Next-generation KYC banking verification via embedded smart keyboard

金融欺诈仍然是英国和其他国家人民面临的一个主要问题。在英国，2022年金融欺诈造成了12亿英镑的损失（UK\_Finance），其中约3000万英镑的损失是由于移动银行欺诈造成的（This\_Is\_Money,2022）。手机银行诈骗通常是通过偷来的手机发生的，犯罪分子使用复杂的方法通过下载的应用程序重写或破解密码来访问银行账户。93%的英国人使用网上银行（Finder,2023），难怪这个数字在整体欺诈损失中占很大比例。银行努力防止欺诈，平均将总预算的10%用于网络安全（NoWires，2021年）。这些工作的一个关键部分是以了解您的客户（KYC）验证的形式出现的，因此银行确定客户是试图访问其帐户的人。随着智能手机的普及，人们越来越关注内置技术（例如通过Face ID进行面部识别），以增加新的安全层。一个具有很高潜力但没有现有安全用途的KYC途径是跟踪应用程序键盘上的按键/输入模式。这可以通过为每个用户构建单独的击键模式来实现，如果有人试图使用异常键入模式登录，则使用自动标记和请求额外验证/帐户冻结。在THINGTHING，我们有理想的定位来开发这条新的KYC大道。我们目前提供流行的预建虚拟键盘，即Fleksy软件开发工具包（SDK），在欧洲和美国的受欢迎程度和下载量排名第五，仅次于苹果、谷歌和微软等主要技术公司。我们有许多银行客户已经在使用我们的技术，并且都对利用Fleksy键盘作为一种新型KYC工具的潜力表示了极大的兴趣。这是一个完全颠覆性的网络安全机会，市场上没有势均力敌的竞争对手。网上银行的KYC验证目前依赖于密码、面部ID和/或指纹ID，没有提供商提供按键跟踪。没有键盘的竞争对手利用击键跟踪为银行提供额外的安全保障。市场霸主（如微软、苹果和b谷歌）只提供键盘，不能出于任何目的访问底层/捕获的数据。这是一个独特的机会，可以快速向需要紧急解决方案的银行提供一种新颖、高效的KYC安全工具，帮助打击英国及其他地区的高水平金融欺诈。

Financial fraud continues to be a major problem for people in the UK and beyond. In the UK, £1.2bn was lost to financial fraud in 2022 (UK\_Finance), with ~£30m of that specifically lost due to mobile banking fraud (This\_Is\_Money,2022). Mobile banking fraud usually occurs through stolen phones, with criminals using sophisticated methods to override or crack passwords to access bank accounts via downloaded apps. With 93% of Britons using online banking (Finder,2023), it is no wonder this figure is a significant proportion of overall fraud losses.Banks work hard to prevent fraud, spending an average of 10% of total budgets on cybersecurity (NoWires,2021). A key part of these efforts comes in the form of Know Your Customer (KYC) verification, so the bank is certain the customer is the one trying to access their account. With the proliferation of smartphones, focus is increasingly turning to in-built technology (e.g. facial recognition via Face ID) to add new layers of security.One KYC avenue with high potential yet no existing security use is tracking of keystrokes/typing patterns on in-app keyboards. This would work by building an individual keystroke pattern for each user, with an automatic flag and request for additional verification/account freeze if someone attempted to log in using an anomalous typing pattern.At THINGTHING, we are ideally positioned to develop this new KYC avenue. We currently offer a popular pre-built virtual keyboard, the Fleksy software development kit (SDK), that ranks fifth in Europe and the USA in popularity and downloads behind major technology incumbents such as Apple, Google and Microsoft. We have many banking customers already utilising our technology, and all have expressed significant interest in the potential to utilise the Fleksy keyboard as a novel KYC tool.This is an entirely disruptive cybersecurity opportunity with no close competitor on the market. Online banking KYC verification is currently dependent on passwords, Face ID and/or fingerprint ID, with no provider offering keystroke tracking. No keyboard competitor is utilising keystroke tracking to offer an additional layer of security to banks. Market dominants (e.g. Microsoft, Apple and Google) offer only the keyboard, with no access to underlying/captured data for any purpose.This is a unique opportunity to rapidly deliver a novel, highly effective KYC security tool to banks that are calling for an urgent solution, helping to combat relentlessly high levels of financial fraud in the UK and beyond.