Biometric systems are increasingly used in the financial sector as a fairly effective means of identifying clients and users. Pochta Bank, which has long launched a series of projects based on facial recognition, shares its results.

There are a variety of biometrics: speech, face, fingerprints, iris, etc. Companies want to use available biometrics tools to solve emerging problems and speed up customer service.

“We are considering all possibilities, but we are using those that we consider feasible - preferably quickly, inexpensively and with the required degree of efficiency,” says Pavel Gurin, Advisor to the Chairman of the Board of Post Bank.

The bank now uses fingerprints and facial images, as well as voice, in identification processes. Fingerprints are used for verification when logging into a mobile application, and this modern method is receiving positive feedback from customers. But there is one more main task to be solved - to integrate other methods of reliable identification into the mobile application, giving clients the opportunity not only to receive information services, but also to perform active operations: transfers, transactions with deposits, obtaining loans.

Identification of a person by face becomes especially relevant after the appearance of the “fake finger” - an implant that can mislead biometric security systems. However, it is important to make sure of the “liveness” of the provided image (lifeness), since in remote channels attackers have much more opportunities for various manipulations.

The face recognition system on the VisionLabs Luna platform is used most actively, and in three directions at once. Companies can use it to identify their employees who work in corporate systems and have access to sensitive information, as well as to recognize customers at all stages of the credit process. In addition, it is often resorted to to serve clients if they come to the office without a passport, or when employees have doubts that the person is who he claims to be.

“Face recognition is a good engine, but it won’t go anywhere on its own,” Gurin emphasizes. - He needs a chassis to apply his efforts and “fuel” that will be supplied to the input. It is important to understand where this technology is applicable and be able to integrate it into operational processes.” The facial recognition system began to be implemented back in the days of Leto Bank, after which it became part of the Russian Post structure, the project became the largest of its kind in the world.

“When a new client comes to us, we photograph him and at that moment we can check the availability of his data in the existing database according to certain rules,” continues Gurin. First, it checks to see if he is a known scammer. Secondly, does his image match the photographs in other client records (in some cases - for example, when replacing a passport - such a match is legitimate). But a change in the face of an existing client is definitely a reason for litigation.

However, such a seemingly positive fact as a complete match of the photograph taken with an existing one should also make you wary. Most likely, for some reason the bank employee used an old photograph of the client, and then there is reason to suspect this employee of dishonesty.

It is worth noting that facial recognition has gone through quite a long evolutionary path over the past few years. It has become possible to reliably recognize women with “combat” makeup, as well as people who change with age, gain weight or, conversely, lose weight. Neural networks have taken a step forward, and now the machine recognizes people better than a person - turning the head 45 degrees, glasses, or facial hair is no problem for it.

Disciplining effect

“We are a bank and we know how to count money. And that’s why we actively use technologies related to image recognition,” emphasizes Gurin. Cameras are inexpensive; at one time the bank bought them for several hundred rubles. Now the price, of course, has changed somewhat. This is purely a matter of expediency: if it were necessary to protect one centralized storage of money, all available biometric technologies would be used. This would be a very expensive solution, but acceptable for a one-time mission-critical task. The number of Post Bank branches is measured in tens of thousands, and the funds spent in excess of the norm on their arrangement result in very significant sums. It is facial recognition based on photographic images that has become the most effective tool for solving several problems at once.

The cost of the implemented solution turned out to be within 10 million rubles, and server capacity and support increased the cost of the project by another two to three times. However, the financial results obtained allow us to say that the project has long since paid off.

“When we conducted the first analysis of our client base, whom we had been photographing for several years, we found photographs of Brad Pitt and other celebrities, animals, palm trees and chairs,” says Gurin. Since the bank has 4.5 million clients, and during its operation it processed applications from a much larger number of people, this is not surprising. It is obvious that in the absence of effective control, the rules for processing loan applications were grossly violated. Now it is possible to combat such dishonesty of employees.

The very presence of biometric identification systems has an impact on reducing the number of incidents. When it becomes known that a bank uses such technologies, the number of fraudulent activities decreases sharply. Attackers use word of mouth, and employees learn from their mistakes.

