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In India, you can generate a new virtual ID based on aadhar (national ID). You will need to confirm the virtual id with 2fa on the site. The default is sadly p

In India, you can generate a new virtual ID based on aadhar (national ID). You will need to confirm the virtual id with 2fa on the site. The default is sadly phone OTP for this which I hope changes. I haven't needed to do video call for kyc. For example, groww (investment app) will pull up your national ID and have you scan your face. It will automatically match the face. If it fails, then you can connect with a person. Newer services also use CKYC which means you don't need to do this process again. Just update kyc from the central repo. Your virtual ID can pull your KYC status. If you need to verify documents, you can use digilocker login to do that. Digilocker contains all the government generated documentation on your name and services can use it to verify you have genuine documents. For example, school certificate. I was in shock to find that most colleges in US require your school to send a sealed school transcript because they don't have another way to verify the genuineness.

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likpok 5y ago
All this boils down to: in India there's a national ID database you can use, which makes this a lot simpler. The US does not have a national ID database, and there is a lot of resistance against making one. Each state could probably use the driver's license, but that locks out people who don't drive -- a small but disproportionately marginalized group. Government services are tricky because they need to serve everyone. That means that you have to handle a lot of special cases and struggle to categorically ban bad actors. Google can say "you've used your gmail account to send spam emails, so we're banning it". The IRS can't do that (I think even if they put you in prison for tax fraud).
- olyjohn 5y ago
  If you don't drive, every state that I can think of will still assign you an ID that is just like a license, but doesn't give you permission to drive.
- jdmichal 5y ago
  > The US does not have a national ID database, and there is a lot of resistance against making one. Which is hilarious, because if you combine the databases of the SSA and IRS, you get most everything that would be in such a database anyway. SSA gives you a pretty comprehensive list of people, even non-citizens. IRS gives you an annually-updated address and some other info. Throw in the State department and you get passport information for those that have gotten one, which will include a photo.
seoulmetro 5y ago
When will people learn that phone SMS verification is not 2FA. The sim card is reproducible by third parties and there are many of them, so it's not something you have, nor something you know, or somewhere you are. Heck, half the "2FA methods" used today aren't actually 2FA. Software tokens? Why would this be 2FA? I think we need to rename 2FA since it clearly has lost all meaning.

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likpok 5y ago

All this boils down to: in India there's a national ID database you can use, which makes this a lot simpler. The US does not have a national ID database, and there is a lot of resistance against making one. Each state could probably use the driver's license, but that locks out people who don't drive -- a small but disproportionately marginalized group. Government services are tricky because they need to serve everyone. That means that you have to handle a lot of special cases and struggle to categorically ban bad actors. Google can say "you've used your gmail account to send spam emails, so we're banning it". The IRS can't do that (I think even if they put you in prison for tax fraud).

olyjohn 5y ago
If you don't drive, every state that I can think of will still assign you an ID that is just like a license, but doesn't give you permission to drive.
jdmichal 5y ago
> The US does not have a national ID database, and there is a lot of resistance against making one. Which is hilarious, because if you combine the databases of the SSA and IRS, you get most everything that would be in such a database anyway. SSA gives you a pretty comprehensive list of people, even non-citizens. IRS gives you an annually-updated address and some other info. Throw in the State department and you get passport information for those that have gotten one, which will include a photo.

seoulmetro 5y ago

When will people learn that phone SMS verification is not 2FA. The sim card is reproducible by third parties and there are many of them, so it's not something you have, nor something you know, or somewhere you are. Heck, half the "2FA methods" used today aren't actually 2FA. Software tokens? Why would this be 2FA? I think we need to rename 2FA since it clearly has lost all meaning.