Challenges of biometrics to protect personal data in the digital banking environment
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Abstract
The study addressed the vulnerabilities of biometric systems in Panama, specifically regarding the protection of personal data and the security of digital banking services since 2022. The goal was to assess the challenges biometric technology faces in safeguarding personal data in the digital banking environment. A quantitative, descriptive methodology was used, analyzing secondary sources on biometrics in the Panamanian financial context. The results showed that 37% of banking institutions reported biometric data breaches, with the lack of liveness detection systems being the most critical technical factor (62%). 65% of successful attacks were attributed to techniques like biometric bypass and data injection. Furthermore, a regulatory gap in biometric data protection was identified, as only 32% of institutions have policies exceeding the minimum legal requirements. The lack of adequate infrastructure and effective protocols heightens privacy risks. The study concluded that banking institutions need to strengthen their data protection policies, adopt advanced multimodal authentication and anti-spoofing technologies, and develop clear legal frameworks to regulate biometric use, balancing technological innovation with privacy protection.
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References
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