ebook: biometric technology (english)

FINTECH SERIE BY innovation edge

BIOMETRICTECHNOLOGY

THE BIOMETRIC SYSTEMS (FINGERPRINTS

VOICE IRIS) TAKE OFF FOR THE

IDENTIFICATION AND PERSONS RECOGNITION

Passwords are inconvenient and insecure and theirend is in sight

01 Banks have muchto gain frombiometrics

02 Check the identityof new customers 03

04 05 INFOGRAPHIC

Biometrictechnology

HSBCacutes bid forbiometrics

INTERVIEW

ldquoBanks have much to gain from biometricsrdquo

01

Juliaacuten Fieacuterrez is a senior lecturer at the Escuela

Politeacutecnica Superior and a member of the ATVS -

Biometric Recognition Group at the Autoacutenoma

University in Madrid A graduate in Communications

Engineering from the Madrid Polytechnic University

he obtained his doctorate in 2006 with the

Extraordinary Prize and was a Marie Curie post-

doctoral fellow at Michigan State University between

2007 and 2009 He has just received the 2015 Miguel

Catalaacuten Award for researchers aged under 40

FINTECH SERIE middot FEBRUARY 2016 middot wwwcentrodeinnovacionbbvacomen

A specialist in biometrics and

currently traveling between

Japan and China to present his

projects Juliaacuten Fieacuterrez has

spent 15 years studying

biometric systems technologies

for speech face fingerprint and

written signatures In 2002 he

began working with the

identification laboratory of the

criminalistics service at the

Head Office of the Guardia Civil

and has also brought biometrics

to the National Cryptological

Center and Telefoacutenica and

more recently to Cecabank A

ldquoclose contact with these

companies and institutionsrdquo has

given him an insight into the

real problems and opportunities

of biometric systems

Is recognizing and identifying

people through biometric

systems the latest fashion

Quite the reverse ndashthe general

perception of biometric systems

is not very positive People

dont see it as being very useful

and being unnecessarily

sophisticated But this type of

systems has been used very

successfully for decades in

limited fields such as forensic

research It was only about 20

years ago at the end of the

1990s when the systems were

first used in large-scale

applications for the general

public such as in access

controls to buildings and

restricted areas


Werent they useful

Biometric systems at the time

were poorly perceived for two

reasons First back then the

systems were very limited and

not very technologically

advanced in comparison with

the ones we have today They

were not very ergonomic and

incapable of dealing with

diversity and difficulty in

relatively uncontrolled

operational environments

They were not very useful for

the applications for which they

were designed Rather than

saving time or increasing the

level of security they were an

inconvenience In second

place high hopes ndashexcessively

sondash were invested in these

systems mostly thanks to

popular culture and because of

ambitious and unrealistic

claims Both factors led to

major commercial failures in

this type of system After that

in the last 15 years users who

are unfamiliar with the

technology and technicians

with no expertise in this area

have only naturally been fairly

reluctant to use and deploy this

type of systems

Has the situation changed

Currently the recent and

significant advances in multiple

fields of technology mean that

biometric applications are being

deployed ever more widely

and overcoming the

understandable barriers of

reticence that were so

widespread Several areas have

seen a substantial development

in recent years ergonomics

and sensor quality (such as

those included in smartphones

and other tactile devices)

