April 17, 2017
Lloyds Banking Group is collaborating with Microsoft to test biometric authentication with customers logging into Lloyds Bank, Halifax and Bank of Scotland internet banking sites, according to a press release.
Windows Hello offers the user instant access to Windows 10 devices via fingerprint or facial recognition. Devices recognize the user, eliminating the requirement of entering a password or PIN.
Special hardware and software bind the device to the user and create a data representation of a face rather than merely an image, preventing access via an impersonator using a photograph.
Lloyds will pilot the technology in the second half of the year, the release said.
"This Lloyds Banking Group pilot marks another significant step towards an era of more personal computing," Ryan Asdourian, Windows and devices lead for Microsoft UK, said in the release. "With more than 400 million active users of Windows 10 able to take advantage of Windows Hello, it's great to see a major financial services institution looking at how it can apply this technology to transform the customer experience."
The release did not indicate whether Lloyds is considering the same technology for ATMs, which will need to migrate to Windows 10 or (another operating system) by January 2020.
The ATM Industry Association has recommended that ATM deployers skip Windows 8 and 8.1 and migrate directly to Windows 10.
Gartner has predicted that at least half of enterprises will have started some production deployments by the beginning of 2017, with an eye to completing their migrations in 2019.
The ATM Industry Association, founded in 1997, is a global non-profit trade association with over 10,500 members in 65 countries. The membership base covers the full range of this worldwide industry comprising over 2.2 million installed ATMs.