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The much anticipated and long awaited launch of UK’s first mobile app-only Atom Bank has taken place on Apple iOS for pre-registered users, with innovative features such as biometric authentication, using face and voice recognition instead of passwords.

JF Sullivan, VP and CMO at Xura says: “The launch of Atom Bank heralds the dawn of a new age of banking for a digital-first generation. It’s encouraging to see that Atom is employing biometric identification as a means of secure authentication. Using biometrics as well as traditional passwords or codes when connecting to apps such as this, which contain confidential data, not only increases the strength of authentication needed, but also improves their ease of use.

“Convenience is also key here. Customers want to replicate the experience they’ve become used to through using messaging services like WhatsApp and FaceTime. Recent advances in rich communication technology, such as WebRTC (Web Real-Time Communication), mean that banks now have a relatively straightforward path to providing more customer-centric user experiences with direct click-to-communicate video, voice and chat.

“It will be interesting to see how this technology can be used to personalise the customer experience of Atom and the banks that will inevitably follow its lead, and how the market will react to this.”

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