2021 Biometrics Predictions

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2021 predictions for digital identity and biometrics

15 December 2020

December 2019: We met in the iProov office and debated our predictions for 2020. We talked about digital transformation, particularly in financial services, government, and health. We posited some thoughts. Someone questioned if these things would actually happen within the next 12 months. Nobody predicted a pandemic.

December 2020: A year of living, learning and working online has accelerated digital transformation beyond all expectations. On what was surely the 10,000th iProov Zoom call of the year, we debated our predictions for 2021 and agreed that it is going to be another big year for digital identity and biometrics:

1 – The deepfakes arms race will intensify in 2021. We can expect to see an explosion in the quality and quantity of deepfake usage in 2021. Some of it will be for light-hearted pranking – Joe Biden turning up to family Zoom calls, for example. Some will be for entertainment – the makers of South Park are using deepfakes for their weekly online satire show. But we’ll also see deepfakes being used for disinformation and fraud. Celebrities, politicians and experts will be shown saying things that they’ve never said. Armies of ‘fake people’ who look and sound real will share disinformation on an enormous scale online, making people believe that thousands of people hold a contentious opinion, when in fact none of those people even exist. What has changed is that it has become increasingly simple to create a very high quality, sophisticated deepfake. What was once a very complicated process, only really possible in Hollywood movie studios, is now something that any teenager sitting in their bedroom can execute proficiently. The arms race between misuse of convincing deepfake technology and the technology companies, governments, and businesses that are protecting society and democracy will intensify as a result.

2 – Onboarding with online biometrics will expand to new countries. Within the next 12 months, banking regulators in global territories – including Europe and the Far East – will authorize the use of automated biometrics instead of video calling for remote Know Your Customer (KYC) processes. Just as in 2019, when a well-publicised voice fraud scam duped a high-profile CEO, by the end of the year there will have been several criminal money-laundering scandals arising from the use of deepfakes in video calls. Countering this could very well mean that several countries, including the United States, also take concrete steps towards instituting government-backed digital identities – see below. This will be an important step towards enabling financial institutions and government departments to verify identity and mitigate fraud in bank onboarding and government support programs.

3 – Social networks will turn their attention to user authenticity. Goodbye, anonymous trolls. To curb abuse and rebuild trust, social media platforms will offer additional capabilities to verify their users. Like the blue checkmark on Twitter, online identities will become easily recognizable as genuine. Currently this type of confirmation is a manual process reserved for high-profile accounts in the public interest. To automate verification and extend a badge of trust to more users, social media platforms will need to deploy strong, irrefutable authentication that a user is a real human being. Biometrics offer the effortless usability and accuracy of authentication that will be needed to do this at scale. Informed choice and consent will help to allay privacy concerns and objections.

4 – Temporary changes to healthcare will become permanent. Video doctor visits, same-day prescription home deliveries and online symptom checks are just some of the emergency measures put in place in several countries to provide safe patient access to medical services during the pandemic. Laws were temporarily relaxed to allow for quick innovations that will most likely become a permanent fixture of modern healthcare. But these conveniences cannot become commonplace without putting some additional safety and privacy measures in place. One example is using remote biometric identification to protect patient privacy, verify identity and prevent abuse of services, such as prescription management.

5 – The U.S. will take concrete steps towards instituting government-backed digital identities, both private and public. One of the reasons that the U.S. is lagging in digitization is that there is no centralized, trustworthy source of online identification. The COVID pandemic has highlighted two significant issues with this: first, the dependence on physical document checks to open bank accounts or access government services, when technology can now verify identity better than humans. Second, the inability to prevent fraud when government support programs are ramped up to cope with crises. Government-backed digital identities will allow banks and other institutions to securely verify the identity of customers and citizens online, giving those individuals access to a broader range of services, while cutting back on the risk of fraud.

6 – There will be contactless border crossings on both sides of the Atlantic by 2022. Contactless travel and curb-to-gate self-service will make border crossings safer and faster. The Department of Homeland Security plans to pilot an integrated solution from iProov to enable travelers to quickly transit remote border ports using their personal devices to report their entry and exit to CBP―without requiring the direct engagement of a CBP Officer in person or online―with a secure, privacy focused mobile application. In Europe, as part of its railway innovation initiative, Eurostar is planning deployment of iProov biometric technology to authenticate tickets via an optional walk-through biometric facial verification corridor. Transportation experiences that offer contactless checks allow travelers to more easily practice health guidelines to maintain physical distance from others and minimize contact with high-touch surfaces.

7 – Biometrics will enable digital novices to connect and authenticate online. The pandemic is pushing everyone online, whether they like it or not. This should be treated as a real opportunity to provide older generations and technology newcomers with access to services that they wouldn’t otherwise have had. In 2021, this will result in three things: firstly, the password, which has long been the bane of many people’s online interactions, will be replaced by simpler authentication methods, such as biometrics. Secondly, if progress in this area continues to be made in 2021, it’s possible that worldwide as many as 100 million people over the age of 70 will possess digital IDs, with the concept of the ‘digital power of attorney’ very soon becoming a reality. Thirdly, many of the people using technology for the first time are also often the ones who are most susceptible to online manipulation. Seniors are about five times more likely to report financial loss due to tech support scams. Creating ways of safeguarding individuals online will move further up the agenda.

8 – Online dating will be less risky with biometrics. Matchmaking sites will adopt biometric authentication to make it easier to distinguish deceptive dating practices such as catfishing. More than a quarter of dating website users were duped by fake personas over the past year. With face-to-face interaction greatly diminished in the pandemic, people of all ages are going online, not just to find love but also to socialize and connect with other humans at a safe distance.

Find out more about how iProov is helping the Singapore Government, the National Health Service, the UK Home Office, Rabobank, Knab Bank and Eurostar.

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Genuine Presence Assurance examples

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5 Times the World Needed Genuine Presence Assurance in 2020

2 December 2020

2020 has been an online year: we’ve had to socialize online, work online, learn online, and do our admin, shopping, banking, healthcare and everything else online. It’s not surprising that online crime has also increased.

More than ever before, we need to be able to check that an individual online is who they claim to be. Governments need to check the identity of people applying for support programs, banks need to check the identity of customers who can no longer come into branches, organizations running secure conference calls need to make sure that they’re not being infiltrated by the wrong people.

The answer to all of the above is Genuine Presence Assurance.

We thought we’d share some of the year’s most newsworthy examples of when Genuine Presence Assurance would have been helpful:

1. 6 year old boy buys £19,000 monster truck on eBay

It’s a big price to pay for leaving your laptop open: Mohammad Faraji ended up with a bill for £19,000 after his six-year-old son bought a monster truck on eBay. Mr Faraji had been using PayPal for years for small payments and was shocked that the huge amount was processed without any security check. Genuine Presence Assurance would have enabled a quick ‘step-up authentication’ to check that Mr Faraji was indeed the person agreeing to pay £19,000.

Monster Truck eBay

2. Fraudsters steal $58m using video calls and mask, pretending to be French foreign minister

It was audacious but they nearly got away with $58m. A group of fraudsters pretended to be Jean-Yves Le Drian, now French foreign minister but at the time the minister for defense. The criminals targeted 150 people and organizations, requesting funds by phone and video call for secret missions. In the Skype calls, one of the gang wears a custom-made mask of Mr Le Drian in a fake office, complete with flags and a portrait of the French President. Genuine Presence Assurance can verify identity on conference calls, ensuring that sensitive conversations are held in total confidence that the individuals are who they say they are. Secondly, as the name suggests, Genuine Presence Assurance detects that a user is a real human being – it recognizes masks and other presentation attacks, such as photographs.

3. Premiership football club nearly loses £1m on a hacked player transfer

Another example of audacity: the National Cyber Security Centre (NCSC) reported this year that the email address of a Premier League football club’s managing director was hacked during a transfer negotiation. It was only the intervention of the club’s bank that stopped £1m being paid to the criminals. Transfers are often done under intense time pressure – even if you’re not a Premiership football club, time pressure creates a perfect opportunity for criminals to dupe your employees. Genuine Presence Assurance can ensure that only certain individuals can set up new payees or authorize large payments on bank accounts.

Money and Football

4. Elon Musk joins the conference call

Imagine wrapping up a work call and suddenly Elon Musk appears, apologizing for accessing the wrong meeting and complimenting you on your hair. This scenario, demonstrated by the team at Avatarify, went viral earlier this year showing the power of deepfake technology. It might not have been seamless but it demonstrated the potential of being able to take any face and make it say anything. Genuine Presence Assurance has been designed to detect deepfakes and other synthetic media – as deepfakes become more sophisticated, it is becoming impossible for people to tell the difference between real and fake. Only technology will be able to protect against their malicious use on conference calls, or for accessing devices or secure services.

5. Dutch journalist joins security council call

This final example shows what’s at stake with insecure conference calls: a journalist managed to guess his way onto a confidential video conference of EU defense ministers when the Dutch defense minister accidentally posted some of the login details on Twitter. “You know that you have been jumping into a secret conference?” EU foreign policy chief Josep Borrell says. “You know it’s a criminal offence, huh? You’d better sign off quickly before the police arrives.” It’s easy to blame over-enthusiastic tweeting, but the responsibility lies with the people running the conference: if it needs to be secure, Genuine Presence Assurance is the only way to ensure that only the right identifiable and verifiable human beings are joining the call.

How can Genuine Presence Assurance help your organization?

Genuine Presence Assurance verifies that an individual is:

  • The right person
  • A real person
  • Right now

Read our Genuine Presence Assurance case studies, showing how banks, governments, social networks, healthcare providers, travel organizations and more are protecting their customers and organizations from online fraud and other cybercrime.

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Blog

How many online purchases will be abandoned this Black Friday because of password frustration?

24 November 2020

Earlier this year, iProov published data showing that the average American abandons an online purchase 16 times a year because they can’t remember their password. It’s not much better in the UK; the average Brit abandons 15 purchases a year.

Think of all the frustrated customers trying to remember their passwords. Think of the millions of dollars of lost sales. Think of all the marketing budget invested in getting a customer to the point where they’re ready to pay…and then an unnecessarily clunky log-in process that hasn’t changed much in 20 years sends them away. 

How does biometric authentication reduce abandoned purchases?

Biometric authentication provides two things that passwords cannot offer: security and usability. Passwords can be stolen or guessed. Your real face cannot be stolen. Liveness detection enables customers to complete a face scan lasting a few seconds, which confirms that they are the right person (replacing the need for a password) and that they are a real person. 

This means that customers get a simple, convenient, hassle-free way to log into a website within seconds, which prevents abandoned purchases. Retailers, on the other hand, can increase their security against fraud.

Consider the difference between passwords and Liveness Assurance from iProov:

Using passwords:

  • Imagine you are using a password to log in and buy a jumper as a gift for a loved one
  • The website says ‘Sign In! Or choose ‘New Customer!’
  • You immediately start a conversation in your head: Have I used this website before? If I click New Customer and put my email address in it could throw an error that it’s already in use? What to do? I’ll risk it and choose ‘Sign In’.
  • Type in my email address.
  • What’s my password? The password that I was using a lot this time last year was…it could be one of three. I’ll try one of them and see how I get on.
  • ‘Email address or password not recognized.’ Now what? Have I used the wrong email address? Or the wrong password? Do I try the same email with the other two password options? Or do I try another email with the same password? I’ll just click Forgot Password.
  • ‘Please provide your email address and if we recognize it we’ll email you.’ OK. Type in email address. Then go to my email account. Nothing there. Is that because it’s slow? How long should I wait? Or has it gone into spam? Or was the email address wrong?
  • Amazon does jumpers. It’s not the type of jumper my mother asked for or even wears but it’s the thought that counts.

