Apply Bayes Theorem to Optimize IVR Authentication Process
Jingrong Xie, Yumin Li
Published: 2025/9/30
Abstract
This paper introduces a Bayesian approach to improve Interactive Voice Response (IVR) authentication processes used by financial institutions. Traditional IVR systems authenticate users through a static sequence of credentials, assuming uniform effectiveness among them. However, fraudsters exploit this predictability, selectively bypassing strong credentials. This study applies Bayes' Theorem and conditional probability modeling to evaluate fraud risk dynamically and adapt credential verification paths.