The Swedish Data Inspection Board (DIB) has advised Danske Bank that the
changes that it has planned to its mobile app netbanking system, do not
satisfy the Board’s requirements on the safety of personal information.
The ruling, which can be appealed, follows the DIB’s approaches to Danske
Bank, Nordea and Handelsbanken operating in Sweden in 2012, informing them
that their apps did not live up to Sweden’s personal information security
“We will not be appealing the Board’s decision, but we will be working with
them,” says Jesper Nielsen, Danske Bank’s Head of Business Development.
“Danske Bank is satisfied with the safety of our mobile solution, but we take
the Swedish Board’s response very seriously and will be entering into a
dialogue with them to find a solution,” Nielsen says, adding the bank has
had no complaints from its users, nor has it been approached by the Danish
Data Protection Authority.
Nielsen says that Danske Bank is considering a variety of options in
connection with the Board’s response, including those being adopted by the
The Board’s latest ruling, based on responses from the three banks on intended
changes to their systems to bring them in line with requirements, accepts
plans from Nordea and Handelsbanken, but not from Danske Bank.
While the integrity of bank accounts is not at risk, the personal information
that is available in connection with netbanking through the mobile app is.
Danske Bank had responded to the Board saying it planned to employ Behavioural
Biometrics as an addition to its various pin-code systems – by identifying a
person through various parameters of their behaviour that are seen as being
unique. This could, for example, be the speed and key pressure a person used
to key in data on their cellphone.
Nordea and Handelsbanken on the other hand, both of whose planned corrections
the Board has approved, suggest that their app be restricted to a single
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