Global & Nigerian Use Cases

Finger Vein 3FA Proof-of-Life

Real-World, Proven Deployments Across Banking, Telecoms & National Infrastructure

Unauthorised transactions3FA protection
Unauthorised transactions3FA protection
25+ Years

Finger Vein biometric authentication is 25 years live production — not experimental technology.

It is a mature, field-proven security modality deployed globally across financial institutions, telecommunications providers, government e-signature and national-scale identity systems.

Environ brings this globally validated technology to Nigeria under exclusive regulatory and OEM authority.

Banking & Financial Institutions

High-Value Transaction Protection & Corporate Banking

Finger Vein biometric authentication has been successfully deployed by major international banks to protect high-risk, high-value customer segments, particularly corporate and institutional accounts.

Documented Global Deployments Include:

1

Barclays Bank (United Kingdom) — corporate banking customers for over a decade

2

HSBC — enterprise banking authentication

3

Citibank (Japan) — secure customer authentication

4

Natixis (France) — institutional banking security

5

Bank of China — ATM Finger Vein authentication

Proven Suitability For:

Corporate account protection and HNI banking
Insider-risk mitigation in branch operations
Strong customer authentication (SCA) compliance

Environ Exclusive Provider

Detailed deployment case studies

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National-Scale Adoption

Japanese Banking System — National-Scale Adoption

Mass Market, Mission-Critical Usage

80%+

of Japanese banks

Have adopted Finger Vein biometrics across their operations

Deployed Across

ATM access and cash withdrawals
Teller operations and branch banking
Digital banking authentication
Corporate banking portals

Major Adopters

Mizuho Bank
Sumitomo Mitsui Banking Corporation (SMBC)
Japan Post Bank
Multiple regional banks

This Level of Penetration Demonstrates:

Long-term reliability in production

High public trust and acceptance

Regulatory acceptance at national scale

European Case Study

What Natixis Did with Finger Vein

Enterprise Security for Trading Operations

Natixis Implementation

Natixis used finger-vein authentication technology to secure access to trading desktops in its bank operations.

Traders authenticate once with their finger vein pattern and gain access to multiple trading stations without carrying credentials or passwords — a convenience and security improvement for intensive trading environments.

Why This Matters

This deployment at Natixis is real and operational — it's used within corporate internal IT systems rather than as a retail customer authentication tool.

It illustrates the enterprise use-case for finger-vein: securing access to high-value internal systems where speed and accuracy are critical, and where traditional passwords/PINs are considered insufficient.

European Bank Deployments Comparison

1

Natixis (France)

Internal enterprise/trading floor authentication using finger-vein

2

Barclays (UK)

Finger-vein biometric readers for corporate online banking authentication

3

Bank BPH (Poland)

Finger-vein used to authenticate customer transactions at branches

4

Işbank (Turkey)

Finger-vein for both ATM, digital banking channels and branches

Key Insight: Natixis is not the only European bank using finger-vein tech, but its deployment is specialised toward internal trader access and enterprise security systems, compared with broader customer authentication at some other banks.

Telecommunications

SIM Registration, Re-registration & SIM-Swap Prevention

Highest Impact Fraud Prevention for Mobile Operators

Problems Mobile Operators Face

SIM-swap fraud and identity theft
Agent collusion and fake registrations
Recycled and synthetic identities
Fingerprint failures for manual labourers and elderly
Face biometric struggles with lighting and spoofing

How Finger Vein Fits

Primary biometric where fingerprints fail
Fall back biometric where fingerprint or face recognition fails
Step-up authentication for high-risk SIM actions
Proof-of-Life for SIM registration and re-verification

Practical Implementation Flow

SIM Registration at Agent/Service Centre

1
NIN capture (already mandatory)
2
Face biometric (standard process)
3
Finger vein as Proof-of-Life verification

On SIM-Swap, Port-out, or Replacement:

Customer must re-authenticate via finger vein biometric

Prevents impersonation even if documents are stolen

Why Operators Would Care

Finger vein is internal + live, extremely hard to spoof
Works well in dusty, outdoor, rural conditions
Strong audit trail for regulators (NCC, NIMC)
Reduces fraud losses and improves compliance
Enhances customer trust and security perception
Government & National Identity

Government, E-Signature & National Identity Use Cases

Finger Vein biometrics are suitable for government systems where identity certainty and liveness assurance are critical.

Key Government Applications:

E-signature: Government Digital signature
National identity verification and enrollment
Pension and social benefit validation
Border, immigration, and access control
Civil service and payroll authentication
Land administration and civil registries

Unique Government Advantages

Unlike surface biometrics, Finger Vein:

Is internal to the body — cannot be copied or photographed
Provides physiological Proof-of-Life by design
Unaffected by surface damage or ageing
Resistant to spoofing and AI impersonation

These characteristics underpin its acceptance by national regulators and identity authorities globally.

Nigerian Deployment

Now Ready-to-Go-Live in Nigeria

Proven Global Deployments

Across banking, telecoms, and government systems

Regulatory Approvals

CBN endorsement and NIMC approval secured

OEM Exclusivity

Hitachi Finger Vein technology exclusive in Nigeria

Environ's Finger Vein 3FA platform is ready for live deployment across:

Banking & Payments
Telecoms & SIM Registration
Government Identity Systems

Why Institutions Choose Finger Vein

1

Delivers true Proof-of-Life through live blood flow detection

2

Immune to surface damage (cuts, worn fingerprints, ageing)

3

Prevents spoofing, replay, and AI-generated attacks

4

Scales from retail banking to national identity systems

5

Supports regulatory audit, compliance, and forensic investigation

These advantages explain its long-term adoption by banks, telecom operators, and governments globally for over 25 years.

Why Institutions Choose Environ

Exclusive OEM Partnership

Environ is the only provider with Hitachi Finger Vein OEM exclusivity in Nigeria

Central Bank Endorsement

Formal CBN No-Objection and regulatory approval secured

NIMC Authorisation

The only vendor approved by NIMC for Finger Vein biometric deployment

Ready to Deploy Finger Vein 3FA?

Contact Environ Nigeria

Consultation available for banks, telecom operators, and government agencies