“During the pilot stage, in the first time after the launch of the recognition procedure, there were a lot of cases when similar faces were found on different clients,” says Gurin. “When the bank officially announced the presence of a biometric identification system, there were much fewer incidents, and now we can say that the number of people caught in the act is relatively small.” In 2016, the system detected 4.5 thousand reused photos, and the issuance of new loans based on them was not allowed. 9.2 thousand obviously fraudulent applications were caught, when a person unknown to the bank came for a loan and presented a passport that was already in the bank database. Questionable transactions totaling RUB 1.5 billion were prevented. Although in fairness it should be noted that probably not all of them would ultimately end in loss of money.

Law enforcement agencies managed to hand over only four scammers. Detaining them in the absence of police officers is not an easy task. However, the bank does not focus on this: it is much more important to prevent fraud and not risk your money.

As for the system for authenticating your own employees, the savings from replacing SMS information when logging into the system for taking photographs amounted to 3.5 million rubles. in year. In addition, more than 600 attempts to log into systems using the accounts of their colleagues were prevented. Among other things, this was due to attempts to pass exams for other people in a completely distance learning and knowledge control system. The presence of a mass of untrained and unwilling employees, and even ready for fraudulent actions, could not please the management, but now such possibilities of deception on the part of the staff are completely excluded.

A tangible manifestation of the system’s operation is also in reducing the role of the human factor and speeding up service processes. No bank wants to make life difficult for bona fide customers. A significant part of the functions for checking passports and identities of citizens has been transferred to biometrics. Operations began to take place much faster - customers like it and saves time for employees.

Tags:

Pochta Bank, Pavel Gurin, VisionLabs, Luna, facial recognition, biometrics

On the same topic:

Kazpost has implemented facial recognition

Kazpost has completed the first stage of the project to implement a biometric verification system for clients of the credit system based on the solution of the Technoserv company. Like Russian Post, the operator provides banking services to the population, so preventing fraud is an important task for it.

5 key trends in digitalization of banking business

The vast majority of banking executives surveyed by Accenture acknowledge that the pace of technology innovation at their organizations has accelerated significantly over the past three years. Specifically, 73% of banking executives believe that social, mobile, analytics and cloud (SMAC) technologies have driven widespread change.

The Central Bank wants banks to collect biometric data of their clients

The Central Bank of the Russian Federation has developed a bill that, if adopted, will oblige all banks to collect biometric data of Russians - facial images and voice samples (so-called voice casts). For this purpose, special equipment will be installed in bank branches in all regions of presence, with the help of which a unique electronic “card” with a face image and voice cast will be created for each client.

Otkritie launched the Open Garage project

Otkritie Bank is launching the Open Garage project, which unites three existing areas of the bank: Digital, IT and Innovation. The key objective of the project is to develop the digital and IT sphere in order to form an open community of the best representatives of the industry.

Leading Russian banks are planning to introduce technology for remote recognition of clients using selfies, Izvestia reports. First of all, Sberbank, VTB24, Citibank, SMP-Bank and some other credit organizations are interested in the innovation. Along with convenience and comfort, banks guarantee high levels of security and reliability, but not all experts believe that this is possible. The editors of “360” weighed all the pros and cons of such innovations.

The very idea of ​​biometric identification in the banking sector is not new. Representatives of Sberbank told “360” that a similar system has been used in the institution since 2014 - when issuing loans, the client’s photo is compared with the photo in the passport.

Taking a photograph is a familiar and convenient process for most clients, which is why we consider facial biometrics one of the most important parts of our biometric system

Press service of Sberbank.

The head of the credit department of Citibank, Ksenia Mukhorina, in an interview with 360, noted that the institution uses similar technologies all over the world, including in Russia. However, in our country, customer facial recognition is not yet used, which cannot be said about fingerprints - with their help you can log into the bank’s mobile application.

We can talk about biometrics as a growing trend in the field of customer authentication, taking into account the improvement of [remote banking] systems and the desire of banks to be as convenient as possible for the client

Ksenia Mukhorina.

Representatives of both banks emphasized that the key issue in the further implementation of biometric technologies is their security. Therefore, you should not expect that they will completely replace traditional methods of client identification. It is likely that biometrics will become an additional guarantee of security when providing remote banking services.