robust recognition algorithms in

realistic and relatively

uncontrolled operational

conditions and automatic

learning that exploits large

datasets


Why are banks companies and governments so interested in

this type of recognition today

Because they have multiple applications and are of crucial

importance These technologies will reduce or eliminate

paperwork in many spheres of e-government in medical records

and legal processes they will streamline many processes

requiring the authentication of individuals they will help prevent

internal and external fraud in companies and institutions they

will make it possible to monitor and certify the skills obtained by

students in distance learning and much more The present and

future of these technologies is very promising

Is this the end of passwords

The aim of biometric systems is not to substitute the current

processes of authentication either cards keys or passwords

The target most researchers working in these technologies are

aiming for at the moment is to improve some aspects of the

current authentication processes by supplementing them in

some cases replacing certain processes in others and

incorporating new processes which were previously impossible


Will biometric technology live

alongside passwords

Rather than thinking of doing

away with passwords its more

a case of developing a

complete authentication system

that uses a password and then

improve one or several aspects

of this system (security speed

convenience ease of

management maintenance

costs and so on) by introducing

biometric systems

With this focus in mind I think

well see the coexistence of new

password-free developments

like unlocking cellphones based

on fingerprints or facial images

with a multitude of systems that

continue using passwords or

keys to a certain degree

perhaps supplemented with

some biometric information

The question is not whether

biometrics can eliminate

passwords but whether the use

of biometrics can be of help in

the current world of passwords

The response to this question is

definitely yes and to a great

extent


What is the most secure

biometric recognition method

(voice veins irishellip)

All the biometric recognition

methods existing today have

advantages and drawbacks ndash

from voice and handwriting

through to irises and the

pattern of veins on the hand

Specifically if were talking

about security this necessarily

implies an attacker who wants

to gain illicit access Before

comparing biometric features

with others in the area of

security we would need to

specify the model of attacker

through questions such as how

does the attack occur how

hard is it for the attacker to

achieve his or her aim The

suitability of one biometric

feature or another will depend

on the application in question

the scenario of use the model

of attacker who wishes to

violate the system and the

resources at his or her disposal

There are several current

developments that aim to

homogenize these models and

come up with a standard for

considering a biometric system

secure and for its level of

security One such is the

Common Criteria initiative to

which our group is contributing

thanks to the European project

BEAT (Biometrics Evaluation

and Testing)

One feature can be compared

with another based on factors

such as usability economic

cost durability and so on All

these factors once the

application and scenario have

been determined will point to

one biometric feature or

another or a combination of

several used in a specific way

and with specific sensors as

being the optimum solution So

an iris recognition system that

has no protection against

falsification using printed iris

images may be less secure than

a verification system using a

handwritten signature


What does it contribute to

banks

The banking environment is

one of the areas that can

benefit most from recent

advances in biometric systems

as many of their operations

depend on the reliable

authentication and

management of their

customers identities Biometrics

can vastly reduce costs such as

the use and recording of

information on paper or the

prevention and control of a

whole range of fraud

Specifically biometric systems

allow the identity of a customer

to be modeled both on one-off

inputs (a handwritten

signature) and in an ongoing

way in the medium and long

term (for example with a

keyboard or mouse and pointer

dynamic)

The detection of anomalous

behavior through these models

is a good way of filtering

possible fraud Todays

technology already allows a full

remote relationship with the

customer by making use of

biometric features such as face

and voice recognition for the

ongoing monitoring of the user

or a handwritten signature on a

touch terminal for

authentication with legal

validity The great difference in

this remote scenario compared

to the scenario with a physical

presence lies in the type of

impostor that seeks to violate

the system the cost of the

attacks impact possible

protection)


