After six years in Arizona, I graduated from The University of Arizona, and returned to China on Sep 01, 2017.
My previous returning to China was in 2014, and China has changed greatly during my three years of absence.
Swipe Your Face
Fraud is a serious problem in China.
The "standard" countermeasure is two-factor authentication, i.e. a random code sent to your phone.
However, fraudsters have been able to convince the victim to reveal the random code on their phone.
A stronger countermeasure is doing all transaction in person: you have to show up at the bank or phone company, and present your ID card.
However, there are usually long lines in those places and thus it's not a pleasant experience.
The regulators invented a new way: "swipe your face".
I bought a SIM card for my smartphone online.
To activate my account, I must upload a picture of my ID card, and record a video of me acting according to a series of random instructions.
The instructions could be: "blink your eyes, open your mouth, rotate your head to the left".
The system would then analyze the video to confirm that I am alive and am the same person as shown on the ID card.
I believe video authentication provides much stronger authentication than asking for "mother's maiden name" and "last four digits of social security number" as most companies do in the United States.
It is surely less convenient than answering a few questions, but this is a trade-off for China where fraud is more common.