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Franziska Ackermann

Newsletter September 2022

Online identification with fidentity – now even easier, safer and faster

Our vision: to enable trust in the digital world. Our way to achieve this: Making online verification simple, secure and flexible. That’s why we’ve expanded our identification solution in recent months. Our Liveness module is now even faster and more intuitive for your customers to use. We have also developed an NFC module. Interested? Learn more in our newsletter.

Liveness module in usability testing

Probably the most modern data center in Switzerland is located in a suburb of Bern. It opened in 2014 and cost 60 million francs.

Real-time face recognition, an improved progress bar for the user, a short tutorial video and immediate user feedback during the selfie process – these are just a few of the new features we have integrated into our liveness module. In a usability test, we wanted to know how the new features were received by users. And we are proud of the results: The testers gave our module a rating of 4.5 out of a total of 5 ⭐. What they liked best:

  • the ease of use
  • the intuitive user guidance
  • the design.

Convince yourself. Try our Liveness module for identity verification now.

Thanks to NFC: digital onboarding even more secure and faster

Probably the most modern data center in Switzerland is located in a suburb of Bern. It opened in 2014 and cost 60 million francs.

Many identity documents, including the Swiss passport, have an integrated NFC chip. This is as secure as the chip on a credit card and is considered counterfeit-proof by FINMA. fidentity enables this chip to be read and checked.

NFC technology is not new. But did you know that

  • most smartphones today have an NFC reader?
  • the bank transfer previously required to identify customers during onboarding is no longer necessary if verification is carried out by reading the data from the NFC chip?
  • fidentity now makes it possible to read and verify this chip?

Seamless integration of web an app

To date, only “native apps” can access the NFC reader function of smartphones. Since fidentity’s identity verification is web-based, we were looking for a technical solution that supports identification with NFC while integrating as seamlessly as possible into the web flow. Thanks to the new App-Clip technology (Instant App on Android), identification with NFC is possible without the user having to make a detour through the app stores.

See for yourself the seamless integration of the NFC module.

KPMG confirms: fidentity is proven to be FINMA-compliant

Security instructions in front of the data center: We will soon have to part with our personal belongings, exchange an official identification document for a visitor badge and pass a metal detector.

As part of a voluntary audit in accordance with the ISAE 3000 standard, KPMG confirmed that fidentity’s identification solution meets the requirements of FINMA Circular 2016/07 on “Video and Online Identification”. We also have extensive experience in other compliance issues and can meet your requirements according to the Data Protection Act, regarding outsourcing and risk management.

We are happy to help you create a user-friendly onboarding for your new customers.

Is there 100 percent security?

It recently became public: security researchers from the Chaos Computer Club (CCC) successfully hacked video-based online identification and thus gained access to a test person’s personal data. The CCC is therefore calling for this technology not to be used where there is a high potential for damage.

Behind the CCC’s attack is years of preparation. Moreover, the identity of a complete stranger was not stolen, but the identity of identical twins.

We at fidentity find the hack exciting and are convinced that it will contribute to an improvement of the procedures. Because all optical processes are vulnerable with more or less effort, fidentity continuously invests in our software and uses “friendly” hackers to uncover possible security gaps. Today, only identification with an NFC chip is considered 100 percent secure, as this is not “hackable” with today’s technology.

Get in touch with us

Would you like to know more about fidentity and how it can be used in your company? Call us now.

Or fill the form below. We will contact you.

    Interested in an online coffee with our CEO?

    Thorsten Hau, CEO and founder

    Book now

    More security is (almost) not possible

    Management Summary

    • In the Bern-Wankdorf data center, Begasoft AG hosts fidentity’s data and container infrastructure.
    • The data center is Tier IV certified and therefore offers maximum protection and availability.
    Is our customers' data really safe?

    To find out, we make our way to the Swisscom data center in Wankdorf, where Begasoft AG hosts our customers’ data. Not even the high temperatures can keep us from our plan.

    Access control to the data center is strictly regulated for both employees and visitors. Personal items stay outside – including our mobile phones. All rooms are monitored with video cameras and the security service is on site 24/7.

