– The debit card should go away quickly. It is more vulnerable than apps and similar solutions, says Professor Kristian Gjøsteen at NTNU. He is involved in an extensive research project, SODI. There they examine how law and technology can uncover and reduce misuse of electronic ID. Gjøsteen thinks the bank chip, or code chip, is too unsafe to use. – One of the problems is that you use the same mechanisms to approve a book club bill of NOK 250, and take out a loan of NOK 400,000. The unrest for non-digital people After fraud accused Shakeel Muzaffar was wanted internationally, news found him in Romania. Several of those who claim to have been defrauded by Muzaffar gave their code chip to him, because he promised to help them get a loan. Instead, according to the indictment, several were left with millions in debt. In Romania, Muzaffar told news that he had not deceived anyone. In a report from UiO, it emerges that fraud victims are often left with the debt even if a fraudster is convicted, and that in seven out of ten cases the fraudster had used the victim’s bank card. Finans Norge, which organizes the banks, says the bankID chip should still be an alternative, even if BankID is available on the app. Gry Nergård is director of consumer policy at Finans Noreg. It is a member and employer organization for banks, insurance companies and other companies in the financial industry that operate in Norway. Photo: Kari Nygard Tvilde / news A survey from 2021 shows that around 600,000 Norwegians struggled to be digital. – Those who do not have a smartphone are forced to have a BankID. Then the chip is a very appropriate travel item, and easy to use, says Gry Nergård in Finans Noreg. – It is safe in itself, as long as you don’t borrow or get tricked by your password, she points out. Keeping the bank card is too easy, says Professor Gjøsteen: – I use the password all the time. You should never give it away to anyone. But when you sit on the sofa with someone and use the password to shop online or look at tax lists, they can pick it up that way. He believes that the banks’ measures to prevent fraud are not good enough. Kristian Gjøsteen is a professor at the Department of Mathematics at NTNU. Photo: Kai T. Dragland / NTNU – They are obviously not enough. The most important thing here is to place the responsibility on those who can do more, and it is mostly not the consumers. Must use biometrics Gjøsteen has constructive suggestions for what should be done for better bank security. – You can add extra checks to the large transactions, for example by calling the person concerned, or by having a video call. He says there are technical methods that can be used that provide better safety. – For example, new technology has arrived in the autumn that can link a device to you via biometrics. Biometrics can, for example, be fingerprints or face recognition, but Finans Noreg still does not believe that the bank chip should be removed. – The most important thing is not what kind of mechanism it is. The most important thing is that it works. She points out that the BankID app also enables biometrics, but that you then need a smartphone. Then the non-digital will have a problem, she believes. – The banks will certainly adopt new technology as and when it comes. However, they must also not run away from those who cannot benefit from it. ALSO READ:
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– The bank chips must go – news Dokumentar