Purchase abandoned.

Using iProov Liveness Assurance:

  • ‘Sign In! Or choose ‘New Customer’!’ I’m fairly sure I have an account with this website. Here’s my email address. Now a quick face scan lasting 3 seconds. It let me in! Great!

Purchase complete.

It’s time to bring authentication into the 21st century. Let’s aim for a Black Friday without the password frustration and abandoned purchases in 2021. Read more about passwordless authentication from iProov.

 

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Andrew Bud

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“Scratch me, I’m an engineer” – an interview with Andrew Bud

19 November 2020

iProov CEO, Andrew Bud, talks to the Mobile Ecosystem Forum about his career – from engineering a faster Chocolate Flake machine to creating iProov and Genuine Presence Assurance.

Watch the interview with Andrew Bud

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iProov GovTech

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Singapore GovTech shares face verification insights on iProov webinar

10 November 2020

A big thank you to everyone who joined our webinar on Face the Challenge: Singapore’s Solution to Digital ID Verification.

We were honored to have Quek Sin Kwok, Senior Director of National Digital Identity at the Government Technology Agency of Singapore (GovTech), as our guest on the panel.

He was joined by iProov’s founder and CEO, Andrew Bud, and by Dr Foong Wai Keong from systems integrator, Toppan Ecquaria.

The webinar kicked off with a presentation from Dominic Foon at GovTech. He talked about Singapore’s Smart Nation initiative and the role that national digital identity plays in growing the economy. He also provided an overview of the SingPass platform, which is used by 4 million Singapore residents to transact with over 400 digital services.

Dominic also explained the importance of GovTech’s biometrics-as-a-service platform. This enables private enterprises to take advantage of the government’s National Digital Identity (NDI) infrastructure, offering simplified face authentication to customers without the business needing to invest in biometric systems. A local bank using the NDI platform has already seen thousands of authentications with a high success rate.

A panel discussion followed the presentation. Some of the points covered on the webinar include:

  • Why facial verification: what are the advantages of face authentication over fingerprints and other biometric identification?
  • How GovTech completed the supplier selection for this pioneering face verification project, testing many global solutions for security before choosing iProov
  • The importance of Genuine Presence Assurance – why GovTech needed the most secure technology available
  • The importance of privacy: how is the biometric data stored?
  • Biometrics-as-a-service: what has been the response from the private sector?
  • Learnings from the project
  • What’s next for SingPass?

You can register for the on-demand webinar here.

Find out more about how iProov supports government national identity programs.
To hear about future iProov webinars, please follow us on Twitter or LinkedIn.

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US consumers reset password

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How does Genuine Presence Assurance help with data breaches?

23 October 2020

Barnes & Noble, the US bookseller, has become the latest brand to notify its customers about a data breach.

Customer email addresses, billing and shipping addresses, telephone numbers, and order histories may have been exposed during the breach. 

But does anybody care? Does ‘data breach fatigue’ mean that most people take little to no notice of such occurrences? When iProov completed a consumer survey earlier this year, it showed that 39% of UK consumers and 36% of Americans who had experienced a data breach have now taken the attitude to “just put up with it” when it happens. 10% and 12% respectively went even further and said the breaches “don’t bother me”. 

Why is this? Is our assumption that nothing really bad can happen – the database was stolen, criminals might now know our names, addresses, email addresses and what books we bought. It’s a retailer. As long as my bank account is secure, I’m OK – right?

Wrong. It doesn’t matter if a criminal steals your email address from your bank or from the tiny website that you used once to buy a Hallowe’en outfit for a pet dog – an email address is an email address and chances are that you’ve used it elsewhere. If criminals can break into enough weak databases, they can acquire pots of data that can be pooled. That pooled data can then provide enough information on you to give your own mother a run for her money.

iProov does two things to limit the impact of data breaches. 

Firstly, we ensure that stolen data cannot be used to create bank accounts or apply for credit cards. Stolen data is always a means to an end, whether that’s money laundering, theft, or malicious intent. Money laundering relies on being able to open bank accounts using stolen identities or fake names. 

But criminals cannot steal your physical face. Genuine Presence Assurance from iProov is used by banks and other enterprises to make sure that online accounts can only be opened by a live human being, whose face matches the image held in a trusted identity document and who is genuinely present at that very moment to complete the authentication. If banks are using Genuine Presence Assurance, stolen identity data cannot be used.

Secondly, we ensure that ongoing authentication is secure. If a criminal attempts to take over a consumer’s existing account using stolen data – a bank account, an Ebay or other retail account, or any kind of account – they can’t do it if the business or service in question insists on an iProov verification for sensitive or flagged transactions. Again – the criminal can’t steal a physical face, so iProov stops them from taking over the account and doing any damage.

“Data breach fatigue is a worrying trend, because as consumers are losing interest in data theft, criminals are getting better and better at it,” says Andrew Bud, CEO of iProov. “The implications of breaches are severe: global crime is being facilitated through money laundering, while consumers, businesses and governments are losing millions of dollars through fraud due to identity theft every year. We need to stop seeing it as an occupational hazard of living and working online.”

“With Genuine Presence Assurance, banks, governments, healthcare providers and other organizations can protect themselves and their customers against fraud, while also playing their part in preventing money laundering and other organized crime.”

Stats from our survey on data breach fatigue

60% of consumers have had to change a password after a breach

US consumers reset password UK consumers reset password

37% of those have had it happen 3 times or more

US Consumer reset password more than 3 times  UK Consumer reset password more than 3 times

51% get annoyed about it but 37% say they ‘just put up with it’ and 11% say it doesn’t bother them

US consumer annoyed password change  UK consumers annoyed password reset

36% have had to cancel a debit/credit card because of a breach.

US consumer cancel credit card due to security data breach  UK consumer cancel credit card due to security data breach

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safeguarding social network

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How can social networks safeguard users with biometric authentication?

8 October 2020

Trolling is a growing issue for social networks, forums, news sites, and any online site where someone can anonymously comment without any real repercussions. 71% of people don’t feel like social platforms are doing enough to fight the problem of virtual harassment.

Social networking sites like Facebook and Twitter are working to reduce trolling. When fake or abusive accounts get reported, what efforts do they actually make to ensure the troll doesn’t just set up another account under an anonymous or fake alias? Twitter recently banned high profile celebrities for their abusive tweets, such as Katie Hopkins and Wiley for breaking the conduct rules but how can they prevent future abuse?

In a recent interview with the i, iProov CEO Andrew Bud, CBE said: “The scope for minor key forms of terror that can be injected into social networks if you don’t have good accountability of people’s behaviour is huge, and face verification is the way in which you can identify and stop trolls. iProov has the capability to do that on a very large scale, very reliably.”

At iProov, our mission is to make the internet a safer place, by building trust online with our biometric authentication technology. There is great potential for the introduction of biometrics to verify users on social platforms and safeguard communities from abusive behaviour. In early July we helped launch the first use of biometric safeguarding with an intergenerational mentoring platform, bloomd. The launch of the platform, originally planned for later this year, was brought forward to help support those impacted by loneliness or isolation during the pandemic.

bloomd uses biometric authentication as a ‘virtual doorperson’ so that anyone who violates the code of conduct will be banned, even if they attempt to sign up with a different name or email address. Not only does this safeguard the users within the community, but it will hold people accountable to misuse or trolling.

By integrating iProov’s Genuine Presence Assurance into the registration process, social platforms will ensure that users are real humans and not bots. Our biometric authentication confirms in a short ceremony that the user is the right person, a real person, and authenticating right now. The one-time biometric prevents account takeover from cyber criminals. iProov provides a secure way of preventing trolls from signing up under a different name to continue their abusive behaviour, as their iProov authentication will confirm if they have been banned previously.

So how long will it take for more social networks to protect their users from trolls and fake news? We hope platforms like bloomd will set a precedent for change. To find out more about how bloomd works, watch the webcast here.

Read more on how iProov can be used for safeguarding here.

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Mvine digital passport

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iProov and Mvine: delivering the first Covid-19 antibody test status digital passport

5 October 2020

After winning an Innovate UK competition to build a technology solution to help manage the COVID crisis, Mvine and iProov worked tirelessly to be the first to deliver a working prototype.

iProov’s SVP Revenue, Luke Moore, spoke with Mvine’s Director of Communications, Joseph Spear to find out more. First, we asked Joseph about Mvine’s unique background and how they got to where they are today. We delve into exactly what is included in the antibody test status digital passport and how it will work for users. And finally, how Mvine and iProov collaborated to ensure the project was delivered on time, in just two months, and to budget, with the help of the customer success team at iProov.

Watch the webcast below, and to learn more, contact enquiries@iproov.com.

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National Techie Day at iProov

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National Techie Day: iProov celebrates the brains behind the biometrics

3 October 2020

At iProov, we love to celebrate our iProovers and recognise their career achievements. You may have seen our previous blog posts about our Women in STEM and also empowering our iProovers on International Women’s Day. We celebrate talent and diversity at iProov, so National Techie Day is another opportunity to showcase our technology brilliance! National Techies Day is a day recognised to encourage students to pursue a career in technology. We chatted with Senior Software Developer, Evgeny Kazanov, to hear his journey into technology from Visaginas, Lithuania to London, UK and what advice he would give the younger generation looking to pursue a career in tech. 

Can you tell us about your early career and what you wanted to be when you grew up?

When I was a young child, my dream was to be a pilot, however my eyes aren’t so great!

Growing up, we didn’t have computers, so technical roles were very different to what they are today. I always enjoyed fixing things, and I think that’s where my interest in engineering came from. Finding broken or old items and fixing the electronics was a hobby of mine.

My first role after university was at a Nuclear Power Plant as a control and instrumentation technician. Over time I worked my way up to be a team supervisor, then as a C&I engineer, which is a control instrumentation engineer. Through my 20 years working there I also worked in the International Projects Department which was exciting. Throughout my life I have always enjoyed DIY projects and so engineering was a natural path for me.

When did you join iProov and what has your journey been like?

I joined in 2015 at a really exciting time. There were just a few developers and we were in a small office in London Waterloo. We are always working on big challenges that are interesting to solve. Although the tech teams have grown in those 5 years, the passion for solving big challenges hasn’t changed. We are still as hungry for innovation as we were at the start of iProov. I am very excited for the future of iProov.

What advice would you give to anyone considering a career in tech?

If you’re interested in innovation, with a curious mind for new inventions, a career in tech is for you.The technology industry is a forward thinking industry and it is growing rapidly. When joining a tech business, be prepared to adapt to a fast-paced company. At iProov we are always innovating. 

Critical thinking and problem solving are also key skills to have as an engineer. These can be achieved by studying subjects like maths and physics. A strong knowledge in these areas will build a good foundation for anyone looking at software development as a career choice.

