Biometrics Market Trend in Asia (The Impact of US PIV program)

1
Biometrics Market Trend in Asia (The Impact of US
PIV program)

• Dr. Wen-Hsing Hsu
• Professor
• National Tsing Hua University

2
Background

• Biometric technology are entering the
  implementation stage where this technology is
  applied to various kinds of public
  infrastructure, such as government administrative
  work and financial service.
• Vein verification for ATM Sumitomo Mitsui Bank
  (Japan), Bank of Tokyo-Mitsubishi UFJ (Japan)
• Bhamashah program (rural banking) Fingerprint
  verification for Money Transfer, (India, 5.5
  million / 110million families)
• PIV program Personal Identity Verification
  System, U.S (16 million employees)
• ID card Projects in Asia (RFID Fingerprint)
  Thailand, Hong Kong, Singapore, Malaysia and
  Philippine
• Boader Control Japan, Singapore, Hong Kong

3
Background

1. ISO standard for biometric technology announced
   in 2005, and ANSI/SIA standard for Surveillance
   system will be completed soon (Q4 2008). The
   industry is entering a high growth stage

4
Introducing of PIV Program (USA)
5
History of FIPS 201 (Federal Information
Processing Standard )

• ISO SC 37 (June, 2002)
• Defined File Format, APIs, application profiles,
  testing, etc for Biometric Technologies
• ISO 19794 (19794-2, 19794-4) (July, 2005)
• Established a Data Interchange Format for
  Minutiae Based Fingerprint Algorithm
• FIPS 201 (Feb, 2005)
• Established a Foundation for an Infrastructure
  with Secured Personal ID with Standardized
  Biometric Formats and Technologies (i.e. Special
  Publications, etc)

6
ISO Standard

• Because there is more demand for the biometric
  product from the society, International
  Organization for Standardization (ISO) has
  established SC37 in 2002, and has established and
  announced the international standards that is
  related to biometric technology (July, 2005).
• ISO has established Biometric standards,
• and is leading the biometric industry
• (world wide service) into the High growth rate
  stage

7
ISO Standard

• In July 2005, ISO announced various fingerprint
  verification related standards including the ISO
  19794 (data format), ISO 19785 (CBEFF) and ISO
  19795 (Biometric Performance Testing and
  Reporting). The completion of these module
  specifications and interface standards will
  become the common reference when establishing any
  future Biometric system structures.

8
HSPD-12

• In August 2004, President George W. Bush issued
  Homeland Security Presidential Directive 12
  (HSPD-12), which mandated new standards for
  secure and reliable personal identification for
  all federal employees and contractors.
• The Personal Identity verification (PIV) program.
  
• PIV card issuance (Summer 2007Fall 2009)
• PIV authentication (Fall 2009 End 2011)

9
PIV program

• The PIV program required the US government to
  establish secured personal ID for its 16 million
  employees and contractors, install PACS (Physical
  Access Control System) for the several thousand
  US federal buildings around the world and
  reinforce the security of federal information
  through LACS (Logical Access Control System).
• Such series of Biometric application systems are
  scheduled to be completed worldwide by the end of
  2011 and will set a perfect example for the era
  of biometric applications.

10
Establishment of Personal Identity Verification
System

• Issuing standard ( NIST PIV Program)
• FIPS201
• NIST 800 series
• Product Certification(S/W, H/W)
• Implementation guideline, Test guideline

11
PIV Documents
Standards HSPD 12 Homeland Security Presidential Directive/HSPD-12. Policy for a Common Identification Standard for Federal Employees and Contractors (8/27/04)
Standards FIPS 201 Personal Identity Verification (PIV) of Federal Employees and Contractors.
Standards FIPS 201-1 Personal Identity Verification (PIV) of Federal Employees and Contractors (chng1)
Standards M-05-24 Implementation of Homeland Security Presidential Directive (HSPD) 12 Policy for a Common Identification Standard for Federal Employees and Contractors
Implementation Guide SP 800-73 Interfaces for Personal Identity Verification (4 parts) 1- End-Point PIV Card Application Namespace, Data Model and Representation2- End-Point PIV Card Application Interface3- End-Point PIV Client Application Programming Interface4- The PIV Transitional Data Model and Interfaces
Implementation Guide SP 800-76 Biometric Data Specification for Personal Identity Verification
Implementation Guide SP 800-78 Cryptographic Algorithms and Key Sizes for Personal Identity Verification
Implementation Guide SP 800-79 Guidelines for the Accreditation of Personal Identity Verification (PIV) Card Issuers (PCI's)
Implementation Guide SP 800-87 Codes for Identification of Federal and Federally-Assisted Organizations
Test Guidelines SP 800-85
Test Guidelines SP 800-85A PIV Card Application and Middleware Interface Test Guidelines (SP800-73 compliance)
Test Guidelines SP 800-85B PIV Data Model Test Guidelines
SP 800 Special Publications (800 Series)
12
FIPS 201-NIST 800 Series

