• HeartyBeast@kbin.social
      1·
      1 year ago

      But how did they authenticate your identity when you opened the account? I’d not trying to be an arse - but at some point it will likely have come back to matching some official photo id against your face.

      • Hotzilla@sopuli.xyzEnglish
        1·
        1 year ago

        They once identify you from your driver’s license, government id card or passport. After that you for example link your smart phone to you, and you use their app when you identify.

        You can also use mobile carriers, they send a push notification directly to you phone+sim. Not sure what protocol they use here, because it opens up an UI which is plain android, and asks pin.

        Everything relays on chain of trust that since one service has identified you, the next can trust too. Plus there is MFA to verify that you actually made the identification request.

        • HeartyBeast@kbin.social
          2·
          1 year ago

          The initial argument was ‘sending is to anyone is insane’ but that’s what you do with the bank. Yes it’s only once - but that’s the same as the other systems we are taking about here.

          • Hotzilla@sopuli.xyzEnglish
            1·
            1 year ago

            They don’t accept it remote, only face-to-face. I have done it once, 15 years ago. Face-to-face is actually only way to do it to avoid identity theft.

                  • Hotzilla@sopuli.xyzEnglish
                    1·
                    1 year ago

                    The other bank and other mobile provider identifies you through the another one. I am able to identify through two different banks and mobile provider, and have not in 15 years done it onprem. I do strong digital authentication generally once or twice a week.

                    Edit: last time was actually when I took house mortgage 13 years ago, and switched bank. Not really a issue to show ID onprem when talking 200k€.