If you are interested in joining the tech teams at iProov, take a look at our open roles here or if you want to know more about being an iProover, click here.

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Reducing online fraud in regulated industries

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Reducing online fraud for regulated industries: iProov talks to NorthRow’s CEO Adrian Black

30 September 2020

iProov’s partner, NorthRow recently reached their 10 year anniversary, which is a significant  milestone. Congratulations! 

We took the opportunity to speak to NorthRow’s CEO, Adrian Black, to find out more about the history of one of the UK’s leading RegTech firms, understand the services they provide, and more importantly, why the NorthRow-iProov partnership is a powerful combination for remote onboarding.

So Adrian, how did you get into the fraud and compliance industry?

My last corporate job was at the Daily Mail Group. They run a lot of online businesses which means that online fraud has been a continuing problem. At the time of working there the Metropolitan Police had set up Operation Sterling, which was an anti-fraud initiative. They created industry-specific forums to share intelligence and fight online fraud. For three years I helped establish, and then chaired one of those fraud forums, working with the Police, the Information Commissioner’s Office, and other leading players in online automotive classified advertising. I was keen to get involved and influence the fight against online fraud. 

We developed an active and effective means of intelligence sharing which resulted in blocking fraudulent advertisements with a face value of around £250m in the first few years of operation. This success, in helping tackle automotive classified advertising fraud, led to meetings with other industry sectors and helped me identify an opportunity to tackle the fraud challenge that they also faced. It was clear that technology could provide an improved solution by automating intelligence sharing. So in 2010 I decided to start a new venture to use data to tackle this area of financial crime. I wrote the business plan, financial model and prototype software aimed at a range of classified advertising sectors, which then grew into the broad service we offer today to regulated businesses.

NorthRow provides remote client onboarding services to regulated businesses, including financial services, payments, lenders, retail, hospitality and property – can you explain how it works?

NorthRow provides technology to digitally transform complex client onboarding, monitoring and KYC remediation processes to improve the customers’ experience, reduce compliance spend and help to ensure regulatory obligations are met.

By automating much of the onboarding process NorthRow simplifies the complexity of compliance, enabling clients to perform Know Your Business (KYB) and Know Your Customer (KYC) verification efficiently.

A key differentiator for NorthRow is that we deliver our highly configurable solution via a single API that can be plugged into clients’ onboarding and monitoring systems, to support different stages and processes. One size doesn’t always fit all for this type of process so our single API is easily customised to help drive operational efficiencies and compliance obligations.

We offer a fully remote verification service called RemoteVerify that captures and verifies the biometrics and ID document of the end user for our clients. To ensure we offer our clients the best remote onboarding experience, we integrated iProov’s market-leading Flashmark facial verification technology. By adding Genuine Presence Assurance to RemoteVerify we have further enhanced the user experience and enable regulated businesses to know that each individual checked is not only a real person but also the right person and that they are genuinely present.

Why do regulated companies need to be diligent during onboarding?

I think there are three main reasons:

  • Firstly, they should be looking to reduce their own risk of losses from fraud. Fraud not only costs money in real terms but also in reputational damage that may have a far reaching impact which can be more severe than the fraud losses themselves.
  • Secondly, they should be diligent in reducing the risk of regulatory failures. The regulations exist to protect consumers and help tackle the corrosive effect of financial crime, especially from organized criminal gangs. 
  • Finally, they should care. They should want to try and reduce the overall harm and the impacts of fraud from an economic and societal sense.

Companies that view client due diligence as a simple tick-box exercise are not just at risk of failing to fulfil their compliance obligations to the regulators, but also the broader moral, economic and societal efforts.

Society should care about the reasons why we have regulations in place, and business leaders should build a culture within their teams that promotes a better understanding of the importance of compliance. 

Have you ever seen onboarding go wrong? What were the implications and what can other regulated companies learn from it?

Yes, I have seen a number of examples where businesses have tried to tick a box or  undertake the bare minimum requirements. Thankfully there have been improvements in awareness and enforcement so there are fewer cases. But just collecting identity documents is nothing like sufficient. 

In the past I have seen businesses that have adopted the ‘I’ve been sent a document, taken a copy and stuck it in a digital filing cabinet, so I’m fine’ mentality. Unfortunately these businesses have been exposed to fraud which has not only cost them financially in fines but also loss of revenue through reputational damage.

Once a criminal gang finds an organization that has left itself exposed, they sweep in and systematically attack over a longer period of time. And before they know it, the business has been exposed to fraud or have facilitated massive money laundering without even realising it. 

Fortunately the clients we work with have taken a proactive approach to protect their business and want to benefit from the digital transformation of their compliance processes.

At NorthRow we prevent that exposure to fraud by collecting and verifying all required documents, electronically and automatically in order to make the process more efficient. It’s not just about onboarding, but the entire process of periodic reviews, remediation and monitoring.

Regulated businesses should learn from past mistakes and place the entire lifecycle at the heart of its compliance strategy

An important part of the process is to have the capacity to complete an expert review only when you need to. Not all clients require review – just those that are high risk. By using a digital solution that can be tailored to the requirements of the organisation costs can be kept to a minimum and resources allocated to the right areas with an amber management approach which flags high risk clients. 

What were the key drivers when you were looking for a partner?

It’s not enough to collect documents. It’s also about asking: where has this document come from? Is it definitely associated with this individual? And therefore you need to see the individual. And to ‘see’ an individual who isn’t physically in front of you, you need to carry out a ‘Genuine Presence Assurance’ check. That’s why we partnered with iProov.

At NorthRow, we have to be experts in what we do. That means we want every one of our suppliers and partners to be class-leading in their own speciality. So we need high-performing, robust technology from our partners. But just as importantly, we want partners that care. We want partners who share values and enjoy working with us, where we can genuinely grow together. That was an early appeal of iProov, even before the technology. We like the company. We like the approach. We like the people and the tech’s great as well.

How does iProov enhance your service?

We can collect documents and images of people through our app. But we also need the Genuine Presence Assurance checks to enable us to deliver the additional level of verification to protect against sophisticated cyber criminals. iProov has really clever, patented tech that identifies impersonation attacks. The technology arms race is developing as cyber criminals continue to invest in clever tech. so we need to ensure we stay one step ahead. 

In the future I think there’s going to be an increasing need for protection against those more sophisticated replay or injection attacks, which iProov helps protect against. Really risk averse clients, of which there are many, really care about that. 

What do you think the future holds for remote onboarding and the iProov-NorthRow partnership?

Remote onboarding is just going to accelerate in my view. Demand has been steadily increasing and now it’s seeing exponential growth as a result of Covid-19. Initially, larger companies were reluctant to adopt, but now they have little choice as consumer demand is driving the market to deploy even more services online. 

I can hear the organized criminal gangs cheering as that makes their life so much easier – online activity facilitates increased crime. In our partnership with iProov, we can jointly meet the growing and accelerating demand for remote onboarding with a safe and robust solution that reduces the options for cyber criminals. And together, we can support our clients adapt to the current challenges and allow them to digitally grow their business and operate safely and remotely. That’s really important. 

Thank you to Adrian for speaking with us. If you want to learn more about remote onboarding with NorthRow and iProov, get in touch with us at enquiries@iproov.com.

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Andrew Bud FREng

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iProov CEO Andrew Bud is made Fellow of the Royal Academy of Engineering

22 September 2020

iProov is proud to announce today that Andrew Bud, our founder and CEO, has been made a Fellow of the Royal Academy of Engineering.

His election comes in recognition of his outstanding and continuing contribution to the engineering profession.

“I always wanted to be an engineer. It was such a miraculous idea that by the power of thought and action you could conjure into being objects that worked and did clever and useful things.

“And then it was my parents’ dream – they could conceive of no higher calling. That was also my rare good fortune: to be supported by values that valued engineering.

“It wasn’t that common. As a student, I would go to parties and admit I was an engineer. If I was lucky, girls would ask me what kind of lawyer that was. Fortunately, the mood changed suddenly in the early 1980s, and for a period it became glamorous – a little like “building a start-up” nowadays.”

After completing his Masters degree in Engineering at the University of Cambridge, Andrew started his career at the UK Atomic Energy Authority Culham Laboratory for Fusion Research. He then moved to PA Technology where, in his words, he “designed a new catflap, spent time on an oil rig and wrote the software for the fastest chocolate Flake machine in the world.”

It was there that he got involved in the project to build the world’s first digital mobile phone and fell in love with telecommunications. During his time at Olivetti in Italy he led the project to design the Omnitel network, followed by a series of other pioneering and ground-breaking mobile technology projects.

Having spotted the opportunity of SMS, he set up mBlox, which became the world’s largest provider of SMS transmission for enterprise applications. He also helped found a new trade association, which became the Mobile Ecosystem Forum and continues to support vendors from every part of the mobile value chain

At mBlox he recognized the need for remote identity verification and the threat of replay attacks. This led to iProov.

Andrew sums it up:

“I believe that the career of an engineer is defined by the nature of the challenges they choose to face, rather than by a specific sector of technology.

“In the 1980s I took part in the microprocessor revolution, during which products of every kind were completely reengineered to respond to the disruption of microelectronics.

“In the 1990s I was privileged to be a pioneer in the dawn and flowering of the mobile communications revolution, which then evolved in the 2000s into the mobile applications revolution.

“The new challenge – the search for trust in digital identity – is perhaps even bigger and more vital than its predecessor.”

“I hope that many bright young engineers forge their careers in the excitement and challenge of the journey, and just as many can treasure their time in start-ups, scale-ups and, ultimately, the great corporations they build, and say ‘We conjured into being things that worked and did clever and useful things, for the benefit of our fellows and of all mankind’. As my parents believed, there is no higher calling.”

Andrew was also made a CBE in the 2020 New Year Honours.

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iproov security operations centre webcast

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The iProov Security Operations Centre: Global Active Threat Management for Biometric Assurance

9 September 2020

iProov recently announced it’s launch of the world’s first global threat intelligence system for biometric assurance. The iProov Security Operations Centre (iSOC) is fundamental in detecting, blocking and learning from sophisticated cyber attacks that are attempted every single day against our customers worldwide.

So to explain exactly why the iSOC is needed, and what it does for our customers using iProov Genuine Presence Assurance technology, we spoke to iProov CTO, Dominic Forrest.

In the ten minute webcast, Dominic takes us through three key points:

  1. Biometric authentication – why it’s becoming the go-to technology for online security
  2. What iSOC is, and why it is critical to enterprises and governments
  3. What iSOC does to protect our customers all over the world

If you have more questions about iSOC or iProov’s Genuine Presence Assurance technology, get in touch with us today at enquiries@iproov.com.

To learn more about the growing threat of Deepfakes, download our latest free report here.

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iproov canny interface

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Why iProov Genuine Presence Assurance doesn’t use selfies

26 August 2020

Do you suffer from selfie anxiety? If so, you’re not alone. According to our survey, 34% of people in the UK and US class themselves as having selfie anxiety – either they don’t know how to take a selfie, or they don’t like how they look in them, or they just don’t like taking pictures of themselves.

In fact, 63% of the people we surveyed said that they don’t like how they look on mobile video calls, which is selfie anxiety in all but name.

