Inadequate biometrics systems could be creating a false sense of security in banks, security estates and office blocks, and in effect rolling out a red carpet to criminals, writes MARIUS COETZEE, MD of Ideco.
Biometrics-based security devices, in particular fingerprint readers, are now widely in use across South Africa. But in many cases, they could be creating a false sense of security among enterprises, and worse – serving to enable criminal activities.
This is because not all fingerprint readers are created equal. Although all fingerprint readers use minutiae points to match fingerprints, not all have the ability to detect the difference between real minutiae of a fingerprint and spoofed minutiae. Typically, enterprises investing in fingerprint readers believe the biggest risk facing them is a scenario in which a fraudster or criminal replicates someone else’s finger or fingerprint, and uses it to gain access to a premises or to authenticate their identity. But because most fingerprint readers are manned by cashiers, tellers or security guards, the chances are slim that the fraudster will have an opportunity to introduce an entire fake finger into the process unnoticed.
A lesser known risk, and one far easier for villains to employ, is to fake or ‘spoof’ minutiae. The simplest methods are simply to wind thin thread around the fingertip, or to introduce a series of cuts to the fingerprint. This creates scores of new minutiae points, increasing the risk that the spoofed fingerprint will be a close enough match to that of an authorised person on the estate or bank database. No one should underestimate the ingenuity of criminals – they know the reader uses minutiae points to match them against a profile, and they also know that by introducing a lot of false minutiae points, they will increase the chances of their matching an existing profile on the system. Only the most advanced technology has the ability to differentiate between typical cuts and true minutiae to determine whether a fingerprint has been spoofed or not.
Performance requirements and consequential recourse
Another major risk lies in the fingerprint system’s performance and standards: in many cases, the images they produce are of a low quality and characterised by noise, or they simply do not meet the standards required by law enforcement agencies and courts. This means that in the case of fraud or a criminal opening a bank account using such a fingerprint reader, the biometric records and images generated cannot be processed against the SAPS criminal record system, or indeed most international law enforcement systems.
Equally concerning is the fact that these systems produce images that are of a quality too poor to be admissible as evidence in a court of law. The mere fact that many fingerprint readers used today are not compliant to international standards for evidence and criminal investigation defeats the entire objective of using fingerprints for proof of identity in the FICA or RICA process.
Inadequate biometrics-based identification and security systems therefore, could not only give villains access to accounts and assets; they could also help them to avoid prosecution.
Organisations need be very careful in their choice of biometric devices deployed for customer identification, security and protection of assets, to ensure they are compliant with all key standards and legislation, and that the systems deliver the security they promise.
When selecting systems, organisations need to ask:
– Is it fit for purpose at the site, and for effective governance, risk and compliance?
– Does it fully adhere to regulatory requirements from the process of taking the customer aboard through to post-event audits?
– Can it be spoofed by added minutiae caused by thread, cuts, wrinkles and blisters?
– Does the technology discard false minutiae and only process true minutia?
– Is the data collected by the device, including all records and images, fully compliant to all international standards?
– Can this data be processed against the SAPS criminal record system?
– Is this data accepted as evidence in a court of law?
Always remember that mass adoption does not constitute great technology, but rather great sales effort. A simple “show me how accurate it is”, is always recommended.
Now download a bank account
Absa has introduced an end-to-end account opening for new customers, through the Absa Banking App, which can be downloaded from the Android and Apple app stores. This follows the launch of the world first ChatBanking on WhatsApp service.
This “download your account” feature enables new customers to Absa, to open a Cheque account, order their card and start transacting on the Absa Banking App, all within minutes, from anywhere and at any time, by downloading it from the App stores.
“Overall, this new capability is not only expected to enhance the customer’s digital experience, but we expect to leverage this in our branches, bringing digital experiences to the branch environment and making it easier for our customers to join and bank with us regardless of where they may be,” says Aupa Monyatsi, Managing Executive for Virtual Channels at Absa Retail & Business Banking.