A greater understanding of

these factors is key to the

success of this type of initiatives

in remote operating

environments Much research

is currently being done in this

area and the problem is not

totally resolved Look at the

results of one of the European

projects in which we have also

been working recently TABULA

RASA (Trusted Biometrics

Under Spoofing Attacks) for

example

iquestWhich country is most

advanced in its uptake of

biometrics

All types of countries from the

United States and Japan to

India and China are investing

heavily in the research and

development of these types of

systems as they are aware of

the present and future benefits

these technologies can provide

Not only the governments of

these countries who have

launched programs to fund

research but also companies

like Google Facebook

Microsoft NEC and Fujitsu are

all making a strong

commitment to this type of

technology


What sector do you think it

can help most

As I said before the banking

sector has yet to tap into the

substantial advantages offered

by these technologies in recent

years and it has much to gain

from them They can reduce

the costs related with the

management of identities fraud

prevention customer

convenience and the opening

of new customized services

both in person and remotely

Other sectors that will benefit

vastly from developments in

biometrics include distance

learning (students uptake of the

course material can be

monitored and their learning

outcomes can be certified as a

result) e-government

insurance companies notary

services courts medical

registers and health records

and more) In fact any area in

which it is necessary to

authenticate individuals and

subsequently manage these

identities

Are privacy and biometrics

compatible

Yes Most of the current large-

scale developments in

biometric systems are very

aware of the importance of

protecting privacy particularly

in Europe where the legislation

on data protection is clear and

strict

Many of these biometric

systems do not in fact store (on

the biometric template) the

users registration information in

an open way but via encrypted

versions or with very limited

information which ndashin the most

recent developmentsndash are not

even unencrypted for

comparison with other

biometric templates These

techniques for the protection of

biometric templates are in fact

a red-hot issue in research and

an area in which my group at

the UAM is also working


Millennials do not intend to go into a branch in their

lives Theyre used to taking out all services online and

want to have the same facility with banks But as

highlighted in the BBVA Research article ldquoDigital

contracting of financial services electronic identity as a

key elementrdquo there is no regulatory framework allowing

banks to remotely verify the identity of new customers

02Banks face the challenge of verifying the identity of new customers


While Google Facebook or

Skype need not verify the actual

identity of the person accessing

their services mdash not even

Amazon mdash registering with a

bank is not so easy ldquoThe

regulatory framework affecting

registering customers in the

financial sector is not

completely homogeneous

globally Some countries

prohibit the registration

processes through digital

channels and require a physical

meeting to proceed with

customer identification and

verification of their identity

Moreover in those places

where non face-to-face

contracting is permitted it is

sometimes difficult to establish

mechanisms for verifying

identity in these digital channels

that reveal unequivocally who

the customer is highlights the

Article

In Mexico for example one of

the objectives of the bank in

2016 is to strengthen controls

and in recent months reading

fingerprints has been extended

to identify customers and open

new accounts As highlighted in

this article in El Universal ldquowith

a customers fingerprint and

photograph identity theft is

impossible when the

fingerprints are already

registeredrdquo

The security problem is

growing as highlighted in this

article by BBVA Research

According to the for Strategic

and International Studies (CSIS)

