Design Driven

When was the last time you visited a physical bank branch and talked to a real live human about your account? It's probably been a while — and that’s the point. The fintech world is becoming more digitized all the time. Eventually, there won’t even be brick-and-mortar banks. That’s all well and good. But, as we innovate the future of banking, we need to consider how to fight fraud online. Unlike in-person banking, digital banking doesn’t allow for a teller to verify someone’s ID with his own two eyes. In reality, it's not as scary as it sounds. Depending on how you think about it, there are more ways to detect fraud online than in person. You can track IP addresses, phone numbers, emails — and you can verify them all instantly. One hold up to fully digital banking (and transactions in general) remains: Your social security number. Those little paper cards with that long-form number have been used for ages as our unique identifiers. But really, SSNs have been breached so many times that th