In a crowded school morning, I was balanced between children’s bags, a cup of red tea and a simple decision to open a new account and pay activity fees before we miss the bus. There are no lines, no leaves, my phone, and my gold. Open the application, start gently and ask to verify the identity. Beautiful. Then the demands such as a list of purchases before the feast are poured out one time number and photographing the card from the front and back and my selfie while moving the head right, left and march and smiled a reasonable smile. Whenever everything and then the sentence that breaks the rhythm appears, it is not possible to get to know the face. O group, this is my face that I have used for years and not a trial version.
The intention is good .. Digital verification protects our accounts from two fraudsters who play the bank’s role in friendly messages. A term that is frequently repeated in this world appears in this world “KYC” and is an abbreviation to verify the customer’s identity. It is usually attached to a single term capable of confusion, that is, otp, that is, one -time password. The idea is sound, but the way to it sometimes looks like an endless checkpoint. What we need is a safety that resembles the smart guard who lives and leaves you pass when he knows you, not the hardline guard who stops you at every corner of the same question.
And when the systems work as the experience should become elegant and calm. A virtual agent, a baking, distinguishes the signature that is not passive and adopts the correct, without complication. Imagine a unified digital identity that eliminates you from returning the play in every bank, store and application. A digital card that saves your sensitive data safely and allows the approval of services with a slight gesture. And imagine that privacy is not a slogan on a label but rather clear settings explaining what will be used and why and with what limits and that your data will not turn into an advertising chase because you once searched for the money counting machine.
From the daily experience, I came out with three small tricks that help a lot .. Front lighting, no background so that the camera does not stumble you .. Installing the phone on a stable surface instead of the hand trembling between the screams of the children and the door bell .. Update the application and connect well before starting because the weakest moment of the Internet always chooses to be the moment of selfie .. There is an intuitive precaution that never hurts not to share your temporary symbol with anyone even if he claims that it is the technical rescue.
So that technology remains compassionate, we remember the needs of our elderly and those who do not have patience for the angles of photography and impossible lighting requests. The designers have the duty to put a clear assistance button, a human conversation when stumbling, short, understandable instructions, and a few steps that take into account that life has a voice outside the screen. The authorities must agree on uniform standards in order for the systems to speak the same language and the user gets one experience, not multiple exams.
In the end, I dream of a technique that works quietly and then moves away .. A digital identity guards us like a summer shadow that does not stand between us and the sun. When the regimes reach that human moment, we will forget their existence at all, we will join the bus, and we continue our day, as if everything happened automatically without spoiling the sip of the first tea.
* Technical expert