the cost of cybercrime to the

global economy is about $450

billion In addition the

Ponemon Institute reports that

in 2013 43 of US companies

experienced a breach of data

security Individually the

greatest risks are identity theft

and loss of confidential

information The CSIS estimates

that there were 800 million

stolen personal records in the

same year worldwide In South

Korea for example in a

month over 70 of people

aged between 15 and 65 had

their personal data stolen and

their credit cards were put at

risk In the US according to a

2012 survey conducted by the

Bureau of Justice Statistics

phishing affected 166 million

people at a cost of $247

billion in financial losses


And how can identification be

guaranteed As highlighted by

BBVA Research The regulatory

framework affecting registering

customers in the financial

sector is not completely

homogeneous globally Some

countries prohibit the

registration processes through

digital channels and require a

physical meeting to proceed

with customer identification

and verification of their identity




sometimes difficult to

establish mechanisms for

verifying identity in these

digital channels that reveal

unequivocally who the

customer is highlights the

Article

Returning to Millennials and the

previous generation a survey

by Telstraglobal on generations

X and Y (those born between

1966-1976 and 1977-1994

respectively) indicates that

more than half of respondents

rate trust as the most

important factor of choice

when selecting a financial

services provider One in five

people would share their DNA

to help protect their financial

and personal information and

up to one in two people would

be willing to pay for a mobile

identity In addition less than

half are satisfied with their

institutions security more than

a third have experienced

phishing 40 of victims

believed it was the institutions

fault and 65 is likely to leave

the bank as a consequence of

this

2016 promises to be the

breakout year for biometrics

And banks cannot be left

behind

FINTECH SERIE middot FEBREUAY 2016 middot wwwcentrodeinnovacionbbvacomen

Emilio Martiacutenez CEO of Agnitio the company specializing

in voice biometric systems highlights the benefits of

voiceprints for personal authentication

03INTERVIEW

ldquoPasswords are inconvenient and insecure and their end is in sight


How did Agnitio start

AGNITIO started in 2004 as a

spin-off from the Madrid

Polytechnic University A

group of the signal treatment

department had worked for

years with the Guardia Civil

police force to develop a voice

biometric system that would

enable them to identify

criminals and terrorists from

their voices This system was

known from other European

police forces and sparked

considerable interest The

founding members negotiated

a contract with the university

for the transfer of the

technology and thats how

AGNITIO came about

Whats the profile of the

employees

92 of the employees are

engineers or graduates in

areas of advanced technology

This is an extremely

technological company with a

very high component of

R+D+i

How many countries do you

operate in and what sector

interests you most or is most

interested in your services

Agnitio has facilities in over 40

countries around the world

The geographical areas where

we have the greatest presence

are eastern Europe Latin

America and the United States

In the US we have a subsidiary

that sells to and supports our

customers in North America

With regard to market

segments our presence is

above all in the government

security sector (police and

intelligence corps and defense

organizations) followed by the

financial sector


be identified with an extremely

high degree of accuracy

Do they use complex and

expensive tools

The system is purely software

In other words the voice can

be recorded with any

microphone and theres no

need for any special IT

processing system Normal

servers and computers are

used Whats complex is the

software for processing the

signal ndashhighly complex

mathematical algorithms

efficiently programmed to

respond in fractions of a

second with todays processors

The cost depends on the size

of the project measured in

number of voiceprints that are

to be used andor the number

of parallel processes that our

technology is going to use

What are the features of

biometric voice verification

When someone speaks as well

as the information they transmit

in the form of words the

unique features of their vocal

tract ndashthe larynx the nasal

cavity the palate and so onndash

make an imprint on the sound

waves This voiceprint is

independent of the language

the person is speaking the

phrases theyre saying or the

individuals state of mind Card

technology is capable of

extracting this information and

storing it in the form of a

numerical ldquovoice imprintrdquo When

an unknown person is speaking

on the phone for example that

voice can be compared with

the stored voiceprint and

allows the person speaking to


These systems are not

accessible to individual

consumers because of their

cost but are acquired and

implemented by government

organizations and financial

institutions

How has the technology

advanced in this field

The study of voice biometrics

began in the 1990s but it

wasnt until the beginning of the

21st century that we saw the

first systems that could be

efficiently used The UPM

delivered the prototype of our

forensic identification system to

the Guardia Civil in 2000 Since

then several pioneering

research groups ndashof which we

are proud to be onendash have

gradually improved and

modified the algorithms to

obtain better results Our

products are already now in the

fourth generation of the

technology

Along with the improvements in

accuracy the calculations can

now be done much faster and

with fewer resources Our

earliest call-monitoring systems

with voice biometrics required

fifty times more processors

than they do today

What advantages does it have

compared to other

identification methods

(fingerprints irishellip)