It must be taken into account that biometrics is mathematics, so it must be used wisely, correctly weighing the risks, which is why we are building a comprehensive system when different types of biometrics are used in combination and together with traditional methods, which allows us to achieve high reliability indicators

Press service of Sberbank.

First of all, banks think about data security and the quality of customer service, and biometric authentication is clearly an effective tool. Citibank has its own innovative fintech division in the US with several laboratories in different countries. We develop and launch new solutions, including in the field of biometric authentication using fingerprints, voice, photo

Ksenia Mukhorina.

Project manager at B&N Bank Vyacheslav Karnaushevsky also confirmed to 360 that the institution is considering the possibility of introducing biometrics to identify bank clients.

Binbank is considering this possibility. Biometric services have proven themselves well as an authentication tool for transactions. During 2017−2018, the bank plans to implement a program for introducing biometric services, including identification/authentication by photo, palm pattern, voice

Vyacheslav Karnaushevsky.

Representatives of VTB24 also shared with 360 their plans to introduce biometrics. At the beginning of this year, the bank completed a pilot project on voice identification of clients when contacting the contact center - this allowed both to significantly increase the volume of audited transactions and to minimize the risks of clients and the bank.

In addition, the credit institution launched a project for biometric identification of clients by appearance in a new type of office with paperless services.

Clients sign only electronic versions of documents. At the same time, in addition to traditional identification using a passport, the bank offers authentication on a tablet, which additionally confirms that this person signed the documents on a certain day and time

VTB press service.

I don't recognize you in makeup

RIA Novosti / Vladimir Pesnya

Europe's largest commercial bank, HSBC, can be considered one of the main pioneers in the mass use of biometrics to identify clients. The advertising slogan for the Voice ID service states that using your voice to access accounts is completely safe, because each voice is unique. The institution said that the recognition process uses about 100 different characteristics of the human voice. It is not surprising that there were those who decided to test this axiom in practice.

In May, BBC Click reporter Dan Simmons opened an account with HSBC and chose the Voice ID service to access the account. After that, he asked his twin brother Joe to try to imitate his voice and get identified at the bank.

At first, the system did not buy this joke. And then she gave Joe seven more attempts to get authorized. The latter was a success. Despite the fact that the twin brother was unable to withdraw money from the account, he received access to the history of recent transactions and the ability to transfer funds to other accounts.

Expert assessments

RIA Novosti / Alexey Danichev

Experts agree that using biometrics to identify bank clients carries a certain risk. Nikolai Komlev, a member of the expert council of the State Duma Committee for the Development of Information Technologies, in a conversation with 360, said that potential fraudsters can not only look for loopholes in biometric systems, but also exchange this information with each other.

As soon as it becomes known what algorithms the program of a particular bank uses, they will disseminate this information in their circles. Some programs place more emphasis on the eyes, others on the shape of the nose. But the shape of the nose can be changed with makeup

Nikolay Komlev.

Director of Methodology and Standardization at Positive Technologies Dmitry Kuznetsov told Izvestia that the technical characteristics of cameras on inexpensive smartphones or various image-enhancing modes may force financial institutions to expand the permissible amount of error in recognition programs.

At best, algorithms for matching selfies and passport photos will not allow identifying a client on the first try. If banks begin to neglect the accuracy of identification, fraudsters will have the opportunity to select “similar” people, whom matching algorithms will identify as current bank clients

Dmitry Kuznetsov.

Gleb Cherbov, deputy director of the security analysis department at Digital Security, told the publication that in our time, attackers may not even have to select “similar” people - all the photographs necessary for this can be openly available on users’ social network pages.

Gleb Cherebov.

Despite this, Komlev is confident that banking software developers will apply enhanced security measures and will generally be able to resist fraudulent attacks. At the end of the conversation, he noted that the potential benefits of such an innovation are worth continuing its development.

This is a natural trend. I think that within a few years the system will begin to recognize clients, greet them, and invite them. All this can be convenient, including for elderly people who find it difficult to remember passwords, ciphers and digital codes. And even when they enter them, they ask strangers to help them and say out loud all the secret data

Nikolay Komlev.

people shared the article

September 8, 2016 22558

From time to time, people who try to take photographs in a bank building are faced with polite, and sometimes not so polite, complaints from employees of financial and credit institutions. They say you can’t withdraw from banks.

