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Norway’s BankID on mobile disappears – in future you have to pay via app or with a code chip

Payment and authentication mechanisms continue to evolve as digitalitastion and specifically mobile wallets replace cards and other types of payments. Digital payment using BankID on mobile is being phased out in favour of a new app.

The phasing out will start in September, and the goal is for BankID to be able to be used for life. This is stated by Jan Bjerved, who is head of BankID. He says that the reason for the mobile method being replaced is because BankID on the app will make it easier to use and more accessible to more people. In addition, it will save users time.

BankID is a personal electronic ID for secure identification and signing online, ie a kind of digital passport to confirm who you are.

Limitations

Bjerved points out that there is a limit to what BankID on mobile can be used for, among other things when it comes to signing documents.

– BankID on the app supports more use cases than BankID on mobile. The service also has no costs for the users and only requires data traffic to work. This also makes the service more stable and reliable for users, he says.

Using a regular BankID with a code chip or app costs nothing. Some telecom operators charge for BankID on mobile because this service is linked to the sim card on the mobile.

Phasing out from the autumn

The phasing out will start this autumn between September and November. The first step is to stop all new activations of BankID on mobile.

Bjerved therefore recommends downloading the app as soon as you are notified by your bank that it is approaching, for a smooth transition.

– BankID on mobile will still work for those who have the service activated, he says.

– But since the service is linked to the mobile’s sim card, those who lose the mobile, change mobile operator or get a new sim card after it has stopped for new activations, will also lose access to BankID on mobile. Then they must rather choose the app or code chip as an alternative, he continues.

Recommendation: Remember password

Bjerved says that there may be problems with activating the app because then it is required that you have an active BankID certificate from the bank . It is not the same as BankID on mobile, he emphasizes.

– Faithful BankID on mobile users may experience that their BankID certificate has expired if they have not used the code chip for a long time, and that they are not allowed to activate the BankID app. We will therefore encourage people to check if they have an active BankID certificate before downloading the BankID app, says Bjerved.

This can be checked via My Page on BankID.no, which provides an overview of which BankID certificates are active. If you do not have an active BankID certificate, it must be ordered through the bank you use – preferably well in advance due to the delivery time, says Bjerved.

App users must also remember their BankID password when logging in and signing in to the app. Those who do not remember their password can order a new one at the bank .

Face recognition

In the autumn, the BankID app will be updated with biometrics , ie users can use face recognition, fingerprints or a PIN code in the BankID app.

– Where today’s solution takes about 30 seconds, the login with the BankID app will take less than 10 seconds when we launch biometrics , says Bjerved.

– This login people will use in more and more situations. If you are going to sign agreements that require extra security, you must still use a personal password, he continues.

Nearly a hundred banks in Norway offer the BankID app, while some banks have their own code app for BankID. You will receive information from your bank about which app to use.

Chris Crespo
Chris Crespohttp://nordicfintechmagazine.com
Chris is the Co-founder of Nordic Fintech Magazine and Fast Forward Banking. He uncomplicates finance through jargon-free financial media content in plain and simple language. Chris is also a guest lecturer at Stanford University and Singularity University where he speaks regularly on the Future of Financial Services, the Future of Money Disruption and Entrepreneurship.