INDEX REPORT

Account Takeover Prevention in Banking 2026

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Liminal Insights Report

Link Index for CIAM in eCommerce 2026

Customer identity is the front door of digital commerce. See which platforms lead in secure onboarding, passwordless authentication, and unified identity data.

01/29/26

Report Overview

Customer identity is at the center of every eCommerce interaction, from account creation and login to checkout and account recovery. Yet, many organizations still rely on fragmented tools and inconsistent authentication flows that create friction for users and leave gaps for fraud. As digital commerce expands across devices, channels, and automated agents, the role of CIAM has shifted from a backend function to a critical layer of trust, conversion, and security.

Modern CIAM must do more than authenticate a user. It must streamline onboarding, reduce account abandonment, govern identity data, and adapt to new forms of interaction, including AI-driven customer activity. Nearly every practitioner we surveyed cites accuracy, automation, and data quality as top priorities, yet integration complexity continues to slow progress.

The 2026 Link Index for CIAM in eCommerce benchmarks the 15 platforms leading this shift. Liminal evaluated 99 vendors to identify those setting the standard for secure authentication, identity verification, and scalable governance.

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Key Takeways:

  • Identity verification drives selection: 99% of practitioners consider identity verification a critical CIAM capability, making it the top evaluation factor for vendors.
  • Onboarding friction impacts conversion: Drop-offs stem from excessive steps (51%), friction with phone or email checks (56%), and complex MFA or passwords (51%).
  • Data silos hinder personalization: Authentication logs (64%), transactions (63%), marketing data (54%), service interactions (50%), and consent records (41%) remain fragmented across systems.
  • Passwordless adoption accelerates: 99% expect to deploy passkeys or hardware tokens within two years, even as 84% cite integration challenges across applications.
  • AI agent activity is rising fast: 86% observe consumer-controlled AI agents performing commercial tasks, but 60% see compliance risk and 20% feel unprepared to govern access.

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INDEX REPORT

Link Index for Account Takeover Prevention in Banking 2026

Learn More