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Re:The scam YouTube ads are getting better by consp on Wednesday January 24, 2024 @10:38AM (#39118588)
Those are the fancy ones (scratching your ID card is still annoying). The less fancy ones use a lighting scheme on the phone or zooming methods to detect fake actors and do not require a human on the other side. The fancy ones also do not scale.
Re:The scam YouTube ads are getting better by hnbad on Thursday January 25, 2024 @10:29AM (#39130546)
Scale relative to what? The fancy ones are the only ones I've ever encountered in Germany except when dealing with an American company that insisted I upload photographs of my ID card directly to them (which due to the lack of a proper privacy policy brought me close to ditching the client that asked we use them).

There's also Postident (which involves walking into a post office and showing the clerk your ID card in person) and eID (which requires a compatible smartphone and uses the digital data on the ID card itself). Video ID is pretty ubiquitous these days, so I'm not sure why you think it "doesn't scale".

If you're suggesting alternatives that only rely on biometrics, I don't think those are sufficient to fulfill the requirements of anti-money-laundering laws in Germany even if American KYC laws might allow them.