Biometrics are physical characteristics or biological measurements, which can be used to identify people. The most common examples are fingerprints, walking, and the face; all these biometric characteristics are unique to each individual and are used very frequently to identify people.
Advantages of biometric data
There are many advantages that biometric data and systems offer; perhaps the most significant is that they do not require “memorizing” any password or using physical documents (which can be easily forged). Another important advantage is the “neutralization” of people with more than one identification (a system widely used by criminals to evade controls and justice). On the other hand, thanks to biometric data, the presence of many workers is not necessary for its operation, since thanks to its automated systems, these tasks can be carried out with some personnel, which allows numerous people to be analyzed (in a relatively short time) streamlining processes considerably.
The case of traditional banking
Many people come to the bank offices to solve problems that cannot be addressed by telephone or digital means; these people come from different towns and cities. Generally, these people are asked for an identity document to identify them and then proceed to their definitive attention, in other cases, they are asked to enter a password on a public keyboard or point of sale, the disadvantage of this system is that many Sometimes you must interact with these documents, identifications or public keyboards (which does not help sanitary measures against Covid).
On the other hand, using biometric data prevents the person and the employees from having to touch certain elements such as identity cards, identification cards, keyboards, cards, etc. (improving security measures against Covid) and streamlining procedures generating less inconvenience to the client.
The case for digital banking
Although in digital banking, it is not necessary to exchange documents or interact with public keyboards, the problem of this system that depends a lot on a mobile device or card, which, in the case of being stolen or lost, can be easily used by others, unscrupulous people. With biometric data, it is possible to prevent another person from using the digital banking system (despite having access to the mobile device or card); in this way, a “second layer of security” is added, which allows users to protect their bank accounts or assets safely and effectively.
Different methods and systems
The use of biometric information is increasingly important and will gradually replace conventional procedures or classic passwords. In the biometric procedure, personal characteristics of each human being are recognized, for example, fingerprints, the face, the retina, or the iris, and there are even systems that use infrared scanners to identify certain subcutaneous characteristics of the person (such as the veins of the hand) using specialized software. These systems are already being implemented in many parts of the world; these systems are widely used in online banking in the financial and banking sector.
At present, different modes of identification are still being tested, such as heart rhythms or brain waves, which would give greater precision in identification soon. These methodologies continue to advance daily, especially due to the great benefits they mean (at the security level) for companies and end-users.
How secure is biometric identification?
What must be taken into account is that a biometric identification system is more precise and secure if it has more sensors and modern software since new tools and programs are coming out on the market every day, which may have a high initial cost. Still, as time passes, their prices go down, and they become more accessible. At this point, the important thing is to have a quality system adjusted to the budget of each company, business, entity, or organization.
Another factor that improves security has multifactorial systems, that is, using more than two biometric characteristics, such as fingerprints + the face or the way of walking + the face. The more systems are used, the level of reliability and security of the system will increase; it is important to remember that the procedures that will prevail in the future will be the “least invasive” or those that cause the least inconvenience to the people who use them.
What do you think about this topic? Do you think biometric identification is safe?
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