Improving the ATM experience with biometrics multi-factor authentication
ATMs in the U.S. and other parts of the world have generally validated the identity of bank customers with something the user has (a card) and something the user knows (a PIN). This decades-old approach is increasingly vulnerable to fraud attacks.
As the banking industry continues to search for ways to shore up security, some measures — such as a credit card with an embedded microchip — effectively address certain aspects of the fraud problem. But only biometrics can answer the question of who is actually transacting and determine whether it is a legitimate bank customer or a fraudster.
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