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The Virtual Capture system guides applicants to take a picture of the front and back of their ID from their mobile device and then take a selfie.

Credit union members seem to be either confused or conflicted. They want protection from identity thieves but they want their experience to be frictionless. So they must conjure up some fintech magic to improve security without affecting engagement.

Roy Urrico

Roy W. Urrico specializes in articles about financial technology and services for Credit Union Times, as well as ghostwriting, copywriting, and case studies. Also: writer/editor of a semi-annual newsletter for Association for Financial Technology since 1997 and history projects funded by the U.S Interior Department, National Park Service and Warren County (N.Y.).

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