Mobile biometrics offer banks and other businesses a way to more effectively verify the identities of their new and existing customers. Mobile onboarding allows a prospective banking customer to open an account without visiting a branch. Biometrics make this identity proofing process more robust and secure. New customers can then use their biometrics in place of passwords for more secure and convenient mobile authentication. Facial recognition is a particularly useful biometric modality for mobile onboarding and authentication: ● Nearly all mobile devices have built-in cameras that support it. ● The user experience of capturing a “selfie” is exceptionally intuitive and [...]
The Future of Mobile Authentication: Multimodal Biometrics - The vast majority of modern authentication implementations strive to maximize both security and convenience; that is, to:
- Make it as difficult as possible for a fraudster to steal or spoof the rightful user’s authentication factors (e.g. device, password, token, biometric).
- Avoid interference with access to the protected asset or service for the rightful user.
- Dissuade the user from circumventing the intended security mechanisms.