BIOMETRIC IN DISTANCE BANKING: SECURITY AND PROSPECTS

Introduction. The relevance of the development of biometric technologies in the modern world is due to its wide use in various fields: forensics; when accessing secret facilities, crossing state borders, issuing visas, when recording working hours and registering visitors; in voting systems; social projects, etc. It spread to the sphere of banking. Biometrics in banking have found use in authenticating customers and maintaining security during digital banking transactions and account access. Biometrics consists in the authentication of a person, the use of his unique properties, and not in the possession of certain means (code, login, password, payment card), which can be used by unauthorized persons. The advantages of biometric user identification systems are indisputable, including speed of authentication and data processing, affordable price, and convenience. The rapid spread of the use of biometrics in banking, the emergence of new methods and their adaptation to the financial environment necessitate further research on this topic. Purpose. The purpose of the article is to characterize and systematize authentication methods in banking, to identify strengths and weaknesses, to assess development prospects, to use them in order to increase the security of authentication, to facilitate data processing and storage. Materials and methods. The research materials are: 1) the works of domestic and foreign authors engaged in the study and research of biometric methods of identification, their adaptation to various spheres of human life; 2) statistical data on the distribution and dynamics of the use of various methods of authentication and data storage, various case studies on the practical aspects of biometrics and solving the identified problems. In the process of carrying out the research, the following scientific methods were used: theoretical grouping and generalization (to identify the peculiarities of the methods of authentication of persons, stability of results, disclosure of various aspects of biometrics, advantages and disadvantages, development trends); formalization, analysis and synthesis (to build schemes for increasing the security of processing and saving data with the help of AI, Machine Learning, cloud environment); logical generalization of results (when formulating conclusions).