Ideally, a bank operating in any country should verify the true identity of a potential client through direct verification against the population register (PR).Nevertheless, it is anticipated that banks would insist on controlling their own identification systems because a national system would have the capacity to also handle banking-related transactions in realtime. Consequently, the banking sector would require the implementation of its own automated fingerprint identification system solution (AFIS). Without verification against the PR, this solution would not necessarily allow the bank to establish a client's true identity, but it will allow the bank to determine if a particular client has been registered before, possibly under a different name, allowing immediate detection if this person attempts to open another bank account. Should all the banks then agree to exchange information and use a central AFIS, fraudulent acts become even more difficult, if not impossible, to commit.
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