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by Delk
1711 days ago
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Where I live, the authentication systems implemented by banks are also used for verifying user identity to various other services, including governmental ones. Basically, there's a common (government-backed) user identification system which hooks up to interfaces that banks provide. When you're logging in to an online service that requires strict identification of the user (such as ones that would require an official id document if done in person), you first pick the bank you're using, and the service forwards you to the bank's website. Once you log in with your bank credentials, the original requesting website gets informed that you've provided valid login information, and the identity that the login matches with. I don't know the exact technical details of how that works, but essentially the bank also acts as a user identification service for various official and governmental online services. It's treated as similar to proving your identity with a document, or to signing a document with your signature. I don't know if this is a common thing in other European countries, but if it is, that might be a reason why the EU has an interest in enforcing 2FA. You're not strictly required to use a smartphone, as at least my bank has other means of 2FA that satisfy the regulatory requirements, but they are more cumbersome. |
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Do you live in Denmark perchance?
> I don't know if this is a common thing in other European countries
There is a similar system implemented in Poland and works very well.