This is the author’s version of a work that was accepted for publication in Pattern Recognition Letters. Changes resulting from the publishing process, such as peer review, editing, corrections, structural formatting, and other quality control mechanisms may not be reflected in this document. Changes may have been made to this work since it was submitted for publication. A definitive version was subsequently published in Pattern Recognition Letters 26.16 (2005): 2628 – 2639, DOI: 10.1016/j.patrec.2005.06.008 ; A novel adapted strategy for combining general and user-dependent knowledge at the decision-level in multimodal biometric authentication is presented. User- independent, user-dependent, and adapted fusion and decision schemes are com- pared by using a bimodal system based on ¯ngerprint and written signature. The adapted approach is shown to outperform the other strategies considered in this pa- per. Exploiting available information for training the fusion function is also shown to be better than using existing information for post-fusion trained decisions.