• Improving the identification and authentication
  for access to Federal facilities and information
  systems (2005, Feb)
• NIST Special Publication 800-53Recommended
  Security Controls for Federal Information
  Systems, February 2005
• NIST Special Publication 800-73Interfaces for
  Personal Identification Verification, April 2005.
  
• NIST Special Publication 800-76Biometric Data
  Specification for Personal Identification
  Verification.
• NIST Special Publication 800-78Cryptographic
  Algorithms and Key Sizes for Personal Identity
  Verification, April 2005.
• NIST Special Publication 800-79Guidelines for
  the Certification and Accreditation of PIV Card
  Issuing, July 2005.

13
NIST PIV Program (NPIVP)

• To validate the compliance/conformance of two PIV
  components - PIV middleware and PIV card
  application with the specifications in NIST SP
  800-73-1
• To provides the assurance that the set of PIV
  middleware and PIV card applications that have
  been validated by NPIVP are interoperable
• All of the tests under NPIVP are handled by
  third-party test facilities

14
HSPD 12 PIV Document Relationships
NIST National Institute of Standards and
Technology
15
PIV MINEX Template Generator / Matcher
Certification Process Flow
NVLAP accredited MINEX Test Laboratories
Vendor contracts with a lab and submits PIV S/W
to lab for testing
PIV Template Generator / matcher Vendor
Lab tests PIV MINEX with NPIVPs test tool kit
and generates Test Report
NVLAP National Voluntary Laboratory Ac
Program NPIVP NIST Personal Identity
Verification Program GSA General Service
Administration
16
PIV Middleware Certification Process Flow
NVLAP National Voluntary Laboratory Ac
Program NPIVP NIST Personal Identity
Verification Program GSA General Service
Administration
17
PIV Card Application Certification Process Flow
FIPS 140-2 Security Requirements for
Cryptographic Modules
18
PIV Structure
19
PIV Card Physical Logical Access Control
The card allows the identity of the cardholder to
be verified

• The cardholder unique identifier (CHUID)
• Photograph
• Cryptographic keys
• Biometric data
• Electrical signature
• Digital signature
• Smart card
• RFID card

Government institution should report PIV on
HSPD-12 Card Issuance
20
MINEX

• The Minutiae Interoperability Exchange Test
• Measuring performance and interoperability of
  core template (INCITS 378) encoding and matching
  capabilities
• To establish compliance for template encoders and
  matchers for PIV program
• Following the approach of NIST MINEX04 test which
  evaluated the products of fourteen vendors and
  was used in establishing an initial compliance
  for the PIV program
• STARTEK, Template generator and Template Matcher,
  is in MINEX compliant list

21
Approval Authorization Letter
22
Source GE
23
Source GE
24
Enrollment and Registration / Card
Personalization and Issuance
25
PIV Related Product Category
Card Issuance Maintenance Card Issuance Maintenance Card Issuance Maintenance Card Issuance Maintenance
Facial image Capturing Station (Physical) Facial Image Capturing (middleware) Electromagnetically opaque sleeve Card Electrical Personalization Services
PIV Card Printer station Fingerprint capture stations OCSP Responders Card Electrical Personalization Device
SSP PIV Card Delivery PIV Middleware Cryptographic Modules
Card Graphical Personalization Services
Front-End Subsystem Front-End Subsystem Front-End Subsystem Front-End Subsystem
PIV Card Card Reader Chuid (Contact) Card Reader Biometric Card Reader Authentication key
Template Generator Template Matcher Transparent Card Reader CHUID Reader (Contactless)
Single Fingerprint Scanner
26
US Federal Application (PIV program, 20042011)
US Commercial Application (2009)
Logic access control Physical access
control (Internal Administrative, cross agency)
The World (2009)
Internal Administrative B to C web
authentication B to B web authentication
ID card projects POS
27
Fingerprint verification will dominate web
service business (Web authentication)

