БІОМЕТРИЧНЕ МАЙБУТНЄ АВТЕНТИФІКАЦІЇ КОРИСТУВАЧІВ ФІНАНСОВИХ ПОСЛУГ

Abstract

The article discusses biometric technologies, which allow not only to ensure the proper level of security of financial transactions, but also to speed up the process of customer service both in traditional branches and through remote service channels. A few years ago, in order to attract new customers, it was enough for banks to offer them cheaper products and services. Today the situation is rapidly changing, users prefer convenience and reliability. The most common types of biometric data used in the financial sector include facial image, fingerprints, hand geometry and iris pattern. This data can be used to identify customers in online banking, to provide access to financial services on self-service devices and at bank branches, and to gain access to safe deposit boxes. The most popular in the banking sector is two-factor authentication using a PIN code or one-time password and biometrics, which ensures the highest level of data security and access control. The problem of internal fraud and unauthorized access to data through employee accounts is relevant for financial institutions around the world. Also biometrics is able to play an increasingly important role in the global fight against different forms of terrorism, namely in countering fraud, identity theft and other criminal offenses committed by terrorists in order to support their activities. Banks are looking for solutions that can protect their internal data infrastructure and are increasingly opting for biometric technologies. However, of course, biometric technologies’ usage can have more advantages than risks of using. The use of biometric technologies for employee authorization ensures the necessary level of data security and access control to sensitive information, and also provides enough opportunities for monitoring the work of employees of a financial institution. One of the most reliable means of user authentication is biometrics. Biometric data cannot be tampered with, stolen or otherwise used without the knowledge of the bearer. The use of biometric data for authentication on self-service devices provides a high level of security and reduces the time of the transaction, relieves users of the need to carry payment means with them, remember passwords or a PIN code from a card, etc.