the point is that banks mfis, a few years ago they switched to simplified identification, that is, to a small amount online, it is enough to have a ska for passports and such a visit to the office in some cases, the bank may request snils, but this does not always help, and passport data and snils of tens of millions of russians are stored in commercial and government databases, one hack or an unscrupulous employee is enough and there is already a risk, although they themselves are smart without a personal visit and small, but there are limits on the number of loans. no, especially malicious crooks, manage to take dozens of microloans per day, the question arises. but what about the banks? do they really not carry out identity verification, in general, of course, yes, but criminals find loopholes, sometimes banks trust third-party organizations to verify. well, they can relate to their functions. well, perhaps negligently, in some cases , a video conference or a photo with a passport in hand is required, that is, something in between a visit to a bank and an anonymous issue online. ho