Why does selfie anxiety matter to iProov? Let’s be clear: iProov’s face verification doesn’t use selfies. An individual sending a selfie (sometimes known as single frame liveness) to prove their identity online is not secure. iProov uses a brief facial scan that allows you to confirm that you are the right person, a real person, authenticating right now when you use your mobile device or computer to access a service online. The short ‘ceremony’ as we call it lasts a few seconds and gives you the reassurance that your identity and privacy are being protected online.

So we don’t use selfies. But selfie anxiety still matters to us, because we care very much about user experience. If 63% of people don’t like seeing themselves on a mobile device, then that would make the face biometric authentication experience unpleasant for a very large number of people.

This is the interface that a user sees when they authenticate themselves with iProov Genuine Presence Assurance:

iproov interface

Why did we use a line drawing instead of a mirror view of the user’s face? How did this user interface come about?

Stage 1: It Started With Real Images

It happens to us all: your phone switches to camera mode and you realise with horror that your hair is sticking up. You immediately start fixing it. The problem here is that users don’t need to look their best for biometric authentication, as sticky-up hair or smudged mascara don’t affect the accuracy of the result at all. But our natural instinct when faced with a full image of ourselves is to delay the authentication process while we make adjustments, when those things are actually completely inconsequential.

The other risk is that the user might not complete the process at all if they don’t like what they’re seeing. If their hair won’t play ball or they’re in the 63% who flinch on seeing themselves, they could just shut the whole thing down. This is why we decided that the process of iProoving should not involve a mirror image of the user’s face – it’s potentially not an enjoyable experience for a lot of people and could impact the chances of success.

Stage 2: What Happens If You Show Nothing

We briefly experimented with showing nothing at all on the screen during the authentication. It didn’t work: users weren’t able to line their faces up and it became very hard to complete the process. We also felt that it wasn’t fair to scan people’s faces without sharing that fact with them, visually through the use of their face image, as well as in written form.

Stage 3: Meet Mr Canny

It was then that we found our answer, which is now part of several global patents and unique to iProov. The Canny edge detector, developed by a man called John Canny, uses an algorithm to detect a wide range of edges in images. Using this edge detector, we provide a simple outline of the user’s face that gives enough guidance on how to line the face up and complete the process without scaring the user off. We then did a lot of work to develop exactly the right shading to add depth, and fading to soften the edges, resulting in an authentically pleasing filter akin to those found on social media platforms:

iproov interface

The moral of this story is that user experience and security go hand in hand at iProov. Each and every moment of the authentication journey presents an opportunity for the experience to jar with the user and those snags have to be removed to ensure maximum completion rates. iProov has 19 patents and a number of them relate to this line drawing and ensuring a happy user experience.

Stats from the iProov selfie anxiety survey:

What does selfie anxiety mean?

What does selfie anxiety mean?

Do you ever have selfie anxiety?

Do you ever have selfie anxiety?

Do you like how you look like on mobile video calls?

selfie anxiety on mobile video calls

If someone says to you “let’s take a selfie”, what is the first thing you do?

reaction to taking a selfie

Try iProov Genuine Presence Assurance for yourself and see how the line drawing works. You can download our demo app on iOS and Android, or, to find out more, contact us at enquiries@iproov.com today.

iProov Genuine Presence Assurance is used by governments, financial institutions and other enterprises all over the globe.

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iProov and Evernym webcast

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iProov and Evernym: Enabling Trust Online with Self-Sovereign Identity

19 August 2020

iProov recently announced its partnership with Self-Sovereign Identity (SSI) specialists, Evernym. We caught up with Andy Tobin, Managing Director of Evernym’s European business, to find out more.

In the 10 minute webcast, Andy speaks to Tom Whitney, our Global Head of Solutions Consultancy, about Evernym’s story and the problem they are trying to solve. Andy also explains the concept of SSI, why it’s important for enterprises and users wanting to manage their digital identity, and what the future holds for Evernym.

There are also plenty of insights into the partnership between Evernym and iProov and what iProov’s Genuine Presence Assurance technology will bring to Evernym customers.

Watch the webcast below and contact enquiries@iproov.com if you would like to know more about iProov, Evernym, or digital identity.

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Gartner Guide User Authentication

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iProov named in the 2020 Gartner Market Guide for User Authentication

13 August 2020

iProov has been identified as a Representative Vendor in Gartner’s 2020 Market Guide for User Authentication. iProov was named in the Biometric Authentication category.

The 2020 Market Guide for User Authentication takes a close look at the current user authentication landscape as the market continues to grow.

Used for customer onboarding as well as ongoing authentication, iProov technology is being used by the US Department of Homeland Security, UK Home Office, NHS, Rabobank, ING, Knab Bank, and more. iProov’s biometric authentication technology won Best Authentication Software at the 2020 SC Awards.

The biometric authentication technology provided by iProov is unique in that it delivers Genuine Presence Assurance to individuals and enterprises online. This checks for three key attributes when authenticating a user:

  1. Are they the right person?
  2. Are they a real person?
  3. Are they authenticating right now?

iProov CEO and Founder, Andrew Bud, CBE said “Digital transformation has been high on the agenda for many regulated sectors, and now is the time for online biometric authentication to help drive innovation forwards. A successful user authentication system must offer security, usability, and privacy to its users. iProov provides all three in a very unique way, and this is why governments and enterprises around the world are using our patented technology to onboard and authenticate customers.”

Access the full report here (Gartner subscription required).

Gartner, “Market Guide for User Authentication” Ant Allan, Tricia Phillips, David Mahdi, Kaoru Yano, 26 June 2020.

Gartner disclaimer: Gartner does not endorse any vendor, product or service depicted in our research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

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Face Recognition vs Face Verification

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Face recognition vs face verification: what’s the difference?

3 August 2020

Scenario 1: You’re walking across Times Square, or sitting in your seat at Wembley Stadium. Face recognition technology, combined with CCTV, is scanning the crowds and matching faces against a database of known or suspected criminals. You do not know if or when face recognition is being carried out on you. You are not able to opt out of it. There is no direct personal benefit to you from it. You do not know how the images are being used, shared or stored.

Scenario 2: You’re sitting at home. You want to apply for a visa for an upcoming vacation. You open your laptop, or pick up your mobile phone, and log on to the government visa service. You use the device camera to scan your driver’s license or passport to prove your identity. You then scan your face. Face verification technology confirms that your physical face matches the one in the ID document, and that you are real and completing this application right now. You know that the facial verification is being done. You choose to do it. There is a direct personal benefit to you (you get to go on your vacation). And with iProov’s face verification technology, you know that the images are kept behind a privacy firewall and are subject to strict GDPR rules.

Face recognition and face verification are often lumped together and used interchangeably to mean the same thing. But the truth is that the two technologies and the purpose of their use are completely different and need to be considered separately. Questions about the ethics of facial recognition for surveillance, and the call for clarity and limitations on its use, are matters for serious public discussion. However, face verification is not the same thing.

Why do we need face verification?

Put simply, face verification is needed for your online security.

Traditionally, we have verified our identity by walking into a bank or a government office and handing someone our documentation, which they then confirm matches the physical face that they see in front of them. But how do we transfer that process onto the internet? How do I prove to you that I am who I say I am if I’m sitting on my sofa using a mobile device?

Your unique face is the most secure way of verifying your identity online, and it’s the only way that businesses and government services can be assured that you and only you have access to your data:

  • Knowledge-based security (like passwords) can be shared or stolen and are hard to remember when you need countless secure ones for different accounts.
  • Device-based security (like mobile phones or tokens) have to be carried around and can be stolen or lost.
  • Other biometric identifiers, such as irises or fingerprints, are not included in driver’s licenses or passports, unlike photographs
  • Only face verification enables you to prove online that you are the bona fide holder of your ID document. iProov face verification also allows you to assert that you are genuinely present during your facial scan and that your image has not been stolen.

Online crime is growing, both in the number of attacks and in the sophistication of the tactics used by international criminal gangs. We all need a way to secure ourselves against identity and financial theft. Face verification enables us to do this, and iProov face verification allows us to do so with maximum security and simplicity.

Examples of when online face verification is beneficial:

There are many occasions when we as individuals need to confirm with enterprises, banks and government services that we exist and that the physical being asserting the identity is the rightful owner of that identity. Here are a few examples of when online face verification makes processes easier, faster and more secure:

Onboarding:

  • Banking: opening a bank account
  • Other financial services: applying for a credit card or an insurance policy
  • Government services: applying for visas, driver’s licenses or passports
  • Healthcare: applying to access your health record
  • Education: applying to college or to sit an exam
  • Work permits: applying to be an Uber driver
  • Social networks: setting up an account

Authentication:

  • Banking: adding new payees or transferring large amounts of money
  • Other financial services: making an insurance claim
  • Government services: checking visa status, renewing ID documents
  • Healthcare: booking appointments
  • Education: sitting exams
  • Work permits: confirming I am doing the job
  • Social networks: commenting or other activities

iProov: facial verification not facial recognition

iProov provides facial verification. Our Genuine Presence Assurance technology enables users to complete a facial biometric verification and confirm that they are:

  • The right person
  • A real person
  • Verifying right now

A user simply looks at their mobile device or laptop screen. Their face is illuminated by a series of colours. This brief ceremony detects that the user is a real human being and not a photograph or mask. It also assures that they are genuinely present in real-time, and not a deepfake or replay attack. And finally, as a “one-time biometric” it cannot be reused and is therefore secure against being used in a replay or other criminal attacks.

With iProov facial verification the user has:

  • Knowledge that the verification is taking place
  • Willingly collaborated with the verification
  • A direct personal benefit from the verification
  • Assurance of privacy

As well as being the most secure way to verify your identity online, iProov is also the easiest to use. We firmly believe that security without usability is worthless. As passwords become more complicated, users simply find workarounds to remember them. Those workarounds, such as writing passwords down or using the same one for multiple accounts, are often not secure. iProov technology requires no effort from the user.

Face verification offers us security, safety, simplicity and privacy in a digital world. It is quite different to face recognition and the two should be treated differently.

For more information on iProov technology, please contact enquiries@iproov.com or visit www.iproov.com

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What’s it like to work at iProov?

30 July 2020

iProov is growing – from Product Management to Science and Engineering, we’re currently looking for talented people to come and join the team.

So what does it take to be an iProover? We talked to Nikhil Kamdar, one of our Solution Consultants, who shared his insights on the company and what he’d say to anyone looking to come onboard.

What attracted you to iProov and to your role as Solution Consultant?

My background is technical presales. I’ve always been interested in technology – I did my degree in computer science and artificial intelligence, so iProov was a very good fit for my next career step.

iProov’s technology was also a big draw for me, plus the fact that everybody here is super clever and has been hired for a reason. Everyone at iProov understands what the company objectives are and has a clear vision of how we’re going to get there.

How would you describe the culture at iProov?

It’s got a very homely feel. Everyone is here for a reason. You feel a sense of safety that iProovers know what they’re talking about. I saw that straight away, as soon as I joined – everybody is a true expert in their domain. If you need help with something, you can happily go to another team and they’re more than willing to answer your questions.

What are your top three favorite things about iProov?

