ANALYTICAL STUDY ON THE IMPACT OF BIOMETRIC SYSTEMS IN BANKING SECTOR

The word biometric can be defined as "life - measure." It is used in security and access control applications to mean measurable physical characteristics of a person that can be checked on an automated basis. Although you may not think about it, your driver's license contains biometric information about you. Your height, weight, hair color and eye color are all physical characteristics that can easily be checked. However, your height changes with age (16 years old drivers get taller, senior citizens get shorter). Your hair color changes naturally (and on purpose). You can wear colored contact lenses that change your eye color; everyone's weight fluctuates over time. Biometrics-based personal authentication systems that use physiological (e.g., fingerprint, face) or behavioral (e.g., Speech, handwriting) traits are becoming increasingly popular, compared to traditional systems that are based on tokens. Traditional authentication systems cannot discriminate between an impostor who fraudulently obtains the access privileges (e.g., key, password) of a genuine user and the genuine user himself/herself. Furthermore, biometric authentication systems can be more convenient for the users since there is no password to remember or key to protect and a single biometric trait (e.g., fingerprint) can be used to access several accounts without the burden of remembering passwords. Although biometrics emerged from its extensive use in law enforcement to identify criminals (e.g., illegal aliens, security clearance for employees for sensitive jobs, fatherhood determination, forensics, positive identification of convicts and prisoners), it is being increasingly used today to establish user recognition in a large number of civilian applications.

KEYWORDS: Bio Metric, ATM Users, IT People, Fingerprints, Identify Criminals.


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