Biometrics
Introducing biometrics
The use of fingerprint, voice and face recognition technology in mobile banking or biometric signature verification is currently an alternative to passwords that has already been implemented by a number of institutions because of the increasing use of mobile banking applications and the rapid changes in customer demand.
A number of implementations for the use of biometrics to authenticate customers have been witnessed, such as (among others):
- Authentication based on customer’s fingerprint: In practice, with the use of a fingerprint scanner, the details of the fingerprint are captured as a digital image, which is then analysed and turned into a code to authenticate the customer.
- Authentication through voice recognition: The customer has to contact the institution to record a voice sample for the use of voice recognition software. Consequently, the customer can be authenticated based on his or her voice and may request information or carry out financial transactions.
- Authentication of customers and authorisation of transactions through biometric signature verification: Signature pads capture the signature image, the writing dynamics and the pressure applied, to increase the reliability of authentication. Applications may include signing documents for opening new accounts, credit and loan applications, and deposit and withdrawal slips
- ATMs using facial recognition: ATMs may use facial recognition as an additional authentication factor (besides the customer’s card and PIN or mobile device, for example) in high-value transactions. The customer is asked to perform a facial scan during the account setup. If the scan matches the customer’s pre-recorded image, the ATM executes the high-value transaction.
Contents:
-
I. Legislation
NBS Opinion of 18 December 2018 on remote identification
GDPR Regulation (defines biometric data)