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With "fingerprints" ATMs and affiliates, banks are trying to reduce the use of keys – 25.04.2019



Do not forget to carry the card to get cash from the ATM. Remember there the PIN code and the letter letter. Save another password to enter home banking or to the app, plus the username. Add the token number to it, which confirms the transfers and phone code. And if you need to go to the bank to open an account, remember DNI and the service bill.

Many of these banks' requirements designed to ensure that the client is the one he claims to be and prevents frauds are multiplying, as well as the headaches that happen when they are forgotten. But now they began to lose ground. And the pledge of the financial sector is that soon passwords will be replaced – and they will be replaced – by technologies "Biometric" that verify the person's identity by the unique features of his body that no one can steal, imitate or forgetMain footprint, face, iris and timbre of the voice.

Biometrics in banks. Enroll person's features in the Supervielle application.

Biometrics in banks. Enroll person's features in the Supervielle application.

This phenomenon is growing in the country and will have a big expansion this year, as it managed to check hunting horn Following consultations with a dozen large banks and the two largest interbank networks that are largely developed and putting these technologies at the disposal of businesses, they can apply them to their mobile platforms, ATMs, self-service machines, desks and more. ,

Sign in to the application with pebbles or fingerprints

In several banks, for example, access to mobile banking no longer requires a username or password, but it can be done, in less than a second, directing the camera to the face, or placing your finger on the fingerprint reader of the smartphone.

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The pioneer in launching face recognition in his application was ICBC in June 2017. Recently, several more were added. This is the case with Macro that has enabled your fingerprint or face entry in October. "He had a good reception. The good thing about biometrics is that it allows us to facilitate a client's life with a high level of security. Now the man himself is the key"Graph by Milagro Medrano, Manager of Institutional Relations and Customer Service."

Patagonia also included the "sign-in" entry of a few months ago and said "it generates significant growth in the use of the app." Meanwhile, Supervielle has announced this month that it has added to its mobile banking a system to enter its face Eyelid surgery (eye biometry)While banks like the mortgage, the province and BBVA have confirmed hunting horn who are working to make similar releases soon.

Biometrics in banks. Fingerprint input in the Macros application.

Biometrics in banks. Fingerprint input in the Macros application.

For users ofmobile wallet"All PEI payments, on the other hand, the digital fingerprint entry is already available and in the case of its big competitor, Vale PEI, will be added recognition of a person this year, which means that for small payments in stores or between people will have fewer keys between them.

ATMs without a card

When it comes to going to the ATM, biometrics also begins to change everyday life. And in this case, the key is to include finger readers which allow all types of operations to be performed without inserting a debit card or entering access codes.

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Red Link, who installed the first biometric ATM in 2017, already has 1482 machines with fingerprint readers between 9,300 devices that connect in the country. As detailed, 39% are in the National Bank, and the rest in different provincial banks. All of them, they say, allow retirees and pensioners to take money and demonstrate "survival" or "faith of life" only with their finger. And in 23% of cases, they also allow any customer who has "recorded" their fingerprints to work without a card. "Everyone uses about 30 different passwords, so in order to be able to replace some of the footprint or face is a great improvement, "emphasizes Jorge Larravide, Link Sales Manager.

In the other large network, Banelco, they say they are also advancing in "DNI and fingerprint identification" at ATMs and the goal is to make it "massive". So far they do a pilot test with three banks, only for pensioners. The macros, for example, works with two machines. In December, Commafe empowered them so that older people work with their footprint "saved in ANSES" and an "online validation service" with this organization. "This allows them to work more simply. The test gives very interesting results, "they stressed.

Biometrics in banks. Self-service machines with fingerprint readers at the first "smart" branch of ICBC in Puerto Madero.

Biometrics in banks. Self-service machines with fingerprint readers at the first "smart" branch of ICBC in Puerto Madero.

"The timing of deploying this technology depends on banks' adequacy plans to include readers at ATMs," they explain in Banelco.

Hire a 100% remote

Another great use of biometric data is to avoid face-to-face procedures or to make them more flexible. In this way, many banks now allow everyone to become a client, from the mobile phone, without ever entering a branch, only to make a sniff and picture of DNI, are validated online in the National People's Register (Renaper).

Banco Hipotecario, for example, launches a platform of this type called Búhobank this year, which allows us to get an account, ask for credit cards and even credits. And so far in April, it is estimated that 31% of sales have already been made from this channel, with remarkable success among people under 40 years of age. "It's complete in 8 minutes and the card is received by mail, "says Guillermo Mansilla, Retail Banking Manager.

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In Itaú this process, known as "on board digital "arrived in December. The "Macro" has been since the beginning of the year. Meanwhile, City Bank has launched a biometric system that allows E-commerce Tienda Ciudad, in the middle of the online purchase, people can become customers by asking for a credit card that will allow them to pay for the same consumption.

More flexible procedures in the branches

Finally, biometric data was also used in the branches accelerating public attention and avoiding manually filling in forms,

Maximiliano Ureta, Santander Río's Digital Transformation Manager, said in October they began to validate their fingerprint capture to offer "100% digital recruitment experience." – Signed in a digital block, without documents, without papers, in just three minutes.

In Galicia, in this line, last year they added biometric data to the customer registration process at the branches and say they have achieved this remove "full use of forms", which reduces processing time. "This is a much more stable and accurate form of authentication, because it uses unique and inimitable features of the human, unlike passwords that must be remembered and can be guessed or stolen." In addition, people feel more confident and sure with this type of methods, "they stressed.

Meanwhile, ICBC presented its first "smart branch" this month in Puerto Madero with machines that only digital fingerprints will allow you to register as a customer for new services, card download, claiming, or code generation. "We strive to have 26 branches with these machines within a year," they explain from the bank.

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Starts recording

What will happen during these years to use biometrics on a large scale is advancing in banks campaigns for customers to agree to "attract" their biometric features, For example, recording voice and fingerprints in branches, and your face through mobile phones. When recording the vocal timbre, they estimate that the phone keys are no longer used and that a brief read can serve to confirm other operations as a "second factor of safety".

Of all these achievements, Fredericka Samers, Itaú's Digital Bank and Transformation Manager, summarizes: "Biometry is very useful for improving customer experience. A big advantage is that everything is happening in a more natural wayas well as in the everyday life when someone sees or hears our voice and knows that it is us. This way people trust spontaneously.


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