If you ask - Why?— they will tell you that there are internal instructions that prohibit photography in banks. You can enter the discussion and try to prove that there is nothing prohibited in such acts. Especially in a situation where almost every pocket contains a smartphone, and, as you know, you can’t assign a police officer to every pocket.

But usually discussions on the topic of photography end in insinuating conversations with security officers...

Therefore, we decided to send a person from the editorial office to the banks so that, under the guise of a tourist, he would change the currency, and at the same time click the camera, admiring the architectural beauty of the Belarusian banks.

The choice fell on the editor-in-chief - anyway, he doesn’t do anything, he just drinks coffee and changes the letters in words. Let him go and dispel. We handed him a large camera, which, however, is inferior in image quality to most 13-megapixel cameras in smartphones, a voice recorder and 2 metro tokens, so that our representative, like everyone else, would get to the Frunzenskaya metro station, near which, as you know, there are many banking offices.

The shooting conditions were determined as follows:

• a journalist with a large camera hanging around his neck walks into a bank and just takes pictures
• the journalist does not take portrait photographs of bank employees
• we do not take photographs at the cash registers

Please don't take pictures of anything on the sly!

The first office I decided to go to was Regional Department No. 7 of Technobank on Melnikaite, 8. First, a photo of the entrance so that CCTV cameras, if there are any, will capture the hapless paparazzi.

All infrastructure is clearly visible

I go inside and in front of me is a counter with a consultant and a security officer. I take a ticket from the electronic queue device by pressing a button "Currency exchange operations", and I was immediately invited to the cashier.

I change Belarusian rubles for 5 dollars, thank the cashier, leave the booth, turn around and take a photo of the closed cash register door. A security officer standing 3 meters away from me asks in surprise:

- What do you have there, please?

— I take a photo of the cash register.

— Did you just like the first cash register?

- Yes.

— I’m checking whether it’s possible to take photographs in the bank.

— Actually, the bank asks: “Is it possible?”

— What if I go to the operating room and take a photo there?

- You need to be given permission. The operating room has its own department head, who must give permission to photograph the operator or group of operator. And then there will be no questions.

Our conversation with the Security Service officer began with this photo.

The conversation is proceeding extremely correctly. Although the consultant standing next to the security officer looks at me with literally amazed eyes and asks her colleague:

— Is it even possible to take photographs in a bank?

- If they give the go-ahead, then you can,- the man answers.

- What if they don’t?— the girl is interested.

- Sorry then.

I politely ask if it is possible to go into the operating room and take a photograph. A security officer escorts me to the operating room, where he asks the head of the unit:

— Alla Vladimirovna, a man wants to take a picture of the hall.

- Hmm, I don’t even know if it’s possible to take pictures here,- the girl answers. All the operators look at me very surprised. It feels like I was the first person to come to RU No. 7 with the desire to take a photograph of the unit. Well, Gagarin, so Gagarin :)

Then follow several clarifying questions, such as why do I need a photo, and where am I from..

After this, the head of the unit contacts the head of the department, who offers to coordinate this issue with the head of the Security Service. I am again escorted to the counter at the entrance, where the head of the Security Service is invited.

While we are waiting for the boss, I explain to everyone that the bank is not a sensitive facility, and by law you can take photographs here. Again, the conversation proceeds calmly and politely. The head of the Security Service department, Igor Vasilyevich, appears. He examines me carefully and inquires about the purpose of my visit. Let me explain that I’m writing an article about whether it’s possible to take photographs in a bank.

It took the person in charge of the Security Service less than 10 seconds to “pump up” me - my eyes were losing their guard. They explain to me that in order to film in the department, you need to get permission from the head of the department, Elena Petrovna. They take me to her.

On the way, they ask me if I have any documents other than my passport. I answer that no.

— The approval of the Security Department is definitely required, there was even a corresponding order on how to obtain approval. All filming is coordinated,” answers the head of the department, Elena Petrovna.

I am then taken into an inner room where I am asked to wait a few minutes. They bring Ekaterina, the head of the marketing department, to me, who once again politely inquires about the purpose of my visit.