Firstly it has to be teamwork. Everybody works very collaboratively within iProov. Whether it’s engineering, product, marketing or sales generation, we all work very closely together. And in terms of information sharing, iProov is one of the only companies I’ve ever worked at where information is shared so openly between teams. There’s a lot of transparency. It makes it very easy to keep up to date with the direction of the business.

Next I would say training and personal development. iProov is very open to allowing you to learn new subjects or technologies that will help you with your role. So if I wanted to learn more about web technologies, because I need to specifically speak to customers about integrations with our iProov Web product for example, my manager is very open to allowing me to spend time doing that.

Finally, one of my favorite things is the monthly mindshare run by our Head of Science, Andrew Newell. These are brilliant because we hear from different teams across the business, including the Research team, Marketing etc. They’re really insightful because you’re gaining iProov-related insights from experts in their field. You always learn something new but it also gives you insight into a day in the life of that team, which is really interesting.

What are the three main characteristics needed to work at iProov?

You need to be trustworthy, because if you commit to something, whether it’s to one of your colleagues or to a customer, you need to be able to follow through on it.

You also need to be efficient in what you do. Whether it’s preparing a presentation or sorting some admin, there are going to be some busy days and then there will be some really busy days! You need to move fast. It’s a fast paced environment but it’s really rewarding.

And then finally, I would say you need to have an open mind. iProov isn’t huge at the moment but it’s growing fast and it has a strong vision of where it wants to be. So if you’d like to be part of that journey and the vision, this is the perfect time to join iProov.

We will be talking to more iProovers across the next few weeks. If you are interested in joining the team, take a look at our open roles here: www.iproov.com/about-us/careers

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Top Considerations for Online Customer Onboarding in Financial Services

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Online Onboarding in Financial Services: Top Considerations for Getting It Right

20 July 2020

Online banking continues to grow. According to the latest EY Global FinTech Adoption Index, 71% of UK consumers and 46% of US consumers had used at least two digital financial services in 2019, up from 14% and 17% respectively in 2015. Savings, payments, borrowing and budgeting are all moving online.

The challenge for financial institutions is how to make the online onboarding process as simple as possible for customers, while complying with Know Your Customer guidelines and protecting against fraud. Our latest report Top Considerations for Online Onboarding in Financial Services sets out ideas for how this can be achieved.

One example of financial digital onboarding success is Rabobank. They had realized that asking 18 year old digital natives to come into a branch with their documentation to open a bank account was not very appealing.

So the innovation team at Rabobank looked at how they could improve the onboarding journey for their customers. The solution included:

  • The creation of a mobile app for onboarding
  • Remote identity documentation checking using InnoValor. Passports, driver’s licenses, or other ID credentials can be scanned with a mobile device using either near field communication (NFC) to read the chip in the document, or optical character recognition (OCR) which reads information from a photo of the document.
  • Biometric identity authentication using iProov’s Genuine Presence Assurance technology to ensure that the person is the right person, a real person, and authenticating right now.

Read the iProov report: Top Considerations for Online Onboarding in Financial Services

If you want to know more about how iProov can streamline your customer onboarding contact us at enquiries@iproov.com

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iProov half year report

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The iProov Half Year Report: the story so far in 2020

20 July 2020

It’s been a very busy six months here at iProov.

The growth of Genuine Presence Assurance – the ability to confirm that an individual is the right person, a real person, and engaging right now when you’re dealing with them online rather than in the physical world – was already underway when the pandemic struck.

The COVID-19 crisis accelerated the need for remote authentication. Firstly, more people needed to complete more processes online, which meant that verifying identity digitally became essential. Secondly, online fraud increased considerably, with criminals taking advantage of the crisis. The ability to combat machine-driven online crime, which iProov provides, is needed more than ever before.

 

So what’s been achieved at iProov over the past few months?

  • 2020 started with our continued expansion in the US and the opening of our Maryland office.
  • In February we launched iProov for Kiosk, enabling our customers to bring biometric authentication to physical locations. It was a big hit at Finovate Europe, where we won Best of Show for the third year running.
  • In March, we announced our involvement in Estonia’s digital identity program, the first solution using cloud, machine learning and biometric authentication to achieve a “high” level of eIDAS conformance.
  • April brought another significant product launch, this time with iProov Web. This enables iProov customers to authenticate their users on web browsers as well as mobile apps, bringing greater inclusivity and accessibility and opening up services to a wider audience.
  • As the pandemic hit, iProov’s work with the NHS login service proved the value of online onboarding and authentication; over 60,000 UK citizens verified themselves in the first week of April. This took the total to 1 million users registered.
  • To help support the crisis, iProov also offered its services to startups that were building solutions. These included bkynd and bloomd, who launched social networks connecting individuals looking for assistance or companionship.
  • June began with us winning Best Authentication Technology 2020 at the SC Awards. The judges recognised Genuine Presence Assurance as “Game changing for customers and companies looking for speed with security”.
  • Our work with Eurostar also hit the headlines. An opt-in fast-track biometric corridor is being developed at St Pancras International to allow Eurostar passengers to board their trains without needing to show tickets and passports at the ticket gates.
  • The headlines also said it all in June: “Has the UK Just Quietly Seen One of the Most Successful Government IT Projects Ever?”. Our work with the UK Home Office on the application process for the EU Settlement Scheme reached a milestone with 3.1 million applications submitted. Peaks of 25,000-30,000 a day were handled successfully, with a high percentage of applicants completing the entire process in under 10 minutes.
  • We continued to grow our partner network, teaming up with NorthRow to provide simplified onboarding solutions to property companies, financial institutions, law firms, accountants and other professional services organizations.
  • We also announced our partnership with Mvine, working on a digital passport to assist with the management of COVID-19.

Stay tuned for more innovation, exciting new developments, and customer and partner news from iProov over the next six months. We’re just getting started.

Follow us on LinkedIn or Twitter and keep up to date.

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UK Home Office EU Settlement Scheme

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How iProov Helped Deliver the World’s Most Successful Remote Identity Verification Immigration Program

8 June 2020

The headline says it all: Has the UK Just Quietly Seen One of the Most Successful Government IT Projects Ever?

Following the UK’s decision to leave the European Union, the Home Office set out to create a simple application process allowing 3.5 million EEA nationals to apply to the EU Settlement Scheme.

Applicants need to complete just three key steps – prove their identity, show that they live in the UK, and declare any criminal convictions. To make this as simple as possible, the Home Office sought out new innovative capabilities to create an optional end-to-end digital application channel.

iProov worked with WorldReach Software and InnoValor to deliver a scalable, secure, and usable solution. The details of the project can be seen in this excellent case study from WorldReach.

The highlights of the project:

  • More than 3.1 million applications have been successfully concluded.
  • A high percentage completed their application in under 10 minutes, with a high level of identity assurance.
  • Over 2,300 different makes and models of Android and iOS devices have been used to complete the identity verification process.
  • Peaks of 25,000-30,000 applications per day have been supported.
  • In a 2019 EUSS  survey, 79% of applicants indicated that proving their identity through the app was either “very easy” or “fairly easy”. A further 7% found it neither difficult nor easy.
  • The app receives an average 4.1 star satisfaction rating on Google Play Store.

How does the EU Settlement Scheme app work?

The app enables EEA nationals living in the UK to complete an application in under 10 minutes, using the following innovations to ensure high levels of identity assurance:

  • Remote identity documentation checking using the InnoValor solution. Passports, driver’s licenses, or other ID credentials can be scanned using a phone using either near field communication (NFC) to read the chip in the document, or optical character recognition (OCR) which reads information from a photo of the document.
  • Biometric identity authentication using iProov’s Genuine Presence Assurance technology to ensure that the person is the right person, a real person, and authenticating right now.

“There has never been a more crucial time for highly trusted, proven-in-use remote identity verification services given the Covid-19 situation, especially for government digital on-boarding and essential services delivery,” said Gordon Wilson, WorldReach CEO. “The EUSS is a very successful, scalable proof-point of what’s possible and achievable with the right end-to-end processes, technology and collaborative team.”

Find out more about iProov’s biometric authentication services in government and public sector here.

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Blog

iProov Wins Best Authentication Technology at SC Awards

3 June 2020

iProov was named Best Authentication Technology at the SC Europe Awards yesterday.

The judges said: “Great to see technology which is able to prove the actual identity of a person behind the device. Game changing for customers and companies looking for speed with security,” adding, “Really well presented and very relevant for today’s customer. Innovative good product.”

The judges concluded; “iProov presented some solid business benefits for its solution.”

The SC Awards are recognized as the gold standard of achievement for cybersecurity providers, products and professionals.

Biometric Authentication for the UK Home Office

The award recognized iProov’s Genuine Presence Assurance work for the UK Home Office and the EU Settlement Status application process (described here recently in Has the UK Just Quietly Seen One of the Most Successful Government IT Projects Ever?)

Recent data on the project shows that:

  • More than 3.1 million applications have been successfully concluded
  • A high percentage of applicants completed their application in under 10 minutes, with a high level of identity assurance
  • Over 2,300 different makes and models of Android and iOS devices have been used to complete the identity verification process
  • Peaks of 25,000-30,000 applications per day have been successfully managed
  • 79% of applicants indicated that proving their identity through the app was either “very easy” or “fairly easy”

Read the full EU Settlement Status case study.

In addition to the Home Office, iProov technology is being used by a growing number of governments, financial institutions, identity service providers and other businesses looking for the most secure, usable remote authentication technology:

2020 has also seen a number of other milestone achievements at iProov:

We’d like to thank the organizers of the SC Awards for staging such a great online show – we might not have got the champagne in a big hotel ballroom but we can confirm that the excitement of winning is just as good online!

Read more about iProov biometric authentication services or keep in touch with iProov on Twitter or LinkedIn.

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Onboarding for Financial Services

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Rabobank: customer onboarding with iProov and InnoValor

2 June 2020

Last week’s webinar with InnoValor and Rabobank was a fascinating look at an innovative customer onboarding project that started in 2018.

Rabobank is one of the 50 largest banks in the world, with over 40,000 employees. As part of their ongoing commitment to customer service and innovation, in 2018 the onboarding team at Rabobank decided to find a solution to a challenge: how to successfully onboard 18-year-old customers that needed an adult account.

According to Evelien Mooij at Rabobank, the team had realised that the usual process for setting up a bank account – a customer bringing documentation into a branch – was not very appealing to digital natives that prefer to look at their phones.

So Rabobank began a project with their innovation department, looking for a digital onboarding solution that would bring the process onto a customer’s mobile phone. This led them to InnoValor, who worked with Rabobank and iProov to create an innovative technology solution that included:

  • The creation of an app for onboarding.
  • Remote identity documentation checking using the InnoValor solution. Passports, driver’s licenses, or other ID credentials can be scanned using a phone using either near field communication (NFC) to read the chip in the document, or optical character recognition (OCR) which reads information from a photo of the document.
  • Biometric identity authentication using iProov’s Genuine Presence Assurance technology to ensure that the person is the right person, a real person, and authenticating right now.

For Rabobank, this was a very exciting initiative. The compliance component was huge, but the targeted scope of the project allowed them to initially focus on a small group of customers. By working specifically with a target segment of 18-year-olds, the team could gain a lot of experience on how to create an online onboarding journey before scaling out to others.

