SlideShare a Scribd company logo
#team4 #sytycc
Business Front-end Back-end Back-end
3.60%
23.70%
24.30%
24.00%
16.90%
7.40%
Who's involved? (Victims)
Under 20
20-29
30-39
40-49
50-59
60-...
The information is there
Banks push security towards customer
This is Frank Poncelet
Customer in control of his own security
Sander Kristof Jens Kimberly

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LockIt ING Hackaton 2014

Editor's Notes

  1. Ladies and Gentlemen of the Jury, the past 48h we worked on a fantastic, easy and fast solution called LockIt to help the customer to protect himself from card fraud.Because we believe that not only the bank is responsible for the security, but that the user has to be involved into the security of his own card.
  2. These are statistics from America that show why security is getting more and more important.For example, one of the main problems is shouldersurfingWe’re talking about very organized gangs that quickly look at you pin number when you enter it on the ATM and before you know it, they steel your card and take money from your account in an organised and quick way.
  3. So the banks try to push security rules and restrictions towards the customers.And most customers don’t like this. Yesterday I could take 500 EUR out of the ATM and today only 200?2 years ago, there was a mayor communication crisis because ING had limited the withdrawal of cash from ATM’s for elder people (60+) from 2500 EUR to 500 EUR and there was a huge fuzz about this.Well, ING wasn’t wrong, elder people have an average (and even a max) withdrawal far below 500 EUR. But they could have communicated it better!
  4. But what if we could prevent it by using an easy and quick way to lock and unlock your card?Wouldn’t it be great to withdraw all fraud by blocking cards until they are used by the right person? ING doesnt loose money and the customer feels protected. Of course, this is the ideal world.Customer in control of his own security
  5. In the real world we have Frank who travels a lot.But in the system as it is today, there’s no difference for the status of the cards whether Frank is in Belgium or in America.Frank wants an easy, fast and secure way to say that he is in America he only wants to use his Visa (because he can’t use his debet card), in Belgium he only wants to use his debetcard because he uses his Visa only in foreign countries.
  6. I’m going to show the customer journeyIt’s fully integrated in the ing systemBecause Frank doesn’t want to download a new app (he’s a bit lazy!)
  7. Did you just arrive in America?They use the system GPS, we know you’re thereWe’ve figures about the USWe show notificationPleas check security from cardsHe doesn’t use his debetcards in the use, so block them
  8. He’s not using all cards at all timeBut he wants to lock all the cards all the timeIn the ideal world all cards are blocked until their used by
  9. Give an advice to the customers
  10. Notification, Explanation about gangs and shouldersurfing
  11. By the way, when talking about shoulder surfingNotification
  12. It’s simpleIt’s fastIt’s secureIt’s mobileIt’s workingIt’s LockIt