The various biometric models

are not in competition but

complement each other in a

multi-factor authentication

environment When we come

near a person we use all our


ldquosensorsrdquo to identify them their

faces their way of walking

their voice and so on In the

same way in the future people

will be automatically identified

using all the possibilities

available on the devices

Sometimes some will be more

important than others Voice is

very important in situations of

remote authentication when

you cant see or touch the

person ndashin telephone

communications for example

Are they more efficient

The sensors needed to make a

voice authentication are

microphones and today we all

carry these around in our

pocket (in our cellphones) or

we have them on our

computer In terms of cost this

makes it much more efficient

than a fingerprint or iris

recognition which needs a

special sensor requiring special

care And its also the most

natural system Everyones used

to talking to speaking on the

phone Its not something thats

considered intrusive unlike

taking a photo of your eye or

taking your fingerprint

Whats more were increasingly

using our voices to interact with

our surroundings In the future

well communicate with a whole

range of devices in our cars

and homes and at work by

using our voices to give

commands and obtain

information Using our same

voice as a way of authenticating

ourselves will become more

natural than using any other

biometric model Well identify

ourselves with the same

phrases we use when we to talk

with virtual assistants

What can it provide for a

bank

Voice biometric applications in

the world of finance are only

just beginning Perhaps the

application with the best return

on investment today is fraud

detection in call centers The

use of ldquoblacklistsrdquo of voices of

people who have committed

fraud can be used to filter

incoming calls This is having a

massive effect on preventingthe

proliferation of organized gangs

who used the call center to

commit fraud or obtain

information with which to

commit fraud through other

channels


Voice authentication also

reduces fraud and makes the

user experience on the

telephone or mobile channel

much faster and more user-

friendly

How

Multichannel systems can be

deployed that combine

authentication in the Banks

different channels telephone

mobile Internet video-chat

social networks and so on It

can also be used to sign

documents using the voice

Customers can use their voice

to accept a contract and this

voice converted into a

voiceprint can be used as the

ldquosignaturerdquo for the document

This way a customer can open

a bank account via only the

Internet andor telephone

channel without having to go to

the branch office

Of course many of these

advances must pass through

regulatory filters and be

accompanied by other security

and control systems

In the case of a physical

presence a handwritten

signature is normally used as

authentication when making a

transaction And in many cases

it includes the comparison of an

identity document with a

photograph These procedures

also have their weak points

when the comparison is done

by people who are not expert in

handwriting or in document

recognition As far as I know

theres no comparison of false

positives between physical

presence systems and

biometric models but Im sure

there would be no surprises

and particularly in the case of

very well planned attacks

Is it very difficult to copy a

voice

Voices can be recorded and

reproduced later in attempt to

imitate the legitimate user This

is why the measures to prevent

these recorded attacks (anti-

spoofing in biometric slang) are

very important in any

implementation that does not

involve an agent speaking to

the person on a direct line

Agnitio has several patented

systems that guard against

these attacks using very

sophisticated technology that

detects the

recordingreproduction cycle

and compares it to the direct

use of the voice

It is impossible today to

generate a voice which so

closely resembles someones

voice that it can deceive the

system Both professional

imitators and voice synthesis

systems can easily be detected

by our software


Do you believe that man-in-the-middle attacks

are more dangerous for voice systems and is it

easier to obtain a voice sample than one from

another part of the body

MITM attacks are normally related with encrypted

communication between two systems This occurs

in voice biometrics when the communication takes

place via the IP network and not the telephone

channel In these cases protecting the voiceprint

by correctly encrypting it is an additional problem

to be resolved by systems integrators to avoid the

possibility of these voiceprints (and digital or facial

biometrics) being intercepted and changed This is

why voice biometrics ndashin particular encrypted

voiceprints (not the voice itself)ndash is neither more

nor less likely to suffer attack by MITM

However the voice is often used as authentication

via a different channel (out of band authentication)