It worked. 300 customers are now using the mobile onboarding process every day. Channel share has gone from 35% last year to 60% in 2020.

The team met some challenges along the way. Initially, the solution included NFC only on Android devices, with OCR for everyone else. 50% of customers were dropping out of the journey as the photo imaging quality wasn’t always good enough – too much glare on the photos or other issues.

Apple’s decision to support NFC from September 2019 changed everything. 80% of customers now use NFC, although Rabobank still uses OCR as a back-up for users – if your chip is broken, you need OCR for an online journey and that’s still provided.

Another challenge was getting the compliance team on board. Like most banks, Rabobank is a very big organization with a lot of legacy systems and a complex architecture. Eight Rabobank teams and three suppliers were involved in the project, which meant complexity. Evelien and her team involved their colleagues early on, so that everyone could see the decisions and choices that were being made.

And in fact, NFC has helped with compliance; the quality of identity verification is better on the app than it is face to face. It might be possible to trick an employee, but it’s much more difficult with technology.

Evelien and her team had also been concerned about the use of a standalone app for onboarding. Would customers use it? Would it be an issue? A lot of research was done, with initial customer feedback suggesting that it wasn’t going to be a problem. The results since launch have supported this – to the surprise of the team, customers are really not worried about the separate app. In fact, they were glad to use it to onboard and then delete it – app space on an 18-year-old’s phone is at a premium and they like the space!

The next steps for Rabobank include; using the app for onboarding new business users that don’t already have an account and processing change of director notifications; adding remote identification to the main Rabobank app; and bringing in step-up authentication for complex or high value transactions.

Our thanks to Evelien, Wil, Maarten and the rest of the team at InnoValor for sharing such useful insights during a great webinar.

How does iProov make your onboarding effortless? Find out more here.

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End of the Password Report

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The End of the Password: 50% of young consumers share their log-in details

2 June 2020

We’ve released new research today, The End of the Password, which looks at how consumers are struggling to follow online security guidelines.

Everyone knows that passwords are not secure. And yet efforts to make them more secure are only making them more complicated. “People misuse things that aren’t usable,” says iProov CEO, Andrew Bud. “It’s a gift to hackers and it disrupts commerce. We need to make it easier for people to access services and keep their data secure.”

The key findings of the research include:

Consumers are using other people’s passwords
78% of 18-24-year-olds in the UK and 75% in the US have used someone else’s password to gain access to a service or device. 15% and 10%, respectively, have done so without permission. Overall, 49% of Brits and 50% of Americans have used others’ passwords.

People are sharing their own passwords
It seems that we’re less willing to share our own passwords than we are to borrow other people’s, but the numbers remain high; 50% of UK 18-24s and 49% of their US equivalents have given their passwords to other people, compared with 30% and 34% of consumers overall. We’re more willing to share the PIN to our phones; 41% of Brits and 44% of Americans admit to sharing phone passwords with partners or family members.

People are reusing the same passwords (and writing them down)
59% of respondents in both countries admit to reusing the same passwords across sites, while 10% of Brits and 13% of Americans use the same password for everything. Only 9% of people in both countries use a strong suggested password if it is offered. 33% in the UK remember passwords by writing them down – this rises to 46% in the US.

People are abandoning purchases because of forgotten passwords
The average Brit abandons an online purchase 15 times a year because of password frustration, while Americans are doing likewise 16 times a year. 34% of 18-24s in the UK are having to request forgotten passwords at least once a week, along with 25% of young Americans.

Read The End of the Password UK edition and The End of the Password US edition to see all of the stats and survey results.

Andrew Bud added: “Our research shows that passwords have simply outlived their utility. Enforcing ever more complex passwords tortures people into workarounds. People misuse things that aren’t usable. It’s a gift to hackers and it disrupts commerce. We need to make it easier for people to access services and keep their data secure.

“People are recycling and sharing passwords but this leaves them exposed and vulnerable.The time has come to adopt alternatives. Good biometric authentication combines effortless usability with the security to safeguard society’s most sensitive personal data.”

“iProov technology is a safe and secure way to identify yourself without using a password. Copies of your face, like photos, videos or deepfakes, won’t work. This is what iProov Genuine Presence Assurance provides that other biometric technology does not – not only does it check that you’re the right person, but it also checks that you’re a real human being and authenticating yourself right now.”

How does Genuine Presence Assurance replace passwords?
Everyone knows that passwords are no longer fit for purpose in an online world. They are not secure. Yet, efforts to make them more secure have only made them more complicated. Genuine Presence Assurance from iProov is completely unique. It uses face biometrics to enable businesses and governments to verify online that a customer or citizen is the right person, a real person, and authenticating right now, protecting against the most sophisticated criminal attacks. Read more about passwordless authentication with iProov  face verification.

To keep up to date on future report releases from iProov, follow us on Twitter and LinkedIn, or visit www.iproov.com for more information.

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increase use online services due to pandemic

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Coronavirus: Consumers Look For Identity Verification As Hacking Increases

27 May 2020

In a recent webinar with Mobile Ecosystem Forum, Andrew Bud, CEO of iProov, talked about the impact of COVID-19 and the increased adoption of technology as the pandemic continues. This crisis “is going to accelerate a lot of trends. In areas like identity, health data, financial data, authentication, security, video conferencing. We will see many many years of progress in a short time”.

The use of online services has undoubtedly increased during the pandemic. This is clear from a consumer survey that iProov conducted recently, which also shows increased demand for security and identity verification.

1. Are consumers using technology more during coronavirus?

We asked 1000 consumers in the UK and 1000 in the US about their use of technology during coronavirus. 69% overall (69% in the US and 70% in the UK) told us that they expected to use more online banking/health/shopping services as the pandemic continued. The importance of digital service provision is now beyond doubt – online retail sales in the US grew by 49% in April, and 16% in the UK, making online 30% of UK retail shopping. Banks, governments, healthcare providers and all other sectors will move more of their services online in response.

 

2. Is the need to authenticate identity more important than ever before?

Overall, 72% of consumers (72% in the US and 71% in the UK) said that authenticating their identity online was more important than ever before. Governments and businesses need to garner citizen and customer trust – iProov enables this with secure, usable biometric face technology that reassures the user.

more need to authenticate online services

3. Is the coronavirus crisis being exploited by hackers? 

82% of consumers overall (80% in the US and 83% in the UK) felt that hackers were taking advantage of the coronavirus crisis. However, this sits uneasily alongside other data from iProov’s The End of the Password report, which suggests that consumers are still sharing and reusing passwords and putting themselves at risk.

exploited by hackers during coronavirus

4. Which types of fraud and scams are increasing in volume during the coronavirus crisis? 

63% of consumers overall expected to receive scam offers, followed by fake news and health misinformation. The US and UK were generally aligned in which attacks they expected to see, although US consumers expected to see more of each of them.

more types of hacks during coronavirus pandemic

Online identity verification is more important than ever, as consumers turn to digital channels to complete everyday tasks. With Genuine Presence Assurance from iProov, businesses and government departments can deliver effortless authentication for online services while protecting against the most sophisticated criminal attacks. Find out more about iProov at www.iproov.com

How is iProov supporting technology innovation during coronavirus?

iProov is proud to be offering our technology free of charge to start-ups that are creating solutions to support the pandemic crisis. Read more here on  How Technology Is Enabling Kindness During Coronavirus.

Stay tuned on Twitter and LinkedIn to keep up to date on how iProov biometric authentication is supporting business and government during the coronavirus crisis.

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online purchases abandonded due to password fustration

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16 Online Purchases Abandoned Every Year by the Average Consumer Due to Password Frustration

7 May 2020

It’s World Password Day and we decided to mark the occasion by sharing some password stats from a recent consumer survey that we carried out in the US and UK. The full report will be released in mid-May but a few findings stood out:

The average US consumer abandons 16 online purchases a year due to password frustration

This is a staggering number. It means that almost every three weeks, every American citizen is abandoning a purchase online because they forget their password and the process for retrieving it takes too long. And it’s a similar story in the UK, with 15 online purchases a year being left at the checkout by the average consumer.

US Consumers

This results in two key problems. Firstly, it means enormous frustration for the customer. Imagine the steps involved: a customer spends valuable time deciding what to buy. They make the decision to purchase and are faced with a request to Register or Login. Have I bought something on this website before? I’m sure I have. Several attempts at remembering their login details later, the customer becomes extremely frustrated and requests a password reminder. This either doesn’t arrive quickly enough or goes into spam. Purchase abandoned.

This leads to the second point: businesses are losing millions in revenue because of password frustration. Each missed sale represents lost dollars but there’s also the loss of the customer’s longer term business, along with the wasted marketing investment in getting a customer to checkout, only for the login to cause confusion and frustration.

online purchases abandonded due to password fustration
UK Consumers

Passwords are frustrating and they lead to lost business. But what is also clear from the survey results is that consumers are struggling to follow the recommendations on password management. The guidelines – for example, creating a unique password for every account – are too onerous for the average individual:

Only a quarter of people regularly change their passwords
The majority of people are not following guidelines to change their passwords frequently:

  • 44% of Americans and 40% of Brits only change passwords when they forget them or are prompted to change them
  • 5% of people in both regions only change passwords when they get hacked
  • 8% of Americans and 9% of UK consumers never change their passwords at all
  • However, 3% of Americans and 5% of UK consumers change their passwords every month

13% use the same password for everything
37% of Americans and 39% of Brits are managing to follow the guidelines by having a different password for every site. However, most people rotate a few passwords (46% in the US and 49% in the UK), while 13% of Americans and 10% of Brits use the same password for everything.

Most people avoid the ‘suggested password’ when creating an account
89% of Americans and 90% of Brits choose to create their own passwords when registering for a new account, instead of using the auto-generated secure suggestion (9% in both regions). Only a few choose to sign in with Google or Facebook credentials (3% in US and 1% in UK).

Nearly half of consumers have shared the PIN for their phones with their partners
The evidence suggests that we’re willing to share our passwords; 44% of Americans and 41% of Brits have given their partner the PIN to access their phones.

Men are less worried about data privacy than women
76% of Americans and 70% of UK citizens believe that individuals should be worried about data privacy, but men are less likely to be concerned than women (US: 69% men vs 82% women, UK: 63% vs 78%).

“Everyone knows that passwords are not secure,” says Andrew Bud, iProov Founder and CEO. “But the solution that is being applied to weak password security is to make passwords more complicated.

“Perhaps that’s why half of the population of both the US and the UK have abandoned online purchases in the past year, and businesses have lost millions of dollars – we just can’t remember our passwords.

“Imagine a world in which you never forget a password because there aren’t any. You simply authenticate yourself with biometrics – it remembers you even when you haven’t visited a site for months, providing exceptional usability and outstanding security to remove the frustration and make everyone’s lives better.”

Find out how iProov can reduce password reliance with Genuine Presence Assurance technology. The full report containing all of the password survey results will be released on 20 May – follow iProov on LinkedIn or Twitter to be alerted when it’s available.

