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Nov. 12, 2019 | by Amy Castor

What if you didn't have to remember a PIN or worry about someone skimming
your card every time you went to use an ATM?
Passwords are easy to forget, and they can be a pain to recover, especially if you
are in a hurry. The idea behind biometrics is that they only rely on some
measure of your body, which is unique to each person. If implemented
correctly, you don't need a password or even a smart card to access cash.
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Biometrics promise a smoother customer experience and reductions in fraud.
The technology is big business, too. The biometric market is expected to be Reinventing the ATM
worth $32.7 billion by 2022.
Remote Managed Services
What follows are the basic types of biometrics that are being used or piloted on
ATMs today and a few of their drawbacks. Bene ts of a Retail Program

Fingerprint scanners  Cash Management solution for VTB Bank

Most people are already familiar with fingerprint sensors. When Apple first Integrating Document Readers into Kiosks for
introduced Touch ID on the iPhone 5S in 2013, it paved the way for other Secure User Identi cation
businesses to explore biometrics as a solution to widespread security issues.
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For Apple, the simplicity of Touch ID was critical to Apple Pay's success.
The problem with fingerprints is they can be faked. For years, researchers have
shown that fingerprint sensors can be fooled sometimes using a lifted print or a WHITE PAPER
person's digitized fingerprint data. And last year, researchers from New York Arti cial Intelligence:
University used a neural network to create synthetic fingerprints that have the How AI is changing the
same ridges visible when rolling an ink-covered fingertip on paper. banking industry

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Another problem is that after Interactive Customertypes

years of certain Experience (ICX) Summit
of manual labor,—some
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fingerprints can be hard to distinguish. The technology also requires you to
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physically touch the scanner, which brings up hygiene issues.
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Fortunately, there is another way to read fingers that includes reading the veins
in the fingers. You can also read palms this way.
A vein scanner illuminates the finger or palm with near-infrared light, which is
absorbed by the hemoglobin in the veins to capture a unique profile of an
individual. This method of capturing fingerprints is thought to be more secure,
because it uses a "liveness" detector to make sure the finger — or palm — is
real. TRENDING
Most Japanese ATMs already use some type of fingerprint reader, finger-vein
or palm-vein reader, biometric security expert Douglas Russell, director of DFR Buying a bitcoin ATM: Advice from an insider
Risk Management, told Infosecurity Magazine. The perfect theft: the increase in card-not-
In 2014, Poland became the first country in Europe to introduce a network of present fraud
"finger vein ID" cash machines, with 2,000 of the new ATMs opening in bank Bank ABC acquires Egypt’s Blom Bank for $480M
branches and supermarkets across the country, backed by a campaign that
promised "cash within your finger." QR Codes regain the spotlight for remote bill
pay and more
Two years later, to combat ATM fraud, Fiserv introduced its Verifast palm
authentication reader based on Fujitsu's PalmSecure palm-vein technology. South African banks told get sanitizers or
receive penalty
And early this year, Fiserv introduced what it's calling a "super ATM" that
integrates with the solution.
Facial recognition 
By detecting data points on your face and comparing the information with a
database of known faces to find a match, facial recognition software can
identify who you are.
In February, Spain's CaixaBank claimed that it was the world's first bank to use
facial recognition to allow customers to withdraw cash at ATMs. The lender
developed the technology in partnership with IT services provider Fujitsu and
face recognition developer FacePhi.
Through a camera, which can identify up to 16,000 points on a user's face, the
ATM recognizes the customer and validates the transaction. Six months into
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the pilot, CaixaBank is reporting success, and says it plans to implement the
biometric service at even more of its ATMs. Customer Experience 4.0 Master Series:
Iris scanners Transforming The Future of Retail Banking
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If you are okay with having your eyeball scanned at close range, iris scanners
promise another form of biometric security. The technology identifies 2019 ATM Comparison Guide [$349.00 $249.00]
mathematical patterns on video images of one or both of the irises of an 2019 ATM Future Trends Report
individual's eyes, whose complex patterns are unique and stable over time, [$497.00 $399.00]
unlike fingerprints and facial features.
In 2009, IrisGuard, an electronic payment solutions company, deployed the 2 way bitcoin atm
62.280.900₫
world's first operational iris-enabled ATM at Cairo Amman Bank, allowing
users to withdraw cash without a bank card or PIN but simply by presenting
dual display pos
their eye to the iris recognition camera on the ATM. system
In 2015, Diebold (now Diebold Nixdorf) teamed up with Citigroup to test Iris $0
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scanning at ATMs at Citibank's innovation lab in New York. The re-design of a used Antminer S9/
Arti S9I/S9J
cial Intelligence:
traditional ATM machine dubbed "Irving" featured no PIN pad, card reader or
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screen. Instead, all transactions took place via a mobile app on the user's
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commercial iris scanners can be easily fooled by a high-quality image in place
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of the real thing. The scanners are often tough to adjust and can become
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Obstacles to adoption 
On the surface, biometric security sounds like a brilliant idea. It is being used
in Japan, India and countries in Europe. So why don't we see it even more
widely deployed? A few reasons.
Some consumers are uncomfortable with having parts of their bodies scanned,
and trusting that information with numerous financial services companies. In
the U.K., especially, data privacy is a big issue, so there are legal and ethical
ramifications to overcome.
Second, the technology needs to function smoothly. ATMs are self-service
devices. If biometrics are any more complicated than simply tapping in a PIN
and using a card, people aren't going to want to use it.
There is also the question of how secure is the data?
A few years back, Kaspersky Lab experts warned that despite promises,
biometric ATM authentication is not immune to skimming.
"The problem with biometrics is that, unlike passwords or pin codes, which can
be easily modified in the event of compromise, it is impossible to change your
fingerprint or iris image," said Olga Kochetova, a security expert at Kaspersky
Lab, said in a statement. "Thus, if your data is compromised once, it won't be
safe to use that authentication method again. That is why it is extremely
important to keep such data secure and transmit it in a secure way.
Despite the obstacles, biometrics still holds promise as a secure and easy way to
access cash. And quite possibly, one day soon, we will see passwords go by way
of the rotary phone.

Security Diebold Nixdorf FISERV

AMY CASTOR
Amy Castor has more than 20 years of experience in journalism and mass communications. In the last several years,
she has gotten particularly interested cryptocurrencies, blockchain technologies and other evolving forms of
payment. Her work has appeared in consumer and trade publications throughout the U.S., including CoinDesk,
Forbes, and Bitcoin Magazine. She is now the editor of ATMmarketplace.com and WorldofMoney.com
CONNECT WITH AMY: WEBSITE

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