Under the second paragraph of Article 76 of Banking Law No. 5411 dated 19/10/2005 and Article 43 of the Regulation on Banks' Information Systems and Electronic Banking Services published in Official Gazette No. 31069 dated 15/3/2020, our Institution has prepared the “Draft Communiqué on Remote Identity Verification Methods to Be Used by Banks” to determine the remote identity verification methods that banks can use in new customer acquisition and in verifying customer identity.
You can access the draft communiqué from the link below.
https://www.bddk.org.tr/ContentBddk/dokuman/duyuru_0851_01.pdf
Why did remote identity verification gain importance?
During the pandemic, the need to acquire customers without a branch visit grew rapidly. The draft aimed to put this need into a secure framework.
Banks need to prevent fraud and identity theft without spoiling the user experience. This balance is achieved by combining methods such as liveness tests, document reading and video calls.
The text is the first version of the regulation that later came into force, so it should be read as a historical reference.