I repeat that I am writing an article about whether it is possible to take photographs in banks, that modern smartphones sometimes produce a picture quality that makes the images of many large cameras pale in comparison. And that my goal is not to provoke Technobank employees.

— According to our internal regulations, photography and video shooting in the bank is prohibited, only with our consent, — Ekaterina explains the current situation to me. — For example, if I want to film a story, I write a document addressed to our Chairman of the Board asking whether it is possible for me to organize filming. If he agrees, I notify the Security Service, and only then such work is carried out. If you decide to just come and start taking photographs, then we will not allow you to do this.

She also explained:

— If a client, sitting on the sofa, takes a photo of exchange rates, then no comments will be made to him. Because it is clear that he does this for himself and does not bother anyone, does not photograph other people, or any operations - anything that can be compromised. But you can’t just come to the bank and start taking photographs. If you had contacted me yesterday, I would have coordinated a shoot for you today.

— But the Belarusian law does not prohibit coming to the bank with a camera,- I try to “protest a little”.

— There are internal documents that regulate the work procedure. According to our internal instructions, this is not possible. If you can take photos somewhere, this is our procedure. Our CCTV cameras can get into your frame, why show them to the public. When your Consumer Experience correspondent takes a photograph of something, he does it for work, he takes a receipt, a line - something that we are not afraid of the consequences of. But what gets caught in your professional lens may raise questions. So please don't take pictures of anything on the sly.

I thanked Ekaterina, after which the Security Service escorted me to the exit.

I repeat once again, the conversation with all Technobank employees was calm, polite and constructive. I have no complaints against them. And the fact that they weren’t allowed to take a photo of the operating room, well, they don’t go to someone else’s monastery with their own charter, although this is also not prescribed by law anywhere :)

Let's take a photo of the Head Office :)

Beautiful design - looks especially good against a blue sky

Inside, I said hello to the girl at the reception, took a coupon from the electronic queue device, turned my back to the bank employee and took a photo of the hall. I hope I had a good view of all the CCTV cameras.

Operating room. I repeat, my camera is large in size, but it takes pictures almost an order of magnitude worse than my smartphone

The video surveillance system was also caught in the lens - top, left

And this is the second half of the operating room on the first floor

No one stopped me, no one came up, no one asked what I was doing. I only noticed a slightly surprised look from the girl at the reception.

So I just had to pick up and leave the hospitable BSB Bank.

"Tourist" decides to go wild

With each new photo, my feeling of “permissiveness” only increased. To cool him down, I hurried to the Minsk branch of the Central Bank of BelVEB Bank, which is guarded not only by Security Service officers, but also by police officers.

Minsk, st. Zaslavskaya, 10, Bank BelVEB

There is a sign on the wall opposite the entrance, and a CCTV camera nearby. I "lit up"

Third floor. Operating room

I walk around the perimeter fence around the lobby that rises to the pyramidal ceiling. And, of course, a photo for memory :)

After I completed the foreign exchange transactions and headed back, my attention was drawn to the cups standing on the shelf above the head of one of the bank employees...

Aren't they beautiful cups?

Theoretically, if it were forbidden to take photographs at BelVEB Bank, then my wandering around the floors and indefatigable photography would have long ago attracted the attention of the entire Security Service. However…

At the consultant's desk, on the first floor, stood a girl - an employee of BelVEB Bank and a policeman. They looked very carefully at the “tourist” with the camera turned on, but said nothing.

Because you can take photographs in Belarusian banks according to Belarusian laws. And the law is the law. We asked the director of EUS BEL LLC to comment on the situation with photo and video shooting in financial institutions ( European Legal Service in Belarus). Opinion of a professional lawyer:

Speaking about video recording in various places open to public visits, it is interesting to see How is this issue regulated by law?. In this case, it is necessary to take into account the hierarchy of regulatory legal acts, as well as the correctness of their interpretation and application.

Let's start, perhaps, with the basic Law of the Republic of Belarus - Constitution. So, in accordance with Article 34 of the Constitution, citizens of the Republic of Belarus are guaranteed the right to receive, store and disseminate complete, reliable and timely information about the activities of government bodies, public associations, political, economic, cultural and international life, and the state of the environment.