“With this innovation comes the need to ensure that the security of our customers is at the heart of our digital experience, this is why the digital onboarding experience for this feature includes a high-quality facial matching check with the Department of Home Affairs to verify the customer’s identity, ensuring that we have the most up to date information of our clients. Security is supremely important for us.”
The new version of the Absa Banking App is now available in the Apple and Android App stores, and anyone with a South African ID can become an Absa customer, by following these simple steps:
- Download the Absa App
- Choose the account you would like to open
- Tell us who you are
- To keep you safe, we will verify your cell phone number
- Take a selfie, and we will do facial matching with the Department of Home Affairs to confirm you are who you say you are
- Tell us where you live
- Let us know what you do for a living and your income
- Click Apply.
How we use phones to avoid human contact
A recent study by Kaspersky Lab has found that 75% of people pick up their connected device to avoid conversing with another human being.
Connected devices are becoming essential to keeping people in contact with each other, but for many they are also a much-needed comfort blanket in a variety of social situations when they do not want to interact with others. A recent survey from Kaspersky Lab has confirmed this trend in behaviour after three-quarters of people (75%) admitted they use a device to pretend to be busy when they don’t want to talk to someone else, showing the importance of keeping connected devices protected under all circumstances.
Imagine you’ve arrived at a bar and you’re waiting for your date. The bar is busy, and people are chatting all around you. What do you do now? Strike up a conversation with someone you don’t know? Grab your phone from your pocket or handbag until your date arrives to keep yourself busy? Why talk to humans or even make eye-contact with someone else when you can stare at your connected device instead?
The truth is, our use of devices is making it much easier to avoid small talk or even be polite to those around us, and new Kaspersky Lab research has found that 72% of people use one when they do not know what to do in a social situation. They are also the ‘go-to’ distraction for people even when they aren’t trying to look busy or avoid someone’s eye. 46% of people admit to using a device just to kill time every day and 44% use it as a daily distraction.
In addition to just being a distraction, devices are also a lifeline to those who would rather not talk directly to another person in day-to-day situations, to complete essential tasks. In fact, nearly a third (31%) of people would prefer to carry out tasks such as ordering a taxi or finding directions to where they need to go via a website and an app, because they find it an easier experience than speaking with another person.
Whether they are helping us avoid direct contact or filling a void in our daily lives, our constant reliance on devices has become a cause for panic when they become unusable. A third (34%) of people worry that they will not be able to entertain themselves if they cannot access a connected device. 12% are even concerned that they won’t be able to pretend to be busy if their device is out of action.
Dmitry Aleshin, VP for Product Marketing, Kaspersky Lab said, “The reliance on connected devices is impacting us in more ways than we could have ever expected. There is no doubt that being connected gives us the freedom to make modern life easier, but devices are also vital to help people get through different and difficult social situations. No matter what your ‘connection crutch’ is, it is essential to make sure your device is online and available when you need it most.”
To ensure your device lifeline is always there and in top health – no matter what the reason or situation – Kaspersky Security Cloud keeps your connection safe and secure:
· I want to use my device while waiting for a friend – is it secure to access the bar’s Wi-Fi?
With Kaspersky Security Cloud, devices are protected against network threats, even if the user needs to use insecure public Wi-Fi hotspots. This is done through transferring data via an encrypted channel to ensure personal data safety, so users’ devices are protected on any connection.
· Oh no! I’m bored but my phone’s battery is getting low – what am I going to do?
Users can track their battery level thanks to a countdown of how many minutes are left until their device shuts down in the Kaspersky Security Cloud interface. There is also a wide-range of portable power supplies available to keep device batteries charged while on-the-go.
· I’ve lost my phone! How will I keep myself entertained now?
Should the unthinkable happen and you lose or have your phone stolen, Kaspersky Security Cloud can track and protect your device from data breaches, for complete peace of mind. Remote lock and locate features ensure your device remains secure until you are reunited.