• Hotzilla@sopuli.xyz
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    1 year ago

    You Americans should get to this century and start performing digital strong authentications like the rest of us. Sending picture of your ID to anyone is insane :)

    How we do it here in Finland is that there are digital identity providers which use bank/mobile carrier to identify you. They then use MFA when identifying you. Any service can use these services to do strong authentication for you. And they don’t cost anything for the customer, and is really cheap for the company who wants to identify you. It is also build into the law that you must identify people using these, to avoid identity theft.

        • HeartyBeast@kbin.social
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          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.xyz
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            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
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              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.