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Risks of user's remote biometric identification and options to mitigate them

Vol. 15, Iss. 11, NOVEMBER 2019

Received: 5 March 2019

Received in revised form: 2 April 2019

Accepted: 16 May 2019

Available online: 15 November 2019


JEL Classification: G21, O38

Pages: 2057–2070

Dadalko V.A. Financial University under Government of Russian Federation, Moscow, Russian Federation

Emets M.I. Financial University under Government of Russian Federation, Moscow, Russian Federation

Subject Remote biometric identification is a new mechanism for the Russian Federation. It streamlines the contractual work without being personally present to be identified. On the one hand, the mechanism makes financial services more accessible, but, on the other hand, it is exposed to certain risks, including the money laundering and financing of terrorism.
Objectives The study overviews risks and formulates specific actions, which would help financial institutions mitigate remote identification risks.
Methods We applied general scientific and particular methods, including analysis and synthesis, analogy, comparison, hypothetical method.
Results We investigated the pace at which the remote identification practice devolves in Russia and compared various methods of user identification, analyzing respective risks and suggesting actions to reduce them.
Conclusions and Relevance Remote (biometric) identification does not engender any absolutely new risks, but revitalizes the existing ones. Banks are aware of the risks as they run remote servicing technologies and have a portfolio of retail customers. As long as remote identification is used, FATF Recommendation 10 – Customer Due Diligence becomes more significant. As part of Recommendation 10, financial institutions should undertake customer due diligence measures and verify the information through reliable sources. The proposed actions will reduce the arising risks, when financial institutions implement the remote identification practice with respect to their customers. It is critical to outline aspects of biometric identification, since it contributes to the successful use of the Unified Biometric System.

Keywords: user identification, money laundering, terrorist financing, unified identification and authentication system, interdepartmental electronic interaction system


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