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The likelihood that it will become tied to your bank account, credit file, etc in a way which isn't currently possible with physical forms of id such as passpor

by dazc 1y ago

The likelihood that it will become tied to your bank account, credit file, etc in a way which isn't currently possible with physical forms of id such as passports and driving licences.

hchdifnfbgbf 1y ago
How isn’t that currently possible? In America, your bank is already required to keep a semi-permanent record of your state issued identification for anti-money laundering/terrorism financing reasons. I can see concerns about it becoming a widely used form of SSO, potentially even mandated, and that destroying privacy. However, banks and credit are cases where you already do not have that privacy, so they don’t seem like a very compelling example to point to.
- dazc 1y ago
  In the UK, your bank will have a copy of your id to prove they carried out basic id checks - it currently ends there.
  - blitzar 1y ago
    The bank can, will and do report transactions to the government as well as annual interest etc to hmrc - as far as I am aware they use national insurance numbers in those reportings.
tikkabhuna 1y ago
I’m pretty sure UK security services can link bank accounts to you already. Hell, credit score companies like Experian already do it. This is beneficial for public services and companies that need to identify you. Having a single ID for a person is a huge improvement. As an example, when we got married, my wife was simultaneously both her maiden name and my surname. There is absolutely no link between passport, birth certificate, driving license, etc. You have to go around to all these different organisations and have them update the details. They all have different requirements for updating the name. Having a single consistent mechanism for referring to a person in systems seems hugely beneficial for both the organisation and the person.
- dazc 1y ago
  Some may say this strengthens individual privacy and the inconvenience is a price worth paying.
panstromek 1y ago
That didn't really clear anything to me. These things are already connected. "The likelihood" is just handwavy concern but it doesn't tell me anything about why is this a concern for this system specifically. I still don't see what makes this system different.
bendigedig 1y ago
Don't banks demand your National Insurance number already in order to open an account?

by dazc 1y ago

The likelihood that it will become tied to your bank account, credit file, etc in a way which isn't currently possible with physical forms of id such as passports and driving licences.

hchdifnfbgbf 1y ago

How isn’t that currently possible? In America, your bank is already required to keep a semi-permanent record of your state issued identification for anti-money laundering/terrorism financing reasons. I can see concerns about it becoming a widely used form of SSO, potentially even mandated, and that destroying privacy. However, banks and credit are cases where you already do not have that privacy, so they don’t seem like a very compelling example to point to.

dazc 1y ago
In the UK, your bank will have a copy of your id to prove they carried out basic id checks - it currently ends there.
- blitzar 1y ago
  The bank can, will and do report transactions to the government as well as annual interest etc to hmrc - as far as I am aware they use national insurance numbers in those reportings.

tikkabhuna 1y ago

I’m pretty sure UK security services can link bank accounts to you already. Hell, credit score companies like Experian already do it. This is beneficial for public services and companies that need to identify you. Having a single ID for a person is a huge improvement. As an example, when we got married, my wife was simultaneously both her maiden name and my surname. There is absolutely no link between passport, birth certificate, driving license, etc. You have to go around to all these different organisations and have them update the details. They all have different requirements for updating the name. Having a single consistent mechanism for referring to a person in systems seems hugely beneficial for both the organisation and the person.

dazc 1y ago
Some may say this strengthens individual privacy and the inconvenience is a price worth paying.

panstromek 1y ago

That didn't really clear anything to me. These things are already connected. "The likelihood" is just handwavy concern but it doesn't tell me anything about why is this a concern for this system specifically. I still don't see what makes this system different.

bendigedig 1y ago

Don't banks demand your National Insurance number already in order to open an account?