They need to require better identity-proofing methods. To open a bank account at many banks you need to physically show up at one of the bank locations and pres

They need to require better identity-proofing methods. To open a bank account at many banks you need to physically show up at one of the bank locations and present physical original copies of identification documents. Allowing people to submit documents online is not good enough. After the identity has been proven, then from that point on you can offer online services, but the initial account creation needs to be done offline.