The document discusses the future of biometrics in authentication and its implementation in the banking industry, highlighting methods such as voice and face recognition. It emphasizes the advantages of biometrics for identity verification, including increased security and efficiency. The document also addresses the importance of regulations for protecting biometric data and ensuring consent from users.

1. B I O M E T R I C S
THE FUTURE OF AUTHENTICATION
Tony Chew
Industry Consultant
tonychew8@me.com
6 MAY 2018

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https://www.anz.com.au/promo
/personal/ways-bank/Voice-ID/
https://www.permata
bank.com/
FACE AND VOICE BIOMETRICS
IMPLEMENTED BY BANKS AROUND THE WORLD

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I D E N T I T Y V E R I F I C A T I O N
PATTERN / VEIN /
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Eye
Deployment of Biometrics in Banking

5. Simpler, faster and stronger authentication
WHY WE NEED BIOMETRICS
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8. 19 February 2016
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UK, France, Mexico, Canada and USA.

9. AT OCBC, MY VOICE IS MY PASSWORD
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10. 5 October 2015
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12. AUTHENTICATED
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13. BIOMETRIC TEMPLATE IS IRREVERSIBLE
WHY ENCRYPT?
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14. ANDROID
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APPLEWINDOWS
FACE BIOMETRICS
FRR 5% @ FAR 0.001%

15. FaceID accuracy 1 : 1,000,000
2D vs 3D15

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18. Mobile App Security
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Device Binding
Jailbreak and Root
Detection
Device encryption
Push Notification
Secure Storage
Geolocation Fencing
Face Authentication
Voice Authentication
Dynamic One-Time-Password
Challenge Response OTP
Transaction Signing
Eye Authentication
Fingerprint Authentication

19. ROC CURVE TEST SCENARIO
1,000 enrolments
1,000 live samples
Cross matching to plot FAR vs FRR results
Expected outcomes:
1,000 genuine scores
999,000 impostor scores
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Measuring biometric accuracy

20. Matching score
FAR vs FRR
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21. REGULATIONS FOR PROTECTING BIOMETRIC DATA
Definition of personal / biometric data
Consent of data subject Revocability of consent
General principles of protection
Roles of controllers / processors Security and compliance21

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23. Any questions?