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I had a revelation this year, I have a new bank acc and not familiar with their procedure. First few calls they did to me, they have asked some good questions,
by Yizahi 1y ago
I had a revelation this year, I have a new bank acc and not familiar with their procedure. First few calls they did to me, they have asked some good questions, aside from my name thy were negative - e.g. did you do X thing in your app, when we both know that I did not. But then last time an operator called and asked my PII question (birthday, address etc.). I got triggered and said "eh, sorry, won't tell you because unsafe". And she went "oh, no problem then - I will auth you in the app". Lo and behold, immediately I got push from bank app with her name, phone number calling and some details. So they do have a perfectly 1)safe, 2)repeatably reliable, 3) and fast way to authenticate customers. They just ignore it mostly. I'm still simultaneously like them and is angry on them.
tl;dr - bank calling you can do auth digitally on phone, but don't do it and don't advertise it to clients.
PS: I'm in EU.
- cycomanic 1y agoBanking is pretty disfunctional in Sweden. Lots of bank employees seem not to want to work, i.e. they were refusing to open a bank account for me on an EU passport until I asked for written confirmation (which they have to give by law), when suddenly it wasn't a problem anymore (colleague went to the same bank some months later, same employee, was told the same thing, so it's not that they don't know the rules). That said, they do have authentification down. Essentially you use your mobile bank id (an app that you connected via your id card) and when they need to authenticate you they push an notification to your phone that you confirm (using a PIN). Only annoying thing is that mobile bank id only works on android and ios.