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Millennial Banking Mobile
13 November 2017

In 2013, Apple released its first mobile phone with a fingerprint authentication technology and made biometric identification mainstream, even though it wasn’t the first brand to use this technology in a smartphone. Nowadays we are used to fingerprint identification; we’ve always listened that they are no two fingerprints alike in the world. So what could be safer than identifying with our finger; iris recognition? Both seem to be equally safe systems.  With the release of the iPhone X, technology is going a step forward and now everybody seems to be talking about face recognition. Numerous tests have been made to prove that face recognition is not the safest biometric identification yet as it seems to fail in presence of identical twins or triplets for instance. That’s the moment to wonder, what’s the safest identification system that we could find? And that’s when behavioral biometrics are standing out.
 

You must surely be wondering; what are behavioral biometrics? Behavioral biometrics identify people by how they do what they do, rather than by what they are (biometric identification). They constantly analyze the user activity, looking at unique behaviors and then match a user’s behavior against a profile; furthermore, this system is totally passive and it doesn’t require a change in the user experience. In other words, each of us has a unique way of using our smartphone and connect into our apps: the rhythm of our fingers when entering our password, how we pressure the screen, how we hold our device, which part of the screen we are more used to touch, etc. ... Each behavior is unique, and we are not even conscious of ours, which makes it impossible for someone else to copy our unique behavior. It’s easy to hack your email address and password at thousands of miles away, but if you are using a banking app with behavioral biometrics there will be no chance for the hacker to come across your account: they might know all your data, but the app will recognize that you are not the one who has entered the account info because no one can imitate nor copy your unique behavior when holding your device or pressuring the screen with your fingers.
 

It seems that behavioral biometrics can be used as a big plus to protect the user data and account, and as they act passively they can only reinforce the security without being a constraint. When talking about other biometrics technologies that seem to come directly from the future, CardiacScan is another one that draw our attention. It’s basically a radar that identifies the exact shape of the heart to make authentication possible. What could be more unique than your heart? On the same category we also find possible authentication like brainprints or body odor. What’s basically happening is that we are trying to create more and more complex identification technologies to prevent hacking and it seems that biometrics are here to stay. In the end, we are trying to find out what makes a human more unique, is it its fingerprint, its iris, heart shape and beat, its behavior? Tell us what you think!

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