Next, we mention the first principle of regulation of information relations, specified in Article 4 of the Law of the Republic of Belarus dated November 10, 2008 No. 455-Z , which sounds like the principle of freedom to search, receive, transmit, collect, process, accumulate, store, distribute and (or) provide information, as well as use information.

It would seem that the basic principles (regarding the methods of obtaining, accessing and using information) do not define any restrictions or prohibitions, which allows every person freely exercise your legal rights.

However, when moving to the information itself, as an object, we still note that there are limitations.

In Article 15 of the Law “On information, informatization and information protection” The following types of information are assigned, depending on the access category:

• public information
• information, distribution and (or) provision of which is limited

Public information refers to information the access to, distribution and (or) provision of which is not limited.

However, there is a whole list of information limited by law. This includes:

• information about the private life of an individual and personal data
• information constituting state secrets
• restricted proprietary information
• information constituting commercial, professional, banking and other secrets protected by law
• information contained in cases of administrative offenses, materials and criminal cases of criminal prosecution authorities and courts before the completion of the proceedings
• other information, access to which is limited by legislative acts of the Republic of Belarus

So, For example, it is prohibited to take photographs and videos at checkpoints on the State Border (Part 2 of Article 43 of the Law of the Republic of Belarus dated July 21, 2008 No. 419-Z “On the State Border of the Republic of Belarus”).

It is prohibited for passengers on board an aircraft to use video, photo, or film cameras, regardless of their position, without the appropriate permission (clause 64 Aviation Rules for air transportation using state aviation of the Republic of Belarus, approved by the Resolution of the Ministry of Defense of the Republic of Belarus dated 01/08/2014 No. 2). And some other cases.

Thus, in shops, markets, in banks , in public catering establishments, at train stations and airports, in healthcare institutions and churches You can conduct video and photography . Because this is public places , open to the public.

At the same time, there is a tendency when some representatives of the administration of such places try to prohibit photography by issuing special “internal” documents for this purpose. Are they right?

In accordance with Article 65 of the Law of the Republic of Belarus “On regulatory legal acts”, regulatory legal acts relating to the rights, freedoms and duties of citizens come into force only after their official publication . Regulatory legal acts are published after their inclusion in the National Register of Legal Acts of the Republic of Belarus.

Thus, if a legal act introduces obligations for an indefinite number of persons, for example, it prohibits video recording, photographing objects that were not previously prohibited, or in places where this could previously be done (for example, in places accessible to public visits) He it should be included in the National Register and published , otherwise it has no legal force. Such a document cannot be "internal".

To summarize the above, I would like to note that the legislation of the Republic of Belarus does not directly prohibit photography and video shooting in banks, both for “curious” citizens and for journalists performing their professional duties.

In addition, for the latter, the legislation provides a special opportunity, without violating anyone’s rights and legitimate interests, to fulfill the professional duties assigned to them.

So, in accordance with subclause 4.7. paragraph 4 of the Law of the Republic of Belarus dated July 17, 2008 No. 427-Z "About the media" A mass media journalist is required to obtain the consent of individuals to conduct audio and video recordings, filming and photography, with the exception of their conduct in places open to public attendance, at public events.

In conclusion, we note that there is another opinion that photography and video shooting can be prohibited on the basis that it is a violation of banking and (or) commercial secrets.

However, in accordance with Part 1 of Article 121 Banking Code of the Republic of Belarus dated October 25, 2000 No. 441-Z, bank secrecy is and is not subject to disclosure of information about accounts and deposits (deposits), including the existence of an account with a bank (non-banking financial institution), its owner, account number and other details, size funds in accounts and deposits, as well as information about specific transactions, transactions without opening an account, transactions on accounts and deposits, as well as about property stored in the bank.

A trade secret regime in relation to information can be established on the condition that the information constituting it is not generally known or easily accessible to third parties in those circles that usually deal with this kind of information, has commercial value for its owner due to being unknown to third parties, is not objects of exclusive rights to the results of intellectual activity and are not classified in the prescribed manner as state secrets. (Clause 140 Civil Code of the Republic of Belarus dated 07.12.1998 No. 218-Z).

