CommBank, first direct embrace Face ID for iPhone X app login

CommBank, first direct embrace Face ID for iPhone X app login

Commonwealth Bank of Australia has become the country's first bank to let customers access their accounts using the new iPhone X's Face ID technology. In the UK, first direct is the earliest out of the starting blocks, switching all apps on the new phone over to facial recognition.

The feature was rolled out on Friday, when the iPhone X went on sale globally, replacing Touch ID, the fingerprint scanning authentication method used on older iPhones.

Face ID works by projecting 30,000 invisible infrared dots when the user looks at the phone, checking the pattern against a stored image in real time. Data is stored on the handset.

Apple insists that the technology cannot be tricked by photos or even masks and that it is smart enough to recognise users if they wear a hat or grow a beard. Data is stored on the handset.

The chances of a stranger unlocking a phone with Face ID are put at one in one million, compared to one in 50,000 for Touch ID.

“Our customers use secure fingerprint logins on the CommBank App about 30 million times a month,” says Pete Steel, executive GM, digital, CBA.

“Extending that functionality to Face ID is part of our ongoing work to provide a better banking experience to our customers through simple, easy and secure features."

Delivering Face ID is just one part of the equation, as banks also have to redesign their mobile site to fit a new set of specs specific to the iPhone X screen. First direct says it has optimised its mobile app to give iPhone X customers a seamless user experience from the off.

Joe Gordon, head of first direct, says: “First direct is known for pioneering amazing customer-focused services, so we’re excited to be able to deliver a fully optimised Banking App hot off the heels of the iPhone X release."

Comments: (4)

A Finextra member
A Finextra member 03 November, 2017, 17:07Be the first to give this comment the thumbs up 0 likes

Tried it. Apple's done it again: it is an impressive piece of kit indeed, with FaceID setting the global standard everyone will follow.

A Finextra member
A Finextra member 03 November, 2017, 17:13Be the first to give this comment the thumbs up 0 likes

Really?  Most of the reviews suggest that it's fussy about how close you hold it to your face, doesn't work well in bright sunlight or under folourcesent lighting and is generally more inconvenient than touchID which was never broken?

A Finextra member
A Finextra member 03 November, 2017, 17:36Be the first to give this comment the thumbs up 0 likes

Fluorescent was not a problem. Haven't tried the bright sunlight. FaceID vs TouchID - the later doesn't work well with wet (even wiped) fingers, so no tech is 100% perfect. Face recognition is going to prevail in general - think about mass transit, for example. Face is much harder to fake (especially with infrared tech) than a fingerprint.

Ketharaman Swaminathan
Ketharaman Swaminathan - GTM360 Marketing Solutions - Pune 03 November, 2017, 18:20Be the first to give this comment the thumbs up 0 likes

I use Android but need to keep abreast of iOS for professional reasons. From what I know, there's no space in iPhone X's bezel-less design to accommodate a fingerprint reader on the front. Ergo Face ID - not because TouchID is broken. Similar to why X lacks a home button - not because the home button is broken:). Of course that logic leaves the question unanswered as to why X didn't place a fingerprint reader at the back of the handset a la Samsung S8 and a few other bezel-less phones.

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