• Minutia-Only Fingerprint Verification
  Standardized Internationally (ISO 19794-2),
  (MINEX test)
• The US led FIPS 201 PIV Program (2004 - 2011)
  will set the interoperable structure and
  standards needed for
• Logical and Physical Access Control by 2008
• ?
• Fingerprint Verification Applications
• Web Transactions and Payments (B to C)
• Web Authentication Services
• Digital Signatures

Web Authentication Business
28
Service Providers
Authenticate true identity at anytime, in
anywhere , with any fingerprint reader , on any
platform for anybody
P.O.S.
I
Smart Phone
Laptop
ATM
Smart Card
Kiosk
Fingerprint enrollment
29
OSIPS Open System Integration and Performance
Standards(ANSI/SIA)

• SIA (Security Industry Association)
• ANSI Accredited Standards Developing Organization
• OSIPS (Surveillance System)
• Security System Integration Standards
• Security System Performance Standards

30
SIA Standards-Current initiatives overview
Designation Title Estimated time of completion
ANSI/SIA OSIPS-APC-01-200x OSIPS-Access Point Controller Data Model Interface Standard Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-DV1-01-2008 OSIPS-Digital Video Interface Data Model Approved as American National Standard Feb. 2008
ANSI/SIA OSIPS-01-200x OSIPS Framework Data Model Final Approval Expected in 2Q 2008
ANSI/SIA OSIPS-ACR-01-200x Access Control Role Data Model Interface Standard Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-IDM-01-200x OSIPS-Identity and Carrier Management Data Model Interface Standard Public Review targeted for 3Q 2008
OSIPS Binding for Fixed Format and XML Document Messages over TCP and UDP Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-ACGO-01-200x OSIPS-Access Control for Gate Operations Public Review targeted for 3Q 2008
ANSI/SIA OSIPS-CUIS-01-200x OSIPS-Common User Interface Standard Public Review targeted for 3Q 2008
31
SIA Standards-Current initiatives overview
Designation Title Estimated time of completion
ANSI/SIA CP-01-2007 Control Panel Standard-Features for False Alarm Reduction Public Review targeted for 4Q 2008
ANSI/SIA PIR-01-2000 Passive Infrared Motion Detector Standard Features for Enhancing False Alarm Immunity N/A
ANSI/SIA OSIPS PIR-02-200x OSIPS-Passive Infrared Motion Detector Internal PIR for High Security Applications N/A
SIA GB-01-1994.12 Acoustic Glassbreak Detector Standard Features for Optimizing False Alarm Reduction and Detection N/A
SIA GB-02-1996.07 Acoustic Glassbreak Sensor Technical Report False Alarm Sounds Recommendations for Testing False Alarm Rejection and Detection N/A
32
ID card projects and Boarder Control in Asia
33
Fingerprint ID Card in Thailand (1077 district
offices) (Startek, February 2004)
34
G.W_at_PS GSIS Wireless Automated Processing
System (Philippines)

• Combining RFID card with Startek Fingerprint
  Technology.1st example combined fingerprint
  Authentication with debit card in the world
  (Union Bank)
• ISO-19794-2 compliant Fingerprint Template
• Minutiae-Only Matching Algorithm
• GSIS eCard Services
• VISA Wave Debit Card
• Loan/Insurance application

35
G.W_at_PS Kiosk 2,000 Units

• RFID Card Fingerprint for Double Security
• Apply Loan Application
• Apply Insurance Application

36
Border Control (Singapore)
37
Biometric Border Crossing ShenZhen / Hong Kong

• 400,000 border crossings every day
• Two scenariosPassengers Vehicle Drivers
• 100 gates deployed by now
• Three Modalities VL Face, NIR Face,
  Fingerprint
• 1,800,000 people enrolled.
• Verification Speed 6 sec / crossing
• 40,000,000 crossings since June 2005

Source CAS (China)
38
Bhamashah Project(Rural Banking)

• GoR (Government of Rajasthan) desires to create a
  State-wide biometric smartcard based IT
  infrastructure and platform for incremental
  service delivery to the rural poor
• ILFS and Bartronics selected as ISP
  (Infrastructure Service Provider) on BOT basis
  for 10 years
• ISP to
• Enroll 5 million households and issue smart card
• Establish Central Data Center and connectivity
• Establish 15000 banking POS and 2000 POS at
  hospitals
• Open no-frills bank a/c for disbursement of
  entitlements.

