Banking at Your Fingertips

Technological Innovation

Technological Innovation

BZ WBK can identify its clients by their voice and their fingertips, ING Bank Śląski can do so by their writing whilst Eurobank is considering which biometric authentication method to implement. Biometrics has gained a foothold in Poland and seems set to continue its expansion. BPS was the first bank in Poland to install a biometric ATM and other cooperative banks have followed suit. Among commercial banks, BPH has equipped its own network with biometric readers and is now having them installed at its franchises. BZ WBK is running three biometric projects. The first will be launched in Lublin in spring 2015. BZ WBK will use the same technology as the cooperative banks and BPH, that is finger vein identification. The client will need to register the pattern of veins on a selected finger in the bank database. This will be recorded as a series of digits. Readers which are sensitive to blood flow will compare the blood vessel patterns with the registered sample. BZ WBK’s second project concerns voice identification and is aimed at shortening service time at call centres. Subsequently, it will also be used in mobile applications. The third pilot project covers the installation of finger vein readers at ATMs. Eurobank has announced a tender for biometric technology providers. The bank wants to discover what suppliers can offer. Palm vein identification could be an option, but the bank is determined not to use retina or iris recognition on the grounds that the fairly conservative Polish market would be unlikely to accept this method. ING Bank Śląski would like to shift its operations towards paperless transactions by exploiting the potential of a biotechnological signature, which captures such characteristics as the pressure applied while writing, the speed of writing, letter shapes and many more individual features. A new MasterCard card with authorisation based on the owner’s fingerprint instead of a PIN code is to be introduced in Poland in 2015. At present, identification based on remembering a specific number or password predominates, but biometric identifiers may soon become standard in banking in Poland.
Puls Biznesu

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