Implementation of comprehensive digital identity verification systems for remote banking services
Posted: Oct 28, 2025
Abstract
The rapid expansion of remote banking services has created an urgent need for robust digital identity verification systems that balance security, privacy, and user convenience. This research presents a novel multimodal authentication framework that integrates behavioral biometrics, blockchain-based credential management, and adaptive risk assessment algorithms to create a comprehensive digital identity verification ecosystem. Unlike traditional approaches that rely primarily on static credentials or single-factor authentication, our methodology employs continuous authentication through keystroke dynamics, mouse movement patterns, and device interaction behaviors, creating a dynamic trust score that evolves throughout the banking session. The system incorporates a decentralized identity ledger using permissioned blockchain technology to enable secure credential sharing between financial institutions while maintaining user privacy through zero-knowledge proofs. Our experimental evaluation involving 2,500 participants across three banking platforms demonstrates a 94.7
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