• HeartyBeast@kbin.social
    1·
    1 year ago

    But how did they authenticate your identity when you opened the account? I’d not trying to be an arse - but at some point it will likely have come back to matching some official photo id against your face.

    • DamageEnglish
      1·
      1 year ago

      It’s not like the bank KEEPS your ID

    • Hotzilla@sopuli.xyzEnglish
      1·
      1 year ago

      They once identify you from your driver’s license, government id card or passport. After that you for example link your smart phone to you, and you use their app when you identify.

      You can also use mobile carriers, they send a push notification directly to you phone+sim. Not sure what protocol they use here, because it opens up an UI which is plain android, and asks pin.

      Everything relays on chain of trust that since one service has identified you, the next can trust too. Plus there is MFA to verify that you actually made the identification request.

      • HeartyBeast@kbin.social
        2·
        1 year ago

        The initial argument was ‘sending is to anyone is insane’ but that’s what you do with the bank. Yes it’s only once - but that’s the same as the other systems we are taking about here.

        • Hotzilla@sopuli.xyzEnglish
          1·
          1 year ago

          They don’t accept it remote, only face-to-face. I have done it once, 15 years ago. Face-to-face is actually only way to do it to avoid identity theft.

                • Hotzilla@sopuli.xyzEnglish
                  1·
                  1 year ago

                  The other bank and other mobile provider identifies you through the another one. I am able to identify through two different banks and mobile provider, and have not in 15 years done it onprem. I do strong digital authentication generally once or twice a week.

                  Edit: last time was actually when I took house mortgage 13 years ago, and switched bank. Not really a issue to show ID onprem when talking 200k€.

                  • HeartyBeast@kbin.social
                    1·
                    1 year ago

                    So, to be clear - if you ever need to renew government documentation or get access to government systems (benefits or taxes), the government doesn’t ask to see government ID - it outsources that to bank procedures from n years ago?