More than 70 Bank offices in the Irkutsk region are already working in the Unified Biometric System, which allows receiving services of bank remotely.
Recall that remote identification was launched in Russia in mid-2018. Clients just need to confirm their identity using biometric data – face images and voice recording.
According to the employer of the Irkutsk Branch of the Bank of Russia, clients need to come to the office once with a passport in order to register in the system. This procedure takes less than 1 minute. Today, 71 Bank offices work with such technologies in the Irkutsk region. Siberian residents can do the identification procedure in the biometric system in 687 branches of 57 banks.
Citizens have access to services of opening an account, obtaining a loan and transferring funds. These services can be obtained by phone, without a personal visit to the office of the Bank. The number of services will expand in the future. In addition, soon insurance companies will also recognize citizens by biometric data.
The new system has significantly reduced the number of Bank frauds. Thus, according to the Pochta Bank, the credit institution managed to block about five thousand fraud attempts in the last year through the biometric identification of clients.
Svetlana Ozeretskovskaya, the Head of Promotion of the Unified Biometric System project, stressed that “all biometric data is encrypted. It is almost impossible to restore them. This reduces the risk of compromise and does not allow attackers to take advantage of the data, even if some kind of leak occurs”.
Meanwhile, cybersecurity specialists still see some weaknesses in the system. For example, Trojans in mobile applications or social networks can intercept biometric. But the authors of the biometric identification system are sure that even if your data gets to the criminals, the system will still calculate the fraud. According to the company Rostelecom, the probability of incorrect recognition of the client is 1 per 10 million. Moreover, the system will distinguish even twins from each other.