[derac]

I don't speak german, but by video identification do you mean the system in which you turn in the webcam and it checks your face? If so, that is highly vulnerable to real time face swapping attacks (and possibly just recorded webcam footage). I'm sure you're aware, but these systems need to change.

[moooo99]

For banking a fairly well known identification provider is "Postident", a service offered by Deutsche Post.

They offer plenty of ways to actually authenticate. The classic one is that you receive a voucher, go to a post shop, the employee there checks your ID and prints you a verification code (iirc). They also added video calls for identification and from my experience, it seems as if they are aware of the potential security implications. They ask you a bunch of questions and require you to do different things (for example hold your ID card right in front of your face, cover one side of your face, etc) presumably to counter this attack vector.

The smoothest way is to use the ID card integration. With that, assuming your ID is already set up for the online authentication, the whole kyc process for a new bank account is done within two minutes. Unfortunately it seems like some banks still disable this option, at least I did recently open an account and did not have this option for use with postident.

[UncleEntity]

> They ask you a bunch of questions and require you to do different things (for example hold your ID card right in front of your face, cover one side of your face, etc) presumably to counter this attack vector.

Give them a little while and the AI will be able to do all that so you can finally prove to the government that you are indeed a panda bear.

[junon]

Nah it's a web call where they check your passport for authenticity and identity in real time with a real human in order to authorize a new bank account etc.