The person you’re replying to is saying that in the several years the technological means to impersonate people at scale has become widely available, and because of this financial institutions are having to strengthen their security measures to defend against fraud.
When last time employee of bank or public administration in developed world paid consequences for leaking private or biometric data, copies of documents or documents themselves?
Because now you have kiddos in customer service demanding things like deed of purchase of real estate or inheritance documents.
