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传统金融的互联网化国际资讯

服务新金融,澳洲银行积极推动数字化身份认证

传统金融的互联网化国际资讯

服务新金融,澳洲银行积极推动数字化身份认证

Forrester和分析公司GBG本周一发布的研究结果显示,有95%的澳大利亚金融企业都在积极关注客户身份辨别这个领域,其中有92%的企业更是将此作为了平台运营的一项关键任务。

然而GBG负责人Mathew Demetriou也指出,目前的银行客户身份认证体系主要还是依靠实体/物理文件。而2014年针对澳大利亚金融系统的一项调查显示,"零散的,不协调的数字凭证生态系统给政府和纳税人造成高昂成本"。对银行而言,数字化身份认证体系能够大幅降低用户身份证明的难度,进而帮助银行减低维护和获客成本。所以说,一场数字化革新迫在眉睫。

而澳大利亚储备银行也认为,可信的数字身份框架能够提升在线交互的便捷性和安全性,减少身份欺诈事件的发生。因此,澳大利亚联邦政府正在积极着手构建这一体系,并将其作为Govpass计划的重要组成部分。

对于政府的动向,澳大利亚银行业也给予了积极响应。其从业者希望在这一过程中与政府积极进行合作,同时期待政府对"了解客户"(KYC)等规则进行进一步更新和完善。

比如,目前一些澳大利亚银行和金融科技平台已经通过软件,将用户在州政府交通管理机构、联邦医疗保险记录和银行数据进行了合并,并将其用于不同银行和金融机构之间的用户身份验证。调查还显示,有77%的金融公司将响应一会针对生物信息识别的立法举措,在未来12个月内落实面部识别等技术来提高客户身份甄别水平。

值得注意的是,有关人士认为,通过为相关机构提供信息和有关审核,数字化集成身份数据库甚至有可能成为银行在新金融时期的又一个利润增长点。

Banks want the government to work more closely with them on the national framework for establishing digital identity, and say it must include changes to "know your customer" (KYC) rules to allow them to rely on identity information provided by other organisations.

A new digital identity regime promises to reduce costs for banks by making it easier for customers to prove who they are. It will also make it easier to switch accounts.

The Reserve Bank of Australia says a framework for trusted digital identity "has the potential to make online interactions more convenient and secure" and "could help mitigate the scope for identity fraud". The central bank has suggested the regime could be incorporated into the government's plans for "open banking".

Research by Forrester and analytics firm GBG, to be released on Monday, finds 95 per cent of Australian financial firms are concerned with their ability to identify customers, while 92 per cent place a "high to critical" priority on conducting identity checks properly. "The current system relies on multiple sources of physical documents but we need a digital form that can be reused multiple times," said Mathew Demetriou, the country manager at GBG.

Through the Digital Transformation Agency, the federal government is seeking to establish a "trusted digital identity framework" as part of its Govpass program. The banks support the proposed federated design, whereby multiple entities operate the regime. Banking industry sources say consultation has improved since responsibility for the program was shifted from Angus Taylor, the former minister assisting the Prime Minister on digital transformation, to his replacement Michael Keenan after the ministerial shuffle late last year.

"There is a strong desire for collaboration, and for the banks and government to work more closely on this area," one banker said.

A bill currently before Parliament will allow biometric information, including faces, to be used to establish identity. The Forrester GBG survey said 77 per cent of finance firms say they have plans to implement facial recognition technology to authenticate identity within the next 12 months.

The banks and FinTech Australia are pushing for a framework that would allow identity to be established by drawing on information held in various government and private sector databases. For example, a party could tap a state government's traffic authority, the federal government's Medicare records, and a bank, and then software could be used to combine the data and verify the identity. This would avoid the need for every service provider or government department to hold full identity records for every customer.

But the industry will need new protections in the anti-money laundering and counter-terrorism financing laws to allow them to rely on the information from the external bodies. Banks are highly sensitive about complying with this act following the AUSTRAC lawsuit against Commonwealth Bank of Australia for alleged breaches.

In his recent report on open banking, King & Wood Mallesons partner Scott Farrell recommended that "the outcome of an identity verification assessment should be able to be relied upon by another entity".

"This should remove the need for the customer's new provider to undertake its own identity verification check of the customer, saving time and effort for the customer and removing a significant disincentive to access new banking services," he said.

"It would also make the assessment process easier for the new provider. This could be seen as an indicator of the potential benefits of the development of a customer-driven, reusable digital identity in Australia."

Banks are hoping being a trusted source of customer identity could become a new revenue source as they could be paid for providing ID checks into the framework.

The development of a digital identity strategy was a recommendation of the 2014 financial system inquiry, which found a "fragmented, unco-ordinated ecosystem of digital credentials creates high costs to government and taxpayers".


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