It is a growing trend that more and more people today are favouring convenience and time saving measures in their daily lives. In an effort to become a safer and more efficient society Sweden is now reported to be the most cashless nation in the world with only 1% of payments last year being made with money according to Riksbank (Sweden’s central bank). In fact, Swedish legislation makes it possible for retailers to refuse to accept cash and to display signs promoting this. As a result of this emerging cashless society The Associated French Press report that approximately 3000 Swedish residents, since 2015 have opted to have a micro-chip surgically implanted under their skin. This relatively simple procedure is not only able to replace the need for cash and credit cards, but also keys, gym cards, train tickets and IDs. So, instead of bulging wallets and overstuffed handbags containing several sets of keys and numerous individual cards, this new technology has now surpassed the need to carry all these individual items, instead replacing everything with a tiny micro-chip. However, how reliable is this new technology, how is our online privacy guaranteed? and who is governing it?
For some time now people have been moving towards this type of technology using services such as Apple Pay , Smart Locks. and a new app favoured by many Swedes called Swish, which allows customers to send money securely to anyone else with the app. However, smart phones can be easily stolen, lost or hacked so an increasing number of people have been opting for the more practical and apparently ‘safer’ option of an inserted biometric microchip. These microchips are very similar to the ones veterinarians implant in dogs and cats to locate and reunite them with their family if they go missing. The procedure to insert the microchip is comparable to that of a piercing and involves a long cannula inserting the microchip (roughly the size of a grain of rice) into a person’s hand. It is not necessarily a painful process but people who have had a chip inserted reported they felt a ‘slight sting.’
Once implanted the chip then fundamentally works as a digital keychain. Using NFC (near-field communication) it is able to send information wirelessly from a chip to a reader at a distance of around 4cm. Currently, the implanted chips are able to unlock doors to cars and offices and make credit card payments. Since June 2017, Swedish people have also been routinely purchasing their train tickets with their microchips and are enjoying the convenience of the new technology. To collect train fares the state owned SJ rail line now scans the hands of all passengers who have a biometric chip inserted. As the technology advances in the future it is predicted that the microchip can be used eventually to purchase everything you are able to with a contactless card in addition to replacing keys, ID, and membership cards.
‘Biohacking’ the term used to describe the modification of bodies with technology is steadily growing in addition to those people who choose to use tech wearables such as Fitbits and Apple watches. Over the past four years Bionyfiken a Swedish biohacking group has organised a series of ‘implant parties’ where microchip insertion takes place collectively. These implant parties have also included small groups in other countries such as the UK, Germany, France, Mexico and the US. At a Wisconsin vending machine company 50 employees volunteered to have the microchips inserted into their hands, which they were then able to use to log onto computers, use photocopiers or buy snacks.
Tech Insider Bionyfiken founder Hannes Sjöblad a huge proponent of biohacking stated in 2015 that: “The human body is the next big platform. The connected body is already a phenomena. And this implant is just a part of it. (….) We are updating our bodies with technology on a page scale already with wearables. But all the wearables we wear today will be implantable in five to ten years. Who wants to carry a clumsy smart phone or smartwatch when you have it in your fingernail I think that is the direction where it is heading.”
It would seem though that Swedish people are far more willing to trial this technology than other nations. This could be due to the fact that their population of approximately 10 million are generally more open and willing to share their personal details as it is all readily available and recorded by their social security system. According to AFP Swedish people are able to call the tax authorities and find out other people’s salaries if they wish. With this transparency of information it is notable that Sweden has historically low corruption levels and Swedish people are generally more trustful of banks and fraud related to electronic payment. Most Swedish people also do not believe the microchip technology is capable of being hacked as it is not advanced enough and the data that is collected and shared is too limited for users to worry about being hacked or or being under surveillance.
If that is to be the case and we are all walking around with implanted biometric chips in our hands in ten years time, then what about the obvious concerns regarding the security of data? As undoubtably all internet connected data is at risk from being hacked no matter how secure it may seem. With a person highly skilled in coding and the use of a specialised reader even NFC can be hacked. Smartphones have identified and tackled this problem by combining NFC technology with biometric readings such as fingerprints or facial scanning. However, implanted microchips do not yet have the capacity to add this extra tier of security which could potentially lead to your personal information being more susceptible to being hacked.
The other security concern with this microchip technology is the fact that the chips are produced by big companies who would have the ability if the chip was scanned with a reader to track you wherever you go. Large corporations would be able to record how much time you spend for lunch and how many trips you make to the bathroom throughout the day. It is just a matter of time before this happens and opting out of this type of data collection is much more complicated when you have a chip implanted inside your body which requires surgical removal as opposed to being able to leave your smart phone or device at home or at your desk. For some employees then big brother really will be watching them.
Although the Swedish nation appear to be leading the way with micro-chipping technology and are fast becoming a cashless society, they also appear to be more tolerant and trusting of the surveillance and hacking issues. Swedish people believe a cashless society is the way forward as it minimises the risk of robberies and it is a much more efficient and quicker way to pay. However, without additional safeguards to guarantee online privacy, the microchipping phenomenon has the potential to create a huge logistical security problem. This technology is governed presently by the big companies for which sharing of information especially around surveillance almost definitely works in their favour. For now with the risk of uncertainty all eyes are on Sweden to see if any major security or surveillance breaches occur. Other nations currently seem a little more reluctant to follow suit and participate in biohacking with quite so much enthusiasm as their fellow Swedes, so for now at least lets just sit back and watch this space…..



