Independent Banker - February 2023 - 38

which is one form of authentication,
and then identity is proven with a
face or fi ngerprint scan, which is the
second form.
Visit
MoneyGram
Another way to increase the
reliability of biometrics is the
burgeoning fi eld of " behavioral
biometrics, " says Mattei.
If one form of authentication
lets you in the metaphorical front
door, then, he says, " you still want
to be monitoring the behavior
of that person inside the house
because, unfortunately, there are
ways to circumvent any form of
authentication out there. "
With behavioral biometrics, a
system might, for instance, monitor
how fast a user types their last name
or Social Security number. " I know
my Social Security number off the top
of my head, so I type it in pretty fast, "
says Mattei. " A fraudster has to check
an Excel database. "
Whether it's traditional or
behavioral biometrics or a
combination of both, one sticking
point for community bankers has
been that these technologies are so
new and seemingly futuristic that
even formulating the right questions
to ask vendors can be challenging.
" There are so many questions you
should ask, " says Williquette, " but
it is diffi cult to think of all the right
questions until [the technology is]
running in your environment. "
His advice to community bankers?
Start with a small biometric banking
implementation before going live in
a big way. Better yet, ask vendors to
log into their test environments so
employees can try out biometrics over
days or weeks.
" If vendors believe they have a good
product, " concludes Williquette, " you
should be able to try it before you
buy it. "
Elizabeth Judd is a writer in Maryland.
at ICBA LIVE
Find out how you
can lower costs and
prevent fraud losses.
Stop by the MoneyGram booth to
learn more about how our products
and services support community banks
nationwide. Snack on some delicious
chips and salsa and add our sticker to your
Mad Dash for Cash game card.
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Independent Banker - February 2023

Table of Contents for the Digital Edition of Independent Banker - February 2023

Table of Contents
Independent Banker - February 2023 - Cover1
Independent Banker - February 2023 - Cover2
Independent Banker - February 2023 - Table of Contents
Independent Banker - February 2023 - 2
Independent Banker - February 2023 - 3
Independent Banker - February 2023 - 4
Independent Banker - February 2023 - 5
Independent Banker - February 2023 - 6
Independent Banker - February 2023 - 7
Independent Banker - February 2023 - 8
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Independent Banker - February 2023 - Cover3
Independent Banker - February 2023 - Cover4
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