At the end of last year, ING began enrolling those willing to test the new security solution. It is about behavioural verification, i.e. a service consisting in analysing customer behaviour when using the transaction website. The resulting user profile allows the bank to detect fraud, e.g. attempting to log into the account or performing transactions by a person not authorized to manage a given bank account.

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As ING writes in information addressed to clients, anyone with an account at this bank can sign up for testing. You can also opt out of participation in the project at any time. Śląski emphasizes that the use of behavioural verification is not associated with any inconvenience. The whole process is to run "in the background", without the need for additional activities by the client. To sign up for the project, log in to your account and go to the "Data and settings" section, where you must select the "Consents and statements" tab and then accept the conditions for participation in the tests.

ING information shows that for customers interested in behavioural verification, whenever they use online banking, the bank will check how they use keyboards (e.g. the speed and frequency of hitting the keys), how they move and click using the mouse to scroll the screen or how they use the touch screen. At the same time, the bank declares that it will not collect information about what pages the user visits, what operations he performs, what services he uses, or what data he introduces.

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ING is the second bank on the Polish market that introduces a solution that uses the so-called behavioural biometrics. It is assumed that the way you use the electronic device is unique, as is the fingerprint or the pattern of hand blood vessels. Hence the possibility of building a behavioural profile that allows the bank to identify the customer. Perhaps thanks to behavioural biometrics one day you will not need logins and passwords. The first institution in Poland that implements solutions in this area is mBank, which cooperates with the company Centrum Bezpieczeństwa Cyfrowego, the owner of the Digital Fingerprints brand. Interestingly, the same company stands behind the implementation at ING.