39
Bhamashah Project Implementation Steps

• Mobilization Campaign
• Village wise beneficiary enrolment Capturing
  beneficiary information/photo as per RBI /RSBY
  guideline (ISO 19794-2)
• Opening Bank A/c
• Data Validation Card personalization
• Card Printing and Issue (64KB Smartcards)
• Establishing 15,000 Points of Service
• Disbursal of entitlements

40
Biometrics Market Analysis
41
NB market (Bundling Fingerprint Sensor)

• The PC market, particularly laptops represents
  the largest market segment using fingerprint
  sensors
• According to IDC
• 2006 8.2M sweap sensors / 82M NB
• Bundle rate 10
• 2007 21.06M sweap sensors /105.3M NB
  Bundle rate 20
• Fingerprint authentication function on NB
  only for PC logon.
• When applying to B to C, the S/W should be
  FIPS 201 certificated

42
Market Segment- NB and Mobile phone

• Personal use
• Windows Logon/File Encryption/Password Management
• Swipe Sensor bundled with mobile devices(ASP US
  4 per module)
• Market Size in 2009 US120M
• NB US4 X 20M US 80M
• Mobile phone US4 X 10M US 40M

43
Market Segment- Home Security

• Personal use
• Door Lock, Safety Box, Gun Box
• Swipe Sensor with DSP module (ASP US 100 per
  module)
• Market Size in 2009 US 50M
• US100 X 500K US 50M

44
Market Segment- LACS (Enterprise)

• Enterprise applications
• Workforce Management /ERP/Information Security
• Optical Fingerprint Reader
• PIV Project (FIPS 201 certificated)
• 16M units in 3 yrs (20092011)
• ASP US 50 per unit
• Market Size in 2009 US 250M
• US 50 X 5M US 250M

45
Market Segment- PACS

• Enterprise applications
• PACS/TA
• Optical Fingerprint Reader RFID reader on IPC
• PIV Project
• 1M units in 3 yrs(20092011)
• ASP US 800 per unit
• Market Size in 2009 US 240M
• US 800 X 0.3M US 240M

46
Market Segment- POS

• Public Service (FIPS 201 certification)
• Banking/Payment
• Optical Fingerprint Reader on ARM 9 (ASP US 200
  per unit)
• Market Size in 2009 US 200M
• US 200 X 1M US 200M

47
Market Segment- Web Service

• Enterprise applications
• ERP/Web TA
• Public service(2010), B to C
• Online banking, shopping and trading
• Card issuance (ISO 19794-2 compliant)
• Fingerprint enrollment (ISO 19794-2 compliant)
• Personal ID verification

48
Market Segment- ID Card Projects

• Card issuance/Enrollment
• FIPS201 Compliance
• Personal ID Authentication application(2010)
• Hospital (Health care/Medical Card)
• Social warfare, insurance, pension(Social
  security card)

49
Application for ISO 19794-2 Compliant / FIPS201
Certificate
Platform/Application Platform/Application Reader ISO19794-2 Compliant (Current) Necessary for FIPS201 certification
NB NB Sweap When apply to B to C
Mobile phone Mobile phone Sweap When apply to B to C
Access Control Physical Access Control Physical Area (Optical) ?
Door lock Door lock Optical area ?
Web Authentication Enrollment Area (Optical ) ?
Web Authentication Verification Sweap TG, TM
Logical Access Control Enrollment Area (PIV) ?
Logical Access Control Verification Area (PIV) ?
FIPS201 Reader field size 12.8mm16.5mm,
resolution 500 dpi TG ANSI/ICITS 378 Template
Generator (TG) TM ANSI/ICITS 378 Template
Matcher (TM)
50
Fingerprint Module Market Supplied by Asia
Vendors (2009, estimated)

• Market segments dont require FIPS201
  certification
• NB / Mobile phone 120M
• Door Lock 50M
• ______________________
• 170M

• Market segments require FIPS201 certification
• Logical Access
• Control (US) 250M
• Physical Access
• Control (US) 240M
• ID Card (Asia) 50M
• POS 200M
• ______________________
• 740M

51
Conclusion

1. Biometrics technology is gaining wide acceptance
   in NB, mobile phones, ATM, POS and smart card.
2. To enable network authentication service (B to C)
   on NB and mobile phone, FIPS201 ( ISO 19794-2 )
   compliant software (template generator/matcher)
   module must be adapted.
3. Biometrics ATM has been successfully implemented
   at individual bank operation (Close System).
   When it comes to cross-bank operations, standards
   such as FIP201S must be followed for common data
   format and (H/W, S/W, I/F) module
   interoperability.
4. Matured environment of network fingerprint
   authentication service enables web service
   business to develop under a new and safe
   environment.

