Knowing one’s ID number in most countries can be enough to setup an account in someone else’s name. This leads to criminal activity, and fraud. Since the NIN is a public number, there needs to be a way to provide authorization for someone to open an account. This is where the GAON comes in.
One will login to the government portal using their GIN and password for authentication. From there, they will be able to acquire a GAON for any company they wish to do business with. This GAON will only be valid with the person acquiring the GAON, and for the company the GAON was created for. This means that the account owner must have made the incentive to acquire the GAON for the company they wish to receive.
This means that Joe can not open an account in Frank’s name without knowing Frank’s GIN, the 2FA code for Frank, and somehow cloak his actions from Frank who will be notified immediately anytime a new GAON is created. This is a lot of hurdles, and while inconvenient, it is a very secured system.
The GAON is only needed for setting up an account. It is not required for making changes to an account. For example, the person will acquire a GAON for the telephone provider if they do not have telephone service with that provider. However, if the customer wishes to have a new line added, they will simply add the line since they have an account/customer relationship with that company. Again, this is inconvenient, but it is built around the security of every person wishing to do business with a Kaldan company.