Using a brief telephone call on a previously agreed

phone number and making the user say a certain

phrase is the most convenient and secure way of

making an out-of-band authentication


Will biometric systems do

away with passwords

Im convinced that the end of

passwords is in sight at least as

a basic authentication tool

Companies banks and online

retailers canrsquot go on torturing

their customers by making

them remember secure

passwords that need to be

frequently changed Today an

average user can have as many

as 60 passwords with 20 being

the average in a European

country Some studies indicate

that ten of them are used on a

daily basis And of course to

keep them safe they have to be

long contain uppercase and

lowercase symbols and be

frequently changed Thats

impossible to maintain

Theres no doubt that

biometrics is one of the ways in

which this problem is going to

be resolved It will be assisted

by other security technologies

to ensure that the entire

process is secure and that the

security is sufficiently

dimensioned for the information

its protecting Im convinced

that sooner or later well

perhaps have just a few very

secure passwords that we wont

need to use very often and

which will only be used as

backup systems in extreme

cases

What are the advantages of

biometric verification by voice

compared to passwords

Passwords are impossible to

remember when theyre even

remotely secure And theyre

also easy to steal or find out

They have the worst of both

worlds theyre inconvenient

and not very secure Multimodal

biometric verification is both

convenient for the user and

extremely secure It can be

flexibly adapted to the

environment


Which country is the most

advanced

The use of voice biometrics in

governments is more advanced

in Europe than in the United

States for several historic

reasons However the

implementation in the financial

sector is more advanced in the

United States

What are the next challenges

for Agnitio

The most important challenge

for any company at the

forefront of a technology sector

is to stay ahead ndashlike the Queen

of Hearts in Alice in

Wonderland who had to keep

running to stay in the same

place In other words the

challenge is to continue with

the work of research into new

algorithms in order to improve

both the accuracy speed and

the size of the systems Agnitio

is now in the fourth generation

of voice identification

technology Were now working

on the fifth generation which

will be much more robust

against environmental noise

have spectacular improvements

in accuracy in short speech

and be able to learn to

recognize users very fast over

time These are some of the

requirements for authentication

in the cloud services that wersquoll

be seeing on a massive scale in

the coming years


The bank and First Direct offer their 15 million customers

biometric banking software for accessing their accounts

online and by phone using their fingerprint or voice

04HSBCs bid forbiometrics

Fifteen million customers identified through their voice and

fingerprints This is the goal set by HSBC which is extending its

bid for biometrics in the United Kingdom HSBC and First Direct

customers who use telephone banking and mobile apps can

access their accounts through a system that checks their voice

and fingerprint The bank believes that the software will help it

address the issue of forgotten passwords


Francesca McDonagh HSBCs

retail banking and wealth

management manager

describes the decision as ldquothe

largest deployment of voice-

based biometric security

technology in the United

Kingdomrdquo ldquoThe launch of voice

and touch ID makes it even

easier for customers to access

their bank accounts using the

safest form of password the

bodyrdquo she concludes in this

article published in The

Guardian

First Direct will start registering

customers for voice

identification in the coming

weeks and HSBC will follow suit

in summer Customers who

decide to use this option must

register their ldquovoiceprintrdquo and

will never again have to use a

phone password or PIN


The English newspaper mentions other

examples of banks that are embracing

biometrics

Barclays launched its voice recognition software

for its 300000 wealthiest customers in the United

Kingdom in 2013 One year later it said that this

technology had been so successful that it would

extend it to its 12 million retail banking customers

Barclays intends to offer them voice recognition

by the end of this year since ldquoit has been

incredibly popularrdquo among its wealthiest

customers who used to spend 15 minutes

checking their identity and can now do so in

less than ten seconds

Lloyds Banking Group has said that it is

considering including Amazon Echo in its online

banking services a voice-controlled hands-free

device that is only available in the United States

The bank claims that 360000 blind or visually

impaired people in the United Kingdom could

benefit from voice recognition


Royal Bank of Scotland says that

touch ID has been a ldquogreat

successrdquo following its launch last

year with over one million

customers now logging in using

their fingerprint

In the United States several banks

have tested biometric technology

and Citi has around 250000

customers who use voice

recognition authentication

Touch ID is available on all Apple

mobile devices for HSBC and First

Direct Customers have to

download the mobile banking app

and follow the instructions for

associating their fingerprint

And yes it works even if you have

a cold Joe Gordon HSBCs

customer contact manager in the

United Kingdom says that voice

recognition works even if you

have a cold In the BBC Today

program he claimed that ldquowe will

be able to deal with people with a

cold or with slight handicaps

Things like the size of our mouth

or the vocal tract dont change

Neither does the rhythm or

accent when a person has a

slight coldrdquo

Nuance Communication is

supplying the voice biometric

technology that cross checks

more than 100 unique

identifiers including behavioral

features such as speed rhythm

and pronunciation and physical

aspects like the shape of the

larynx the nasal tract and the

nasal passage

FINTECH SERIE middot FEBRERY 2016 middot wwwcentrodeinnovacionbbvacomen

According to a YouGov survey

published by HSBC the British

believe that along with voice

and touch the heart beats the

hair and even the saliva could

be used as passwords in the

future According to the survey

38 of people use the same

password for most of their

accounts while 55 say that

they rarely update their

passwords 78 of the 2038

adults surveyed were sure that

their body was the only thing

that could be used as a

password and 74 felt that it

would become the default

password in the future


The boom of biometric devices

is gaining momentum

positioning themselves firmly in

the security monitoring and

control solutions market

05INFOGRAPHY

Biometrictechnology

Share in Pinterest


Determines an individualacutes

identity The biometric data

are compared against all

the data held in the

database

Confirms an individualacutes

identity by comparing a

simple with one or more

templates obtained

previously

Identification vs Verification

Perceptions of authentication

61

Belive that biometric authentication is

as safe as passwordsWould like to use digital fingerprint

scanning to Access their accounts

40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular

IrisCaptures an infrared picture of the personacutes eye which isprocessed to obtain the spectral information of the iris