52

1. Existing fingerprint database for National ID
   Card projects in Asia must be converted to ISO
   19794-2 and ISO 19794-4 complaint format for
   interoperability through out Asian countries.
2. Because of the establishment of OSIP (Open System
   Integration and Performance Standards) by
   ANSI/SIA, security system integration becomes
   simple and convenient. Market for security
   module products will grow rapidly.
3. Because of FIPS201 certification, LACS and PACS
   will be integrated as one common security system.
4. Although most Boarder Control System is connected
   to AFIS, but ID card program should be separated
   to AFIS.

53
Brief Introduction of Startek
54
Startek Overview

• The global leader in Biometrics Fingerprint
  Verification Technology
• Startek Engineering Inc, found in 1989
• Product Service
• Before 2006 Physical Access Control Time
  Attendance System
  (Startek Technology is Market Proven)
• 2006 Fingerprint Authentication
  Solution for Network Authentication
  Web Server Authentication
  
• - Mobile Phone Development Kits with
  Fingerprint Solution
• - Matching Module for Network Authentication
• - PIV (Personal Identity Verification) module
  in US

Internet ServicePIV Applications
2003
2006
55
Starteks Biometrics solutions

• Startek provides the most cost effective and best
  performance enrollment module for ID card system.
  
• (FIPS 201 certificated NIST/INCITS 378 Template
  Generator).
• Startek provides the best performance
  authentication (matching) module ,for web
  authentication, physical access control, logical
  access control. (FIPS 201 certificated
  NIST/INCITS 378 Template Matcher)
• Startek provides Web server authentication (WSA)
  solution for Web service business, and
  authentication module on P.O.S., ATM

56
STARTEKS Competitive Edge

• Has technology that is ISO 19794-2 (Minutiae
  Only), MINEX passed
• One of the only two FIPS 201 (Federal Information
  Processing Standard 201) approved venders in
  AsiaHas 6 Key Patents in Fingerprint
  Verification (Minutiae Extraction Minutiae-Only
  Matching)
• The smallest code size in any platform - Compact,
  Efficient, Accurate
• (160 k bytes / Windows, 64 k bytes / Bios, 12 k
  bytes / Matching on card)

57
STARTEKS Competitive Edge (contd)

• Cross Device Matching
• Among optical, chip, area and sweap sensor
• Cross Platform Matching
• NB, Mobile Phone, Smart Card
• Open System Technology
• ISO 19794-2 Compliant Minutiae-Only Fingerprint
  Matching Algorithm

58
WSA Configuration
59
Cross Device Matching
Enrollment / Matching on different devices
60
WSA Demo Site

• http//wsa.startek-eng.com
• http//61.218.109.72

61

• Thank you for your consideration.   Best
  Regards,   Laura Wood   Senior Manager  
  Research and Markets Ltd   laura.wood_at_researchan
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62

• -.
• Title Index
• 1. Introduction
• 2. Market development
• 3. Current status of technology
• - Facial recognition /Fingerprint/Voice
  recognition/Iris-Retina scans
• 4. Suppliers
• - ActivIdentity/Cogent Systems/Digimarc/Corp
• 5. Standards and legislation

63

• . Opportunities and challenges for finance   -
  Identity theft/Global fraud/Electronic crime/Card
  fraud/EMV (or Chip PIN)/Contactless
  cards/Employee fraud.   11. Conclusions
  Establishing the business case for biometrics in
  finance   - Biometrics and strategic
  pressures/Identity fraud/Regulatory
  costs/Customer service/Customer
  acceptance/Standardisation/Return on
  investment.  