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Blog

Banks Turn to Facial Biometrics for Strong Customer Authentication

1 May 2020

The Financial Conduct Authority (FCA) in the UK has extended the deadline for implementation of strong customer authentication rules by six months. The deadline is now 14 September 2021.

Other regulators across Europe are expected to make similar moves.

From 14 September 2021, financial institutions must ensure that customers are completing strong customer authentication (SCA) before they carry out online processes, as set out in the EU Revised Directive on Payment Services (PSD2).

These processes include:

  •  Accessing a bank account online
  • Making an online payment
  • Carrying out any activity online that might come with a fraud risk

Strong customer authentication requires a customer to complete a multi-factor process to verify their identity. Multi-factor authentication requires two or more of the following elements:

  • Knowledge: something only the user knows – eg, a password or PIN
  • Possession: something only the user possesses – eg, a mobile handset or token
  • Inherence: something the user is – eg, a biometric

The two factors also need to be independent of each other. For example, if a customer authenticates via voice on their mobile phone as the first factor, and then the bank sends a one time password (OTP) to that same device for the second factor, this could potentially present a risk. The two factors use the same channel or band, so if that channel – in this case the mobile phone – had been compromised, both the instruction and the security verification are being sent to an individual who now controls the compromised device. This must be avoided according to the recommendations.

Usability vs Security: half of consumers have abandoned online transactions 

The challenge for banks is selecting the right balance of security with ease of use. Security is critical, but if systems are hard to access then banks face higher drop-off rates, increased loss of customers to competitors, and the brand impact of being seen as difficult to use.

Drop-off rates and loss of customers are very real concerns. A recent iProov study found that almost half of consumers in the US and UK have abandoned an online purchase because the security process took too long – and those aged 18-44 are more likely to have done so.

With iProov, strong customer authentication is simple and secure. The iProov facial biometric authentication can replace passwords, or it can be used as the second factor as detailed in the two examples below:

How to enable strong customer authentication/SCA on mobile devices with iProov: 

  • A customer would begin the sign-in process to their bank account.
  • They provide a password for the first factor authentication (something they know).
  • They then effortlessly iProov themselves for a strong second factor (something they are). The customer simply holds their device in front of their face and a coloured illumination provides Genuine Presence Assurance – that is, confirming they are the right person, a real person, and authenticating right now. The illumination ceremony also acts as reassurance to the customer that their security is being protected.

How to simplify strong customer authentication/SCA on web browsers with iProov

iProov Web offers the significant advantage of allowing strong customer authentication to be completed on a desktop or laptop without the need for a mobile device.

  • A customer would begin the sign-in process to their bank account on a desktop, laptop or other device using a web browser
  • They provide a password for the first factor authentication (something they know)
  • They then effortlessly iProov themselves for the second factor (something they are) using the camera on their laptop. A coloured illumination provides Genuine Presence Assurance – that is, they are the right person, a real person, and authenticating right now.

For more information on how banks are using iProov for strong customer authentication, please visit www.iproov.com or contact us at enquiries@iproov.com

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Blog

Biometrics for Safeguarding: How Technology Is Enabling Kindness During Coronavirus

29 April 2020

By Andrew Bud, Founder and CEO of iProov

iProov is currently providing biometric authentication services free of charge to start-ups that are working on solutions to assist the COVID-19 crisis.

A number of projects are already underway, using our Genuine Presence Assurance technology to great effect.

One area where we’re seeing a lot of focus is safeguarding.

There has been a tremendous surge of kindness, generosity and community spirit around the world, as people offer their time and resources to help others in need.

But criminal behaviour is never far behind. You only need to take a quick glance at the news to find  examples, such as this 92 year-old woman robbed by thieves who persuaded her that her neighbour had the virus.

Safeguarding allows genuine offers of help to be encouraged and utilised, by putting processes and systems in place to protect the vulnerable.

 

How can biometrics help safeguarding?

Identity and verification provide two critical factors when it comes to safeguarding:

  1. They hold people accountable for their actions
  2. They build confidence among the helpers and the help seekers

Before COVID-19 arrived, we were already seeing evidence of this in the peer to peer economy. Sharing economy service providers rely on the exchange of knowledge, services, and confidence between two strangers who have a reason to trust each other.

The reason to trust each other is shared information. If I know your car registration number and you know my name, then it’s very likely that we are two matching halves of a bona fide Uber arrangement.

That trust can be greatly corroborated by a picture. Uber, AirBnB and the other sharing economy service providers use pictures of drivers, property owners and renters to instil confidence.

Pictures instil confidence. In a study, researchers at Princeton asked a group of university students to rate the trustworthiness, attractiveness, likeability, competence, and aggressiveness of actors’ faces. One group was given a tenth of a second to make their judgement. The other group was given as long as they wanted. The greatest correlation between the two groups was for trustworthiness – the two groups were most aligned on who could be trusted and who could not. Pictures are very powerful in allowing us to make decisions on trust and it takes just 100 milliseconds for us to make that decision.

But what if those pictures are fake? What if we’re taking 100 milliseconds to decide to trust the woman we’re seeing in the photo, when we’re not actually dealing with her at all?  With a few clicks of a mouse, it’s possible to fabricate a profile picture on social media and pretend to be anyone at all. There are many reasons why attackers would go to considerable lengths to masquerade as someone of a different age or gender, and thousands of criminal offences have been committed against victims of all ages.

So how do we ensure that older, dependent, and vulnerable people can receive tremendously valuable support from others without fear of fraud, theft or cruelty perpetrated by people who are not what they seem?

iProov technology can achieve this in a number of ways. Two examples of use cases that we’re working on right now show how Genuine Presence Assurance can be used during online transactions to build trust, by confirming that an individual is the right person, a real person, and authenticating right now.

  1. Registration of volunteers: Providers of voluntary assistance can register themselves for a service using Genuine Presence Assurance. During the online onboarding process a volunteer would provide their personal details, scan their passport or driver’s license, and then use facial biometric authentication on their mobile phone or web browser to prove that they are indeed the holder of that ID document. This would guarantee that their photograph was genuine and they are indeed a genuine person.
  2. Verification: On any social network, there is always a risk that a person is not who they claim to be. We rely on pictures and other information to help us decide whether to trust an individual, but if those pictures are fake then our trust is misplaced. Verification eliminates that risk. Users can be required to authenticate themselves at the beginning of each session to prove that the person currently online purporting to be them does indeed match their photo. Messages could be marked as ‘verified’ to give additional confidence that a user has authenticated themselves before this conversation. Or authentication could be requested if they want to exchange details or engage in a conversation with someone. In either scenario, trust is increased through a simple, secure facial biometric process via phone or web browser.

The opportunities that stem from these processes are endless. Shopping, gardening, household chores, dog-walking, and even companionable conversation can all be made much safer with easy to use authentication technology.

Are older people using technology more during coronavirus?

We all stand to benefit from the safeguarding technology outlined above. Coronavirus has shown that you don’t need to be old or dependent to be vulnerable. You’re vulnerable if you can’t leave your home for 14 days because you live with someone with COVID symptoms. You’re vulnerable if you have asthma or diabetes. The ability to access help quickly and safely is essential to us all.

However, the uptake of technology by the older generation during the pandemic suggests that safeguarding technology could be effective for this particular age-group.

We recently commissioned a study of consumers. One stat that stood out to me was that almost 40% of people aged 65+ in the UK are using online communications more during the pandemic. It’s not hugely surprising but that’s a significant shift in numbers – there are 12 million people in the UK in this age group, so 5 million people are using technology more today than they did 3 months ago.

increased use of online communications during coronavirus

Crises accelerate change and we’re going to see huge changes in how society uses technology going forwards. Safeguarding could, and should, be part of that.

See our website for more information on how Genuine Presence Assurance from iProov can help your organization.

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Blog

iProov and WorldReach Software: identity verification for government and citizen services

7 April 2020

iProov works in partnership with a number of technology companies around the world. WorldReach Software, based in Canada, is a world leader in government travel and citizen services. We asked Jon Payne, Executive Director, Global Partnerships at WorldReach, to tell us about their work and why they chose iProov for Genuine Presence Assurance.

WorldReach is expert in government travel and citizen services. How has your business evolved since it was originally set up?

WorldReach was founded in 1998 after a five-year software development partnership with Canada’s foreign ministry. As our international government client list grew, we quickly gained a reputation as a highly trusted government partner and advisor specialising in consular assistance including crises, and passport issuance solutions. This was our primary focus, until about five years ago.

In recent years, we chose to apply our expertise to create a new process for remote Identity and Document Verification (IDV), recognising the combination of the growth of smartphones as a mobile platform and the steadily increasing proportion of ePassports. In effect, turning the smartphone into an ePassport reader and allowing the owner to verify their identity in much the same way as an e-Gate or e-Kiosk in an airport does it, using facial biometrics.

What have been the biggest changes in government travel/citizen services since WorldReach started?

When we started, digitisation was really just a concept. Governments still largely depended upon a combination of paper documents and face-to-face processes to determine eligibility and to deliver services. This, in general, was a long, labour intensive and expensive process for governments.

We recognised the potential of technology to improve process. We worked on unlocking the power of the chip embedded in ePassports that are now issued by the majority of governments. Given all the efforts made by passport agencies to embed a small computer full of rich data into the passport, we wanted to make it more easily available in practice for immigration programmes.

Which government was the first to take advantage of this new process innovation? 

With help from the Canadian Safety and Security Program and the sponsorship of Canada’s two immigration agencies, IRCC (Immigration, Refugees and Citizenship Canada) and CBSA (Canada Border Services Agency), we were able to refine and test our technology with the real world input of immigration officials through several demonstration projects aiming at seamless borders for lower risk travellers. This work is still ongoing today in a prototype, soon to be pilot, called the Chain of Trust. The aim of the project is to achieve zero wait time at the future border for admissible passengers, by making the enforcement and compliance processes more dynamic and responsive. Our eIDV service allows applicants to register and authenticate their passport information – using their smartphone to read the chip – and uses the latest facial recognition technology to check that the applicant is a real, live person and the owner of the document.

Can you tell us more about the Home Office’s EU Settlement Scheme and how that came about for WorldReach? 

In the UK, the EU Settlement Scheme (EUSS) run by the Home Office is using the eIDV concept in an immigration context in perhaps its single largest live deployment. Because of Brexit, the freedom of movement previously enjoyed by other EU nationals living in the UK will soon come to an end. The UK government estimates that there are between 3 and 4 million people in this category, who are eligible to apply for a new “settled status” before January 2021, in order to continue living and working in the UK.

The policy presented the Home Office with a new operational challenge, since applying for settlement in the UK usually involves filling out a lengthy form and sending personal documents – including passports – to the department in the mail, or attending a Home Office facility for an interview. The Home Office chose to offer an entirely digital application process, and we are pleased to be a significant part of the solution. Although EUSS began in full release only in March 2019, the Home Office recently announced that more than 3.3 million applicants had already applied for settled status.

So, a convenient, secure identity verification service, using the latest in facial recognition and iProov’s genuine presence technology, is the world’s largest and most successful digital immigration on-boarding programme.

What do you see on the horizon in this sector? What will be the biggest changes/trends over the next 2-5 years?

