration, and streaming analytics abilities� Finally, by delivering extensive features and functionality right on a cloud- native platform, LoginRadius enables greater agility for the precise development and deployment of a perfect CIAM solution� © LoginRadius Inc. | Confidential Information 20

21. LoginRadius is a leading provider of cloud-based Customer Identity and Access Management solutions for mid-to-large sized companies� The LoginRadius solution serves over 3,000 businesses with a monthly reach of over 1 billion users worldwide� ©Copyright, LoginRadius Inc. All Rights Reserved.