64

• 6. Key players and programmes
• - Governments
• 7. Key players and programmes
• - Travel
• 8. Key players and programmes
• - Financial services and transactions
• - Customer-facing/Employee-facing/International
  payment schemes.
• 9. Case studies
• - Fingerprint verification for employees/Voice
  recognition for telephone banking

65

• 10. Opportunities and challenges for finance   -
  Identity theft/Global fraud/Electronic crime/Card
  fraud/EMV (or Chip PIN)/Contactless
  cards/Employee fraud.   11. Conclusions
  Establishing the business case for biometrics in
  finance   - Biometrics and strategic
  pressures/Identity fraud/Regulatory
  costs/Customer service/Customer
  acceptance/Standardisation/Return on
  investment.   Pricing  

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69
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71

• enclose details of our new report on the business
  case for biometrics in finance.
• The report contains up-to-date analysis of
  best-practice, developments and emerging trends
  in biometrics, including
• - Terminology, standards and compliance
  de-mystified and explained
• - Adapting biometric technologies from border
  control, ID cards, and passports
• - Assessing the reliability and robustness of the
  technologies developed to date, including voice
  recognition technologies for customer
  verification, and the use of fingerprint
  technology
• - Biometrics within the range of financial
  operations ATMs, call centres, cards, customer
  service, data protection, e-channels and fraud
• - The lessons from schemes and pilots already
  implemented

72

• - Key players and programmes in the deployment of
  biometric security in government sectors,
  including the US' Department of Homeland
  Security, Visa Waiver Program and Real ID Act,
  and the UK's ARC and ID card programmes (and
  charting the ongoing travails of the latter).
• -.

73

• For more information please click on
• http//www.researchandmarkets.com/product/86c7e0/t
  he_business_case_for_biometrics_in_finance
• Case studies and examples from countries
  including Australia, Canada, Japan, Malaysia
  Mexico, Pakistan, Russia, Singapore, South Africa
  and the US.
• Many treat biometrics as a 'big government'
  thing, but today's government technology is
  tomorrow's banking standard... financial services
  strategists must keep themselves abreast of
  biometric developments and seek to find ways to
  bring these technologies to retail financial
  services.

74

• cutting edge methods of verification are at a
  premium, and right now that means biometric
  technology. Its linkage to national security
  means that vast sums of government money
  worldwide are being spent on developing
  state-of-the-art biometric solutions.
• This report presents the concepts of biometrics
  and sets the scene for its use in banking and
  financial services, including

75

• of biometric technologies, analysing each of the
  main technologies, looking at how and where they
  might be deployed and the strengths and
  weaknesses of This report presents the concepts
  of biometrics and sets the scene for its use in
  banking and financial services, including

76

• - The market for biometrics by region, by sector
  and by technology, with projections as to its
  future growth and development in the years to
  2015.
• - A snapshot of the current status each.
• - The market as it currently stands, identifying
  the drivers for future growth and discussing how
  these will shape the future market, and looking
  at some of the leading suppliers of biometrics
  technologies, such as L-1 Identity Solutions,
  Digimarc and LaserCard to name but three

77

• The standards and legislation that currently
  frame the development of biometrics worldwide,
  and discussing how these are designed to balance
  privacy issues with the need for security.
• - Key players and programmes in the deployment of
  biometric security in government sectors,
  including the US' Department of Homeland
  Security, Visa Waiver Program and Real ID Act,
  and the UK's ARC and ID card programmes (and
  charting the ongoing travails of the latter

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• Biometrics programmes in the travel sector,
  including the European Visa Information System,
  Project Iris, the Registered Traveller Program
  and the deployment of biometric passports, and
  discussing security concerns about just how
  secure biometric data stored in biometric
  passports really is.
• - The financial services sector's use of
  biometrics today, and examines customer-facing
  systems such as ATMs, online banking and access
  to bank vaults as well as the development of
  voice, fingerprint and signature verification
  technology for remote banking, and
  employee-facing systems for staff ID
  verification, access to physical areas of the
  branch and transactional security.

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• The potential growth areas for banks that will
  drive the adoption of biometric technology such
  as online banking, e-commerce and the development
  of computers with finger scanners as standard, as
  well as ways in which biometrics can solve
  existing problems such as ID theft, card fraud,
  electronic crime and employee fraud. It also
  looks at new markets that will be accessed by the
  deployment of biometrics

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• - The overall business case for biometrics in
  banking, addressing issues such as whether it
  will achieve its return on investment, how it
  will address key strategic pressures such as
  globalisation and domestic competition. It also
  looks at those considerations not so easily
  incorporated into a Profit and Loss statement
  such as enhancing the bank's competitive position
  in the marketplace and 'hygiene factors' that
  affect the technology

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• For more information please click on
• http//www.researchandmarkets.com/product/86c7e0/t
  he_business_case_for_biometrics_in_finance

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Thank you for your attention
Dr. Wen-Hsing Hsu E-Mail whhsu_at_mail.startek-eng.c
om
www.startek.com.tw