    On a guided tour we learn that all systems that are necessary for uninterrupted operation are designed redundantly. This guarantees an availability of 99.995 percent. Of course, we also get the explanation of what is meant by that. What does that mean? Which means that the downtime per year must not exceed 30 minutes and proves that our identification solution is “highly available”. What also convinces us: The electricity in the data center is obtained from 100 percent domestic and sustainable energy. The computers are indirectly cooled with outside air and rainwater, and all of the waste heat flows into the heating network of the city of Bern.

    These and other measures contribute to achieving an energy efficiency of 84% (corresponds to a PUE value of 1.2).

    With hosting in the most modern data center in Switzerland, fidentity makes an important contribution to more energy efficiency. According to a study by myclimate , purchasing IT services from the cloud saves up to 90 percent energy compared to operating your own servers.

    The conclusion of our visit

    There is no such thing as 100 percent security. But more security is (almost) not possible. 💪

    Hardly surprising, after all, the data center was awarded the Tier IV certificate by the Uptime Institute. It thus meets the highest requirements in terms of availability, security and efficiency.

    Probably the most modern data center in Switzerland is located in a suburb of Bern. It opened in 2014 and cost 60 million francs.
    Security instructions in front of the data center: We will soon have to part with our personal belongings, exchange an official identification document for a visitor badge and pass a metal detector.
    An exclusive view: Thorsten Hau (CEO) with Edi Spring (CTO) and David Strahm (Senior Software Engineer) visit the fidentity IT infrastructure operated by Begasoft in the Bern-Wankdorf data center.

    Nehmen Sie mit uns Kontakt auf

    Sie möchten mehr über fidentity und den Einsatz in Ihrem Unternehmen erfahren? Rufen Sie uns an.

    Oder füllen Sie das untenstehende Formular aus. Wir melden uns bei Ihnen.

      Sie möchten sich mit unserem CEO online treffen?

      fidentity thorsten hau

      Thorsten Hau, CEO and Gründer

      Termin buchen

      KPMG audit confirms: fidentity still FINMA-compliant

      Press release

      • Swiss fintech company fidentity specializes in fully automated identity verification of real individuals.
      • As part of a voluntary audit, KPMG has confirmed that its online identification solution is proven to be FINMA-compliant.

      “We are pleased about the audit report, which confirms that our identification solution is FINMA-compliant,” says Thorsten Hau, CEO at fidentity. “Our customers can rely on the assessment of a recognized audit firm, which simplifies compliance with the FINMA Circular Video and Online Identification. This reduces costs for them in the digitization process.”

      "Compliance with the requirements of the FINMA circular 'Video and Online Identification' becomes easier with fidentity," says Thorsten Hau, CEO of fidentity.

      FINMA Circular 2016/07 “Video and Online Identification” regulates which technical measures and standards must be met when a new customer wants to open an account via digital channels. For example, during the identification process, the image quality of the scanned identity document must be checked, and the data entered by the user must be compared with the machine-readable zone (MRZ). In further checks, the selfie and the photo from the identity document are compared and a so-called “liveness check” is used to check whether the person is real.

      As part of the audit, which was conducted in accordance with the ISAE 3000 standard, KPMG tested requirements from eight different categories. In addition to technical criteria, the IT architecture and internal company processes were also scrutinized. “As fidentity provides services for regulated financial service providers, it is crucial that our systems work reliably and that control mechanisms are in place to identify any exceptions in good time and prevent failures,” explains Thorsten Hau, adding, “For us, it goes without saying that we have pen tests carried out on a regular basis to protect our system from unwanted cyberattacks.” Thanks to the hosting partner’s ISO 9001 and 27001 certifications, fidentity also complies with quality management and information security requirements.

      Less than 90 seconds – identity verification with fidentity

      Media contact

      Thorsten Hau; CEO & Founder
      thorsten@fidentity.ch
      079 461 99 36

      Nehmen Sie mit uns Kontakt auf

      Sie möchten mehr über fidentity und den Einsatz in Ihrem Unternehmen erfahren? Rufen Sie uns an.

