But asking for both kind of defeats that purpose...interact e-transfer already gives a name. The receiver, or the female, is the only one who can hide their last name. And you can't fake that, they had to use government ID when making the account, and cannot use a false name.
I can also take a picture next to my ID, and alter both faces and change the DOB and name with AI in about 10 seconds. And AI programs to test images for AI give tons of false positives. So using those images for safety was obsolete about 5 years ago, 2 years if you only count people using free AI LMs.
The only reason to require both is for scams and identity fraud.