Stronger protection
We're committed to staying one step ahead of scammers. That's why we've introduced Behavioural Security - an extra, invisible layer of protection designed to help keep you and your money safe from fraud and scams. It’s entirely automatic, so you won’t notice anything different while you use our online services.
How Behavioural Security works
Just as your handwriting is unique to you, so is the way you use your device.
Behavioural Security recognises how you use our online services, like how you type on your keyboard, swipe and scroll through pages, and press buttons on your screen. We call this behavioural information, but it can also be called behavioural biometric information. This helps us spot unusual behaviour, like if someone pretends to be you and logs into your account.
What information is collected by Behavioural Security
Behavioural information
This includes:
- How you use your mouse.
- How you scroll.
- How you type, tap and swipe.
- How you navigate between screens.
Device Details
This includes:
- Model and type.
- IP address.
- Permissions and settings.
- Network and connectivity information.
Optional information
Information you've given us permission to see in your device like:
- Your location.
- If you're connected to Wi-Fi or access points.
- Paired devices (Android only).
What information is not collected by Behavioural Security?
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Behavioural Security does not collect physical information like fingerprints and facial images.
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It doesn’t collect information about your activity on other websites or apps.
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It can’t see what you type, read your messages, or look at your photos.
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We can't see you or hear your calls, and conversations remain private.
Your privacy is important
We take your privacy and the protection of your behavioural information seriously:
- We will only ever use this information to help detect and prevent fraud and scams.
- We won’t use this information for any other purposes including marketing or to assess your eligibility for our products or services.
- All data is encrypted so that your behavioural information is secure.
- We won’t keep your behavioural information longer than necessary (3 years).
If you’d like to find out more about our privacy practices, your privacy rights, or how to raise a concern, please see our Privacy Statement.
FAQs
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Will I notice a difference in how I do my banking online?
No. Behavioural Security will be introduced automatically, and you won't notice anything different. When it’s activated, you’ll see a pop up when you log in to let you know this new layer of protection has been added.
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What happens if unusual activity is detected?
If we detect activity that doesn’t match your normal interactions our fraud team will be in touch to verify it’s really you.
However, we will:
- Never ask you for your banking passwords, PINs, or verification codes
- Never need to know your full credit card number - especially not the CVV
- Never ask you for remote access to your device
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Do other banks do this?
Yes. Behavioural Security, also known as behavioural biometrics, is used by other major banks in New Zealand and globally.
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What if I use my device in a unique way?
Behavioural Security is personalised to your unique behavioural patterns, including the use of assistive technologies such as screen readers. It will also adjust over time to changes in behaviour.
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Who do you share this information with?
Your information is shared with our specialist security partner who provides our Behavioural Security technology. They won’t be able to use this for any other purpose, or to identify you, and your information will be encrypted and securely stored.
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Why does ASB collect and use behavioural information?
We will only ever collect behavioural information to help detect and prevent fraud and scams.
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Can I opt out of Behavioural Security?
If you don’t want your behavioural information collected, you can still bank with us over the phone, through ATMs, or by visiting a branch.
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Want to know more about privacy?
If you’d like more detail on how we handle your information, or your privacy rights, including how to raise a concern, you can read our Privacy Statement.
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How will you request my permission for optional information, such as location?
We’ll only collect certain information if you give us the relevant permissions via your device. Permissions will be requested on app install or update, and how these will look will depend on your device.