New EU rules force the state to take eID responsibility – requiring individual treatment in the meantime – NRK Vestland


Recently, NRK wrote about “Amir”, who has not approved BankID and who has thus lost access to VIPs, salary and bank card. Martin Hagen Aakre’s partner also did not get a BankID until three years had passed.

Several people have reacted to what is revealed in these cases, and the minister for digitization says that there are new rules in the works.

Gry Nergård, who is director of consumer policy issues at Finans Norway, says that changes are coming internationally that will have consequences for Norway:

– There is a demand from the EU that it is the state that will be responsible for ensuring that the population is equipped with an electronic ID (eID) in the future, says Nergård.

What is the reason why it is the banks that issue the highest electronic security identification, and not the state?

– We needed an electronic ID that could make online banking payments easier and more secure. The banks then jointly developed BankID, which was put into production and distributed in the early 2000s. It has been so good that the public sector has built its entire digitization around the idea, says Nergård.

Gry Nergård in Finance Norway says there will be new requirements from the EU, where the state will be responsible for issuing eID.

Photo: Kilian Munch

The state must take responsibility

What is a challenge is that the banks are subject to specific regulations in the Finance Act and the Money Laundering Act.

This means that they cannot hand out BankID to everyone.

– Then it is necessary for the state to take greater responsibility. They can leave it to one or more private actors, but then they have to put a safe framework around it, which the private actors can relate to, says Nergård.

In addition, the banks have a responsibility for those who choose not to use digital services. Many still use letter giro and account phone and prefer personal attendance at the bank.

– Now I don’t have any figures, but the last time DNB calculated this a few years ago, there were still 180,000 letter giro users, says Nergård.

Lack of opportunity to identify oneself is also a matter of discrimination. The case has been considered three times by the Discrimination Board.

– What the tribunal was concerned with was that there could be factual reasons for refusing to give BankID to a person. But an individual assessment had to be made, not based on any square rules that could be discriminatory, says Nergård.

Can be discriminatory

– We were the ones who complained to DNB for failing to make individual assessments. That’s what discrimination ombudsman Bjørn Erik Thon says.

Discrimination ombudsman Bjørn Erik Thon believes that banks must follow the advice of the Norwegian Financial Supervisory Authority.

Photo: Ksenia Novikova

He reacts strongly to the fact that “Amir”, as portrayed in the NRK article, does not get access to basic banking services.

It is crucial to be able to take part in today’s society that you have a bank account, bank card and online banking.

– I encourage the bank he is a customer of to clean things up as quickly as possible, says Thon.

This is a topic with which the ombudsman’s guidance service is well acquainted. The fact that some banks still do not have good routines for people without a valid passport is unfortunate and creates great difficulties for the individual.

As NRK has previously told, there are banks that have decided not to assign a BankID even if the applicant has a d-number and passport from an EEA country. SR-Bank has recently changed its internal guidelines on this.

Equal solution is the best

– Finanstilsynet allows people with a residence card as identification to receive basic banking services after an individual assessment. We have always pointed this out. The supervisor’s guidelines should be a guide for all banks, says discrimination ombudsman Bjørn Erik Thon.

Right now there is a process underway in the Directorate of Digitalisation.

Here, the ombudsman has given input that work with an electronic ID must be prioritized at the highest level, where all groups that are currently excluded from BankID will have access.

– We see that issuing BankID is practiced somewhat differently from bank to bank. Issuing a public eID that is practiced equally from one place would be a very good solution. It is also very important that a solution is created for people who have guardians, says Thon.

The article is in Norwegian

Tags: rules force state eID responsibility requiring individual treatment NRK Vestland


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