I think it is time to modernize Ubank's customer identity verification method via the Australia Post form. As with other banking entities
I think it is time to modernize Ubank's customer identity verification method via the Australia Post form.
As with other banking entities and financial institutions in Australia, many of them allow a list of permissible certifiers who can verify a person's identification documents, not just Australia Post. The list includes certifier options in Australia and those overseas.
The listing of the Primary Photographic, Non-Photographic and Secondary documents also needs to be expanded and clarified.
The primary photographic document options do not reflect the diverse society of Australia (e.g. the passport option must be Australian issued, no recognition of foreign passport or national identity card).
The Ubank Australia Post form does not appear to offer an option to verify individuals such as indigenous Australians (e.g. Aboriginals or Torres Strait Islanders) who may not have formal identity documents on hand in the first instance and may instead require a referee or community elder to declare their identity details. Hence the format of the Ubank Australia Post form may appear as exclusive.
A common stated requirement from many different Australian financial entities is to obtain a person's full name, date of birth and/or residential address.
There are those who may arrive in Australia (e.g. refugees) in the very short term (e.g. less than 6 weeks) where they may not have enough time to get Australian issued documents or proof of address. Hence again, the current template would exclude a portion of people living in Australia with the requirement of "At least one of these documents must contain your current residential address".
Ubank being a division of NAB, may consider the full format of the 100pts identification that NAB uses.
Some good examples that would bring ideas of modernization would be to consider the format of customer verification forms from other entities and institutions:
Hi Tin, thank you for sending this suggestion. We’re always looking at enhancing our customers experience and have now lodged this with the team.
If you have any further suggestions or ideas, please let us know. All the best. ^Adi