Next-generation KYC banking verification via embedded smart keyboard

金融欺诈仍然是英国和其他地区人们面临的一个主要问题。在英国，2022年因金融欺诈损失了12亿GB(英国金融)，其中约3000万GB特别是由于手机银行欺诈而损失(这是2022年的钱)。手机银行诈骗通常通过被盗手机发生，犯罪分子使用复杂的方法覆盖或破解密码，通过下载的应用程序访问银行账户。93%的英国人使用网上银行(Finder，2023)，难怪这一数字在总体欺诈损失中占有相当大的比例。银行努力防止欺诈，平均将总预算的10%用于网络安全(NoWires，2021)。这些努力的一个关键部分是了解您的客户(KYC)验证，这样银行就可以确定客户就是试图访问他们账户的人。随着智能手机的普及，焦点越来越多地转向内置技术(例如，通过面部ID进行面部识别)来增加新的安全层。KYC的一条具有很高潜力但目前没有安全用途的途径是跟踪应用程序内键盘上的击键/打字模式。这将通过为每个用户建立单独的击键模式来实现，如果有人试图使用异常打字模式登录，则会自动标记并请求额外的验证/帐户冻结。在THINGTHING，我们处于开发这一新的KYC途径的理想位置。我们目前提供流行的预置虚拟键盘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老牌公司。我们有许多银行客户已经在使用我们的技术，所有客户都对将Fleksy键盘用作KYC新型工具的潜力表示了浓厚的兴趣。这是一个完全颠覆性的网络安全机会，市场上没有密切的竞争对手。网上银行KYC验证目前依赖于密码、面部ID和/或指纹ID，没有提供商提供击键跟踪。没有一家键盘竞争对手利用击键跟踪为银行提供额外的一层安全保障。市场主导者(如微软、苹果和谷歌)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，可以为呼吁紧急解决方案的银行快速提供一种新颖、高效的KYC安全工具，帮助打击英国及其他地区无情的高水平金融欺诈。

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.