BankID

Finansiell ID-Teknik BID AB
Industry	Information technology
Founded	2002
Headquarters	Stockholm, Sweden
Products	BankID
Owner	Danske Bank; Handelsbanken; Ikano Bank; Länsförsäkringar Bank; SEB; Skandiabanken; Swedbank;
Number of employees	22 (2018)
Website	bankid.com/om-oss
	Footnotes / references; Organization number: 556630-4928

BankID
Developer(s)	Finansiell ID-Teknik BID AB
Initial release	2003
Operating system	Android, iOS, Mac OS X, Windows
Available in	Swedish and English
Type	Electronic identification
Website	bankid.com

Bank-id (trademark BankID) is by far the largest electronic identification system in Sweden, with an usage rate of 94% among smartphone users, and is administered by Finansiell ID-Teknik BID AB that is owned by several Swedish and Scandinavian banks. In March 2018 Bank-id had about 6.5 million active users and was supported by 600 web services.[1] Only individuals with a Swedish personal identity number can acquire Bank-id.

Bank-id have existed in following variations:

Bank-id on file (on computer)
Bank-id on card (connected to a token device)
Mobile Bank-id (mobile based solution)
Bank-id in mobile (a discontinued SIM card based solution)

Example of usage areas are Swish payments, bank login, login to e-government, and access to medical records via Vårdguiden 1177.

Variations

Bank-id on file

The service BankID, also called BankID på fil, was launched in 2003. A soft certificate and a secret encryption key is stored on the computer's hard drive, and still works even if the files are moved between computers, which might be a security risk.

To use Bank-id on a personal computer it is required that Bank-id säkerhetsprogram (BISP) is installed within the system the files are stored. Criticism has been pointed out that it is an overly platform dependent solution that requires the customers to either have Microsoft Windows or Mac OS X.[2] Early versions included support for Linux, but were phased out in 2014.[3]

Bank-id on card

Bank-id på kort (English: Bank-id on card) was launched in 2005. A secret cryptographic key is stored in the smart card's chip, that works like a hard certificate, which is regarded as more secure as it usually will require physical access to the card for it to work. The card be a bank card or a pure bank-id card. It can be delivered with or without a photography, and can work as a identity document.[4] This card work in tandem with a special card reader, called bankdosa or säkerhetsdosa, with a numeral keyboard to enter codes. Some banks have the chip integrated in the card reader so it work without card. Bank-id on card work without any special software in the computer or mobile, but long codes needs to be entered into the device. There is a special software to transfer codes via a USB cable.

Mobile bank-id

Percentage of Sweden's population (16+ years), Internet users, and smart mobile users, who use Mobilt Bank ID in the years 2014–2019. Figures from the survey "Swedes and the Internet".

Mobilt bank-id (English: Mobile bank-id) was launched in October 2011,[5] and is an electronic identification for modern[6] smartphones from certain manufactures that is combined with a mobile application. It can be used as login or signing via the web on an ordinary PC, where the mobile work as a separate security device ("säkerhetsdosa"), and for login via bank and government mobile applications. The secret cryptographic key is stored in the mobile application (Bank-id säkerhetsapp), that works as a soft certificate. The e-service supplier (the business or government the user shall identify themselves towards) have a validation server.[7]

In 2014 about half of all smartphone users in Sweden used Mobile Bank-id. In five years the amount of users almost doubled to 94 percent of all smartphone users.[8] In 2019 all participating banks issued Mobile Bank-id, which does not apply to the other two solutions.

References

"Statistik". BankID.
Orre, Roland (3 February 2009). "Varför måste alla köra Volvo eller Saab?". Computer Sweden (in Swedish). Archived from the original on 6 February 2009.
Lindström, Karin (1 April 2014). "BankID för Linux slopas" (in Swedish). Computer Sweden. Archived from the original on 15 August 2019.
"BankID på kort" (in Swedish). Finansiell ID-teknik. Retrieved 13 February 2017.
"E-legitimationen för mobiltelefoner och surfplattor". BankID.com (in Swedish). Archived from the original on 28 September 2013.
"Stöd för Mobilt BankID". BankID.com (in Swedish). Archived from the original on 20 February 2015.
"E-legitimationen för mobiltelefoner och surfplattor". BankID.com (in Swedish). Archived from the original on 28 September 2013.
Internetstiftelsen (15 October 2019). "Svenskarna och internet 2019". Svenskarna och internet (in Swedish). Archived from the original on 27 November 2019. Retrieved 30 October 2019.

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[1] "Statistik". BankID.

[2] Orre, Roland (3 February 2009). "Varför måste alla köra Volvo eller Saab?". Computer Sweden (in Swedish). Archived from the original on 6 February 2009.

[3] Lindström, Karin (1 April 2014). "BankID för Linux slopas" (in Swedish). Computer Sweden. Archived from the original on 15 August 2019.

[4] "BankID på kort" (in Swedish). Finansiell ID-teknik. Retrieved 13 February 2017.

[5] "E-legitimationen för mobiltelefoner och surfplattor". BankID.com (in Swedish). Archived from the original on 28 September 2013.

[6] "Stöd för Mobilt BankID". BankID.com (in Swedish). Archived from the original on 20 February 2015.

[7] "E-legitimationen för mobiltelefoner och surfplattor". BankID.com (in Swedish). Archived from the original on 28 September 2013.

[8] Internetstiftelsen (15 October 2019). "Svenskarna och internet 2019". Svenskarna och internet (in Swedish). Archived from the original on 27 November 2019. Retrieved 30 October 2019.