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Monday, July 15, 2019

Biometrics Provide Better Security and Convenience for Banks

Biometric security in the past decade has developed so much from being an underdeveloped security issue, to becoming a reliable way to secure the most important things in our life. If you aren't familiar with the term biometrics, it is the software that is used in newer phone models, using facial recognition to open up our phones, instead of having to type in a pass code that some may forget. After reading the Room for Debate article, "Biometrics and Banking" I started to realize how much more convenient biometrics can be for consumers while making transactions at the bank. Consumers won't have to walk in the bank and remember their four digit pass codes, when they can just use their face or thumbprint. Biometric security also gives the benefit of not having to worry about anyone trying to glance over at you putting in a code not only making it a safer transaction, but a quicker one too.

However, a couple of the other debaters on this article seem to be against the usage of biometric software in banks as they say it leads to the threat of our privacy. They suggest that when hackers get in the possession of credit card numbers and bank account numbers, those can be easily replaced, but data such as our irises and fingerprints cannot. Once they get the biometric data, they can use it to find our location by integrating facial recognition into street cameras, and then they can easily sell all of that information on the internet. 

All of this can be avoided though by making sure that places such as the banks have the highest end technology to ensure the safety of the consumers. One debater suggested that the software should be so advanced to where it requires movement in the scanning process, so if someone shows up with a picture of a face, it won't allow access. After reading this article and what the other debaters have to say, I still stand for the usage of biometrics in banks. I'm curious to see what you guys think, so go ahead and leave a comment.

- Sonny Montalvo

2 comments:

  1. Biometrics seem like a great idea for banks, however I do not think it would work out if implemented. First, everybody would have to come down to the bank to have their face scanned. Most people would be okay with it, but for those who did not want to or are unable to come down to the bank, what would their options be? Furthermore, would ATMs have to implement this technology as well? And if they did, how can we ensure there is no tampering with the camera and that no one is able to hack into it?

    Biometric scanners are really cool, and work excellent in movies, but I do not see them as functional in our modern society in their current state because of how many things could go wrong. A four digit PIN is not hard to remember, nor change, nor hide from the guy next to you. Instead of spending hundreds of millions on biometric scanners and converting the whole country over to them, we should wait for the technology and industry to grow and advance. That money would be better put toward educating the public on how to stay safe and keep their accounts secure.

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  2. Biometric scanners do appear to be more secure than a password or other, more conventional means, but at the same time, once compromised, it cannot easily be changed. While it is perhaps the right option on a smaller scale, such as phones, perhaps using biometric scans as bank security currently has more risk than benefits.

    I agree that, before we decide to implement biometrics on a vast scale, technology needs to advance so as to make biometrics safer to use. The largest problem is that, if compromised, biometrics cannot easily be changed or reset like a password, as your fingerprints or facial features remain much the same. As such, usage of biometrics on banks may not be the safest application in today's world.

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