Lloyds Banking Group trials biometrics in user acceptance test

Bank partners with Microsoft in staggered roll-out of new security feature for Windows 10 users.

Lloyds Banking Group will collaborate with Microsoft to test biometric authentication for customer logging into the Lloyds Bank, Halifax, and Bank of Scotland online portals. The pilot will start in the second half of 2017.

Biometric technology uses unique markers, such as fingerprints or iris patterns, to verify the identity of the user of a service.

Under the scheme, a select number of Lloyds customers will be able to access their online banking by using their fingerprints or facial recognition. Biometric recognition is seen as a superior alternative to passwords – which can be forgotten or guessed by third parties.

Infrared cameras used on Windows 10 devices allow users to log into their accounts even in low lighting. Any biometric data is stored on the device locally to make sure that hackers cannot access it to impersonate the customer.

According to Ryan Asdourian, Windows and devices lead at Microsoft UK, customers will be able to log onto their online accounts in less than two seconds.

“With more than 400 million active users of Windows 10 able to take advantage of Windows Hello, it’s great to see a major financial services institution looking at how it can apply this technology to transform the customer experience,” he added.

Gill Wylie, chief operating officer, group digital and transformation, at Lloyds Banking Group said: “I am delighted we are the first banking organisation in the UK to work with Microsoft on Windows Hello, and excited to see how our customers use this feature.”

Windows 10 users can choose whether or not to use the biometric service, and they can continue to input a password to access their online banking.

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