      Oder füllen Sie das untenstehende Formular aus. Wir melden uns bei Ihnen.

        Sie möchten sich mit unserem CEO online treffen?

        fidentity thorsten hau

        Thorsten Hau, CEO and Gründer

        Termin buchen

        Digital Onboarding with NFC: Maximum Conversion Guaranteed

        Management Summary

        • Since June 1, 2021, the Swiss Financial Market Supervisory Authority (FINMA) permits the reading of the chip of biometric identity documents as an additional security measure for online identification.
        • This eliminates the bank transfer that was previously necessary for the customer to identify themselves.
        • With a custom-developed NFC software module, fidentity now also supports the contactless reading of biometric data for identity verification.
        • This makes digital onboarding even simpler, faster and more secure – for you and your customers.
        NFC makes digital onboarding even simpler and more secure. Find out why and what's behind the technology in our blog post.

        What is NFC technology?

        Near Field Communication (NFC) is not new. The technology has been around since the early 2000s. It is a bidirectional wireless data transfer between two electronic devices. For the data to be exchanged, the two devices must be no more than 10 centimeters apart. That’s why NFC is considered to be particularly secure, since the small distance makes it almost impossible for the data to be intercepted.

        NFC in everyday use

        Most users are not aware of that: NFC technology is already widely present in everyday life. It is used, for example, in contactless payment with smartphones or credit cards. In addition, NFC technology is also implemented where access and entry control is involved – for example, in hotels, public buildings or at the workplace. Whereas in the beginning a special device was needed to read the data, today almost every smartphone has an NFC reader.

        Contactless payment is just one of many use cases in which NFC technology is used today. For the two devices to exchange data, they must be within a distance of 10 centimeters. This is why the technology is considered particularly secure, because hardly any data can be intercepted due to the short distance.

        NFC in online identification

        Additionally, NFC is also being used for identity verification. Many ID cards, such as the Swiss passport, contain a NFC-chip that stores key personal data, and also biometric data such as a photo and fingerprints. Such e-travel documents are protected by various security mechanisms. For example, with an NFC reader non-governmental users cannot access biometric data, but can only read the data that is also visible on the document.

        With digital onboarding, the data stored on the NFC chip of ID documents can be read. If identification is carried out using an NFC chip, the previously required bank transfer by the customer is no longer necessary.

        NFC facilitates digital onboarding

        For NFC technology to be used in digital onboarding, it requires not only a smartphone equipped with an NFC reader and an identity document with an NFC chip. It also needs the appropriate legal basis. The Swiss Financial Market Supervisory Authority FINMA has created this legal basis last year with the update of Circular 2016/07. As of June 1, 2021, the reading of the chip of biometric identification documents is now permitted as a security measure for online identification. At the same time, the previously required bank transfer by the customer is no longer necessary if identification is carried out using an NFC chip.

        The legal adjustments were decisive for fidentity to be allowed to integrate the NFC reading functionality into the verification process. This gives customers to identify themselves during onboarding using an electronic passport or other identity document equipped with NFC technology.

        *Update to FINMA Circular 2016/07 of May 6, 2021

        Digital onboarding with NFC is for you and your customers…

        … even simpler: If the data for identity verification is read using an NFC chip, the bank transfer previously required from the customer during digital onboarding is no longer necessary.

        … even faster: The data is read out contactless. This makes the verification process even faster. This makes the verification process even faster.

        … even more secure: Data stored on the NFC chip is practically impossible to forge. In addition, the reading of the data is guaranteed to be error-free.

        Test our new NFC module

        The NFC software module is currently in test mode.

        For a successful test:

        • select the «ID verification» and «NFC reader» module,
        • have a CH passport ready for identification.

        Are you testing our NFC module with an iPhone? Please use the “Safari” browser in normal mode (not “private mode”).

        Would you like to know more about our NFC module? Please contact us.

        Get in touch with us

        Would you like to know more about fidentity and how it can be used in your company? Call us now.

        Or fill the form below. We will contact you.

          Interested in an online coffee with our CEO?

          Thorsten Hau, CEO and founder

          Book now