Face recognitionThe faceacutes features are obtained using a low-resolution camera

Voice recognitionThe voiceacutes features are based on the shape and size of the appendages used to creacuteate the sound

FingerprintA map of the fingerprintacutes peaks and troughs is registeredusing optical termal andor ultrasound technology

SignatureRecording of the act of signing on a piece of paper or tablet The movement not the image is recorded

VascularAn infrared image of the skin is taken to detect the veinsand a map of their distribution is obtained


Applications on the market

Uses of biometric authentication

Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1


BBVA Innovation Center

creates the Fintech Serie By

Innovation Edge to keep

informed about the financial

innovation trends with its

milestones analysis cases

studie interviews with experts

and infographics to display the

data that describe each of

these trends

SERIEFINTECH BY innovation edge

share

LASTEST ISSUES

Easy quickly and very efficiently

are the keys of personal

management tools (PFM)

The advance of bitcoin and

payments

The takeoff of emerging companies

in a competitive world

A new concept in the world

of lsquostartupsrsquo

Regiacutestratepara estar al diacutea de las uacuteltimas tendencias

centrodeinnovacionbbvacom

centrodeinnovacionbbvacominnovation-edge

siacuteguenos

BBVA no se hace responsable de las opiniones publicadas en este documento

ldquoBanks have much to gain from biometricsrdquo

01

Juliaacuten Fieacuterrez is a senior lecturer at the Escuela

Politeacutecnica Superior and a member of the ATVS -

Biometric Recognition Group at the Autoacutenoma

University in Madrid A graduate in Communications

Engineering from the Madrid Polytechnic University

he obtained his doctorate in 2006 with the

Extraordinary Prize and was a Marie Curie post-

doctoral fellow at Michigan State University between

2007 and 2009 He has just received the 2015 Miguel

Catalaacuten Award for researchers aged under 40










































restricted areas


Werent they useful

































type of systems







and overcoming the














datasets























alongside passwords








convenience ease of



biometric systems


















extent









































and Testing)





















banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos










































restricted areas


Werent they useful

































type of systems







and overcoming the














datasets























alongside passwords








convenience ease of



biometric systems


















extent









































and Testing)





















banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos


Werent they useful

































type of systems







and overcoming the














datasets























alongside passwords








convenience ease of



biometric systems


















extent









































and Testing)





















banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos























alongside passwords








convenience ease of



biometric systems


















extent









































and Testing)





















banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos









































and Testing)





















banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos



banks







authentication and

management of their















dynamic)












touch terminal for









protection)





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos





in remote operating










example



biometrics















all making a strong


technology



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos



can help most









prevention customer



















identities


compatible








strict




















































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos




































Article











impossible when the


registeredrdquo





















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos






















































Article





1966-1976 and 1977-1994




















this




behind





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos





03INTERVIEW






















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos





















AGNITIO came about


employees







R+D+i




















financial sector





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos





expensive tools



















































institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos








institutions




















technology








than they do today


compared to other






























we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos






















we have them on our




















commands and obtain










bank

















channels







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos







friendly

How


















the branch office





and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos






and control systems






















voice















detects the



use of the voice








by our software


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos


























away with passwords





































cases















environment



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos



advanced





reasons However the



United States


for Agnitio




























the coming years
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos
















management manager












Guardian


customers for voice











biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos




biometrics

























their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos







their fingerprint

























slight coldrdquo










nasal passage






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos






















is gaining momentum




05INFOGRAPHY

Biometrictechnology

Share in Pinterest






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos






database




templates obtained

previously



61




40


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos


Biometric solutions

Iris

Facerecognition

Voicerecognition

Fingerprint

Signature

Vascular










Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos




Travel17

Electronics20

Banking $ finance25

Government15

Defens12

Others11

Digital print

Fingerprint

Iris

Face recognition

Others

1

30

9

59

1











these trends


share

LASTEST ISSUES





payments








siacuteguenos











these trends


share

LASTEST ISSUES





payments








siacuteguenos





siacuteguenos


ebook: biometric technology (english)

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