Banking Exchange Magazine Logo

My fictional partner

My wife doesn’t really exist … even though she does

In today's UNconventional Wisdom blog: Without acceptable ID, people can become "non-persons" to the banking system. Isn't it time somebody did something about this? In today's UNconventional Wisdom blog: Without acceptable ID, people can become "non-persons" to the banking system. Isn't it time somebody did something about this?

She doesn’t know she’s appearing on my blog today—but it doesn’t matter because she doesn’t exist.

Well, she does physically but, according to my bank, she doesn’t exist.

I only discovered this recently, due to trying to open a new joint investment account. To open the account, the bank asked me to come in with identity documents—a passport or driving license—and at least two utility bills showing my name and address.

That was no issue for me. But, for my wife, it proved to be very difficult.

My wife, Mrs. Nonexistent

First, due to having children, she had stopped travelling and her passport had expired.

She has a driving license but passed her test in Poland, her home country, and a Polish license is not recognized by a British bank as a valid id. She doesn’t pay any utility bills and only has a bank statement in her name. However, she signed up for estatements and these are not recognized as a valid name and address bill due to being a printout and not a real statement.

Oh dear.

What do we do? My wife apparently doesn’t exist. This is not just an issue for her, but an issue for around 2.5 billion people around the world. Due to the fact that their birth was never recorded and that they haven’t needed to show any official ID, they don’t exist.

That’s a dream for human traffickers, as they can abduct people who don’t exist really easily. Equally, as I noted a year ago, even if you do exist it is easy to make you disappear. I just destroy your documents.

Unconscious in a running suit

I’ve thought about this quite a bit during my travels. For example, I often go jogging on the streets of the countries I visit and thought one day that if I was hit by a lorry or car whilst jogging, how would the hospital know who I was? How would they track me down? Would anyone know that I had disappeared?

It’s not obvious, is it? When jogging, I have no ID on me. As a result, I’ve had my name, social security number, and birth date tattooed on my rear end just in case.

Just kidding, but you get the idea. What I actually do is wear an ID bracelet when travelling … just in case.

But identity is a really tough area that is incredibly badly managed today. Yes, there are many people who don’t exist but, even when you do exist, it is pretty ineffective as just outlined. Steal my passport or lose my driving license and who am I? How do you know it’s me?

Today’s system isn’t working

Even if you do exist, it is obviously easy to buck the system, as evidenced by that stunning statistic of $1.6 trillion being money laundered through the banking system and only 2% actually being tracked, traced, and caught.

Nope, identity systems of the 20th century are completely useless in this digital age. We need something better, and I’ve referred to self-sovereign identity schemes a few times now (most recently related to the Equifax hack).

Anyways, I thought the point was illustrated particularly well by my non-existent wife, even though I can see her and touch her.

Shame she doesn’t exist.

This blog is taken with permission from The Finanser, Chris Skinner’s blog.

Read "Identity crisis: Who the heck are you?"

Chris Skinner

Chris Skinner has become known as an international independent commentator on fintech through his blog, the He is the author of the bestselling book Digital Bank and its sequel ValueWeb. Both books have been reviewed on and a chapter excerpt of ValueWeb also appears on the site. Skinner chairs the European networking forum: the Financial Services Club. He has been voted one of the most influential people in banking by The Financial Brand and has received similar honors from The Wall Street Journal and other organizations. Visit Skinner's professional website.

back to top


About Us

Connect With Us


Adaptive Authentication:

Superior User Experience and Growth through Intelligent Security

Banks and financial institutions find themselves trying to satisfy competing priorities. Fraud continues to grow at an alarming pace and in sophistication year-over-year.

Intelligent adaptive authentication is a new approach to combating fraud that solves this problem and achieves the twin goals of reducing fraud and delighting the customer.


OneSpan logo