Linking Aadhaar Card With Bank Account: UIDAI Answers Your Queries
The government has made quoting of the biometric identity number - Aadhaar - mandatory for opening of bank accounts as well as for financial transactions of Rs. 50,000 and above.
The Supreme Court is yet to take a decision on the validity of Aadhaar and whether the State can compulsorily link Aadhaar to various programs and all financial transactions. On 24 August 2017, a nine-judge Constitution Bench of the Supreme Court ruled against the Central Government to declare that privacy is a fundamental right under the Constitution of India. The Supreme Court is set to hear petitions challenging the validity and other aspects of Aadhaar in the first week of November 2017. Therefore, just wait for the verdict.
A centralized and inter-linked biometric database like Aadhaar will lead to profiling and self-censorship, endangering freedom. Personal data gathered under the Aadhaar program is prone to misuse and surveillance. A centralized and interlinked database can lead to commercial abuse. Aadhaar project has created a vulnerability to identity fraud, even identity theft. Easy harvesting of biometrics traits and publicly-available Aadhaar numbers increase the risk of impersonation, especially online and banking fraud. Centralized databases can be hacked. Biometrics can be cloned, copied and reused. Thus, biometrics can be faked. High-resolution cameras can capture fingerprints and iris information from a distance. You can change your password if it is compromised. But if someone gets a copy of your biometric data, which can be used for authentication, what would you do?
UK's Biometric ID Database was dismantled. Why the United Kingdom's biometrics-linked National Identity Card project to create a centralized register of sensitive information about residents similar to Aadhaar was scrapped in 2010? The reasons were the massive threat posed to the privacy of people, the possibility of a surveillance state, the dangers of maintaining such a huge centralized repository of personal information, and the purposes it could be used for, and the dangers of such a centralized database being hacked. The other reasons were the unreliability of such a large-scale biometric verification processes, and the ethics of using biometric identification.
The US Social Security Number (SSN) card has no biometric details, no photograph, no physical description and no birth date. All it does is confirm that a particular number has been issued to a particular name. Instead, a driving license or state ID card is used as an identification for adults. The US government does not collect the biometric details of its own citizens for issuing Social Security Number.