Republic of Turkey Identity Card (TCKK): Banking Use Case in Authentication & Customer Onboarding

The Republic of Turkey Identity Cards (TCKK) were issued on March 2016 to enable the electronic identity and electronic services for the citizens. TCKK includes personal and biometric information which allows authentication process to be enhanced with visual and electronic security elements of the highest standards. In this paper, we present a remote customer onboarding scenario and the usage of The Republic of Turkey Identity Card (TCKK) authentication with face recognition. We also explore the case for Near Field Communication (NFC) capable mobile devices which enable to take the colorful face image to improve the face recognition rate. The authentication steps are described in detail to further employ this usage. TCKK allows authentication process to be enhanced with visual and electronic security elements of the highest standards that can be applicable for many other digital banking scenarios or new applications in the financial sector. © 2020 ACM.