[MertsA]

No, instead they use this radical method called actually identifying the person they're about to give a bunch of cash to instead of trying to pretend a username is a password.

[BrandoElFollito]

Sorry, I did not understand your comment (English is not my first language)

[kadoban]

Gp is saying that no, it doesn't increase identity theft. Other (better) methods of verification are used instead.