Thus, in the case of photo and video shooting in a bank branch, one cannot speak of a violation of banking or commercial secrets. It should also be noted that establishing a ban on such filming in the bank’s local documents limits the right of citizens to information established by the Constitution.

Mass media journalists, when carrying out their professional activities, are also guided by the Constitution of the Republic of Belarus and acts of legislation of the Republic of Belarus.

Today I opened a deposit account at Moskomprivatbank, and upon opening they offered to take a photo. They issued an information card (not a credit or debit card, you can simply find out the account balance by the PIN code), I took it in my hand and they took a photo of me. Now I’m wondering why I did it. Still, I haven’t seen such requirements anywhere, and are they legal?
Why do they need my photo with a photograph, what could this turn out to be?

Hello, Moscowman. Now many banks have started taking photographs of their clients when opening accounts. A passport photo does not always say everything about a person. Banks try to minimize their risks, including by obtaining the most complete information about the client. I can say with confidence that your photo will be stored in the bank’s internal documents and no information about you will become available to third parties.
It is also possible that a bank employee needed your photo for some kind of reporting. And even in this case, you have nothing to worry about. All information about clients is internal information, which is a bank secret.
Good luck to you!

When opening a deposit at Moskomprivatbank they asked to take a photo

1. People also work in the bank, so information sometimes goes to the left
2.The bank's demands are indeed illegal. I advise you to either change the bank, or submit a written request to the bank management about the reasons for taking photographs and write a complaint to the Central Bank.

When opening a deposit at Moskomprivatbank they asked to take a photo

Jenya, you are spouting information about the illegality of this or that bank action, without backing up what you said with any specific legislative acts... I don’t know of such a law prohibiting banks from photographing clients, for example.

Moscowman, I think the photo is taken by mutual consent, but... If you did not refuse, the bank automatically assumes that you agree.
And there is nothing to worry about this - the usual compliance with formalities.

When opening a deposit at Moskomprivatbank they asked to take a photo

Evgeniya, you can’t even read the message. I said the demand is illegal. There is no law prohibiting, for example, undressing when opening a deposit. But is such a DEMAND legal? They can ask for anything, they demand only within the framework of the law.

When opening a deposit at Moskomprivatbank they asked to take a photo

I agree, I shouldn’t have attacked. If the requirements are the key to considering the issue, then the bank does not have such rights.

But Moscowman independently presented the situation in this form. I think it’s unlikely that clients are required to take photographs...

When opening a deposit at Moskomprivatbank they asked to take a photo

I won’t be surprised that Moskomprivat may demand it. Because I heard a lot of amazing and bad things about him, plus he has the head bank Privat in Ukraine, many legends are also made about him. I just don’t understand the point - there is a photo in the passport, but his sulfur is in the dossier. I see only one conclusion - to strain the client.

When opening a deposit at Moskomprivatbank they asked to take a photo

Excuse me, please, what is “client tension” expressed in? The client is asked to look into the camera standing on the account manager's desk. This is not a photo shoot where you need to take different poses and change facial expressions. This can be done, for example, in case of doubt whether to open an account or not; or, if in case of refusal to open an account, the person will contact another branch of the same bank so that the employees know such a client by sight. And you never know how many such situations exist. Jenya, you yourself are a bank employee, don’t you understand why a client’s photograph might be needed?

When opening a deposit at Moskomprivatbank they asked to take a photo

Nata, this is how it works, first take a minute in the photo, then a minute on the painting on 150 pieces of paper, then wait a minute while the managers consult with each other. You'll just sit there for an hour. And then it will take a minute for the police to check your documents. Are you ready to show them at every intersection?

When opening a deposit at Moskomprivatbank they asked to take a photo

Apparently this is my question again? I just don’t associate the name Nat with myself.
Well, you know, to be honest, I don’t mind presenting documents, taking photographs, or providing additional documents if the bank needs them, for example. All my documents are in order and I have nothing to fear. And in order to save time, I just choose a bank. which has good remote service. When you enter a foreign country and are photographed at passport control, do you also begin to resist? Or is it more important for you to enter the country without problems.
The bank has a rule - to take photographs of its clients. I don’t like it - there are banks, sorry... a whole bunch. Choose - I don't want to.