One of the biggest changes on the horizon concerns the passport itself. The International Civil Aviation Organization (ICAO) is working towards an internationally recognised Digital Travel Credential (DTC) standard. A DTC has the potential to provide functionality and security features that are comparable to those of a current ePassport, with increased convenience. This generated DTC could substitute a conventional passport in some circumstances by providing a digital representation of the traveller’s identity, including in emerging seamless traveller initiatives.

It’s not hard to see how this internationally accepted credential might then be used in other identity verification schemes, beyond travel.

Why did you choose to work with iProov?

We knew genuine presence would be a key component in any successful remote identity verification platform. After all, a selfie alone doesn’t prove a real person is present, nor can it detect a mask or other spoofing techniques. So, we went to work, testing and spoofing between 25 and 30 solutions that were in the market. At the time of the EUSS opportunity, iProov was the only solution that our technical team couldn’t spoof.

Having worked with iProov for more than a year, we continue to be impressed with the technology and the company’s responsiveness as a strategic partner.

What is life like at WorldReach? How would you describe your company culture? 

We pride ourselves on fostering an inclusive, diverse, welcoming and transparent company culture.

As far as diversity goes, WorldReach staff speak 19 different languages. This has proven valuable in a global market, supporting clients from all over the world. Women make up 50% of our Senior Management, 67% of Technical Team Leads, and 40% of the entire staff. We’re very proud of these stats and we work hard to achieve gender parity.

As for daily life at WorldReach, there is a real camaraderie here, which is invaluable in times of crisis, such as we’re now seeing with COVID-19. We can count on one another. We have a very low attrition rate; a large percentage of our staff have been with the company for more than a decade. People like each other, laugh a lot, and work very hard. Our clients and partners recognize this; they know that they can depend on WorldReach, because we’ve shown that we depend on each other.

Finally, a bonus question! Can you tell us something surprising/something most people wouldn’t know about government travel/citizen services?

Well, there are some things hidden in the passport statistics that you might not know. For example, of the 195 or so countries in the world, almost 150 of them now issue ePassports with an embedded chip. The largest issuer of passports in the world was the US for many years, most recently at roughly 20 million per year; however, a few years ago they were overtaken by China, which issued 30 million passports last year. Probably the smallest state issuer is Vatican City, which issues its own passport despite having only about 600 citizens in total.

Find out more about WorldReach at www.worldreach.com

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The FCA letter explained

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The FCA coronavirus letter explained: how to remotely onboard customers without encouraging criminals

1 April 2020

On 31st March, the UK Financial Conduct Authority (FCA) issued a letter to the CEOs of UK regulated financial institutions providing guidance on how to navigate the challenges of coronavirus.

This has been interpreted by some national newspapers to mean that identity checks can be done with selfies (“Send your bank a selfie to check your identity, watchdog says”, The Daily Telegraph).

This is not true. Identity checks completed via selfie are an open invitation to money-launderers and other criminals.

The only way to remotely check the identity of an individual is through Genuine Presence Assurance:

  • Are they the right person? Are they able to prove, online, that they are the rightful holder of a passport, driver’s license or other identity document?
  • Are they a real person? Is the individual that is presenting themselves for identification a real person and not a photograph or video?
  • And are they authenticating themselves right now? Criminals can use replay attacks, where videos of previous identifications are used to dupe the system. Genuine Presence Assurance protects against spoof attacks by confirming that the individual is a live human being and is completing the identification at this very moment.

Without Genuine Presence Assurance, criminals and terrorists can, and will, fully exploit identity check processes for the purposes of money-laundering and other fraudulent activity.

What is the FCA letter actually saying?

The letter has been misinterpreted in some quarters. It is actually reminding organizations that flexibility already exists within the current guidelines. Financial institutions already have the right to remotely identify and authenticate individuals, thus eliminating the need for customers to come into branches for identity checks.

Financial institutions that have not yet taken advantage of remote identification technology must do so immediately, in order to:

  • Continue onboarding customers, who can no longer come into branches
  • Provide remote step-up authentication on high value or high risk transactions that previously needed to be completed in-branch
  • Authenticate customers accessing secure online services
  • Protect against increased criminal activity during the coronavirus pandemic

Banks such as ING, Standard Bank, and Rabobank are already using Genuine Presence Assurance technology to effortlessly and safely onboard customers remotely, protecting themselves against criminals and ensuring compliance with regulations.

The letter makes reference to Joint Money Laundering Steering Group (JMLSG) guidance, which clearly states that any risk must be mitigated when completing identity checks on customers.

The Money Laundering and Terrorist Financing (Amendment) Regulations state:

(19) For the purposes of this regulation, information may be regarded as obtained from a reliable source which is independent of the person whose identity is being verified where— (a) it is obtained by means of an electronic identification process, including by using electronic identification means or by using a trust service (within the meanings of those terms in Regulation (EU) No 910/2014 of the European Parliament and of the Council of 23rd July 2014 on electronic identification and trust services for electronic transactions in the internal market(2)); and (b) that process is secure from fraud and misuse and capable of providing an appropriate level of assurance that the person claiming a particular identity is in fact the person with that identity.”

A selfie submitted by email or text is clearly neither secure from fraud and misuse, nor capable of proving an appropriate level of assurance that the person is who they claim to be.

Andrew Bud, Founder and CEO of iProov, said; “The FCA is not relaxing its rules on identity verification. The financial services industry was already permitted a level of flexibility that is now desperately needed in the current situation.

“Thanks to online identity verification, customers can still set up bank accounts and transactions can still be authorized and completed even when branches are closed and people cannot leave their homes.

“We welcome Chris Woolard’s reminder to the industry that remote identity verification is possible and encourage organizations that have not yet made the transition to do so.”

Any organization that would like advice about implementing the ID verification measures referred to in the recent guidance from the FCA, or about offering online identity verification, should contact enquiries@iproov.com

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Meet Joe Palmer, President of iProov Inc

31 March 2020

Earlier this year, we announced the opening of our iProov US office, in Catonsville, Maryland, at the bwtech@UMBC Research and Technology Park. Read more here.

Joe Palmer, President of iProov Inc, has been leading the expansion, both strategically and tactically. A founder member of the iProov team, Joe and his family relocated to the US this year to continue building the North American team with iProov culture and values.

How long have you been working at iProov?

I met Andrew Bud, CEO and Founder of iProov, nearly eight years ago. We were introduced through my former supervisor at University College London (UCL), Professor Phillip Treleaven. Andrew had asked Professor Treleaven to recommend someone with development skills who could help him change the world with a new idea.

 

Andrew explained his idea very well – I was really excited by what I heard and knew he was onto something special – so I came on board. For the first 18 months at iProov, I was focused on developing code. This included a basic Android app, an API and a core analysis system that used GPUs to accelerate the image processing. Dominic Forrest, our now-CTO, joined in 2013 and between the two of us, we redesigned the system and built a new version that was architectured to allow us to scale. It’s been improved hugely since then, but the basic micro-services architecture we developed back then is still the foundation of what we have at iProov today.

It was at this point iProov needed to scale up and start supporting large systems. We started to expand the workforce and built a structured tech team. I took on responsibility for the external facing software including web services, SDKs, APIs and integration documentation.

It wasn’t long before we were getting a lot of serious interest from customers. I moved into a more strategic commercial role helping to demonstrate what iProov could do for each bank or government department. We had one sales executive at the time and we became a dream team talking to customers. We closed our first deal with a large European bank and everything took off.

How did your move to the US come about?

We were growing rapidly in Europe, and commercial traction was starting to build in North America. We had a discussion internally and agreed that a US office was needed. I went home to discuss it with my pregnant wife and she agreed that it was a good time for us to make that move. After our daughter, Sophie, was born, we flew out as a family to the RSA conference to look at the US with a new perspective – our future home.

There were a lot of preparations – obviously for my wife and I from a personal point of view, but also for iProov in making changes to the team ready for my relocation. And then earlier this year we made the move and are now settled in a house in Maryland.

What do you miss most about the UK?

I do miss the actual UK office on the South Bank in London. There’s a real buzz about commuting into the city and being part of this incredible global hub. My journey – 30 minutes commute on public transport – allowed me prep time and thinking time ahead of my day.

The UK office is also an incredibly collaborative place. We have a very flexible policy on working from home but most iProovers choose to come in as often as possible, as there’s an energy and a lot of inspiration flying around. We’ve scaled up very quickly but we’ve put good structure in place to ensure that people know what’s going on and who does what, even as we expand.

I’m looking forward to building out the US team – we already have several people onboard – and I’ll be working with my colleague Simon Williamson to extend iProov’s unique, infectious, passionate company culture across the pond.

What does the future hold for iProov Inc and your North American team? 

North America is at a different stage to Europe and Asia-Pacific in terms of its understanding of biometric authentication. We’re bringing tried and tested use cases that have delivered huge benefits both to the business and the consumer, and that’s been incredibly important. The US in particular is a different market with its own unique challenges and opportunities so whilst it feels familiar, it is actually a fundamentally different landscape. It’s an exciting time for iProov and for the Palmers!

Contact us at enquiries@iproov.com to be put in contact with your US regional representative or follow us on LinkedIn and Twitter for more iProover profiles.

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face verification on android mobile

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iProov releases next-generation Android SDK

30 March 2020

iProov is pleased to announce the release of its next-gen Android SDK, which delivers user experience improvements, easier integration, and performance enhancements.

New features in the release include:

  • Increased user experience control with asynchronous streaming
    Previously, an iProov authentication took a user through five steps before returning them to the customer app. This has now been improved; the user is now returned to the customer app immediately after the illumination stage, while the pass/fail result is pending. This allows customers to decide what their users see during those seconds.
  • New adaptive lighting model
    A new adaptive, evolutionary lighting model now controls how iProov responds to varying lighting conditions, replacing hard-coded algorithms. It will now be possible to dynamically update the lighting model. Customers will see immediate benefits, including increased first-time pass rates.
  • New filter options
    Customers can now change the colour scheme on the visualization of the user, allowing further customization. The ‘shaded’ option adds a light tint of colour, while ‘vibrant’ adds a full colour effect.
  • Pose control
    iProov is specifically designed to work from a wide variety of angles. Under normal circumstances, we actively encourage users to adopt a natural ‘from below the eye’ angle as this is how the phone is most naturally held. The latest release now enables customers to request a ‘face-on’ pose, which is appropriate for document compliance in some instances.

Visit our website for more information on iProov’s identity verification services. To keep up to date on further releases and other news from iProov, follow us on Twitter and LinkedIn.

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SC Awards 2020

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iProov Shortlisted for SC 2020 Awards – Best Authentication Technology

27 March 2020

If you’re looking for a who’s who of the top cybersecurity technology vendors, the shortlist for the SC Awards is an excellent place to start.

The SC Awards are recognized as the gold standard of achievement for cybersecurity providers, products and professionals.

The 2020 shortlist was announced yesterday and iProov is extremely proud to announce that we are featured for Best Authentication Technology.

The shortlist was decided by a prestigious panel of expert judges, who use a set of criteria to recognize the industry players that are at the top of their game. iProov’s biometric Genuine Presence Assurance technology is being used by organisations around the world, including the U.S. Department of Homeland Security, the U.K. Home Office, the NHS, Rabobank, and ING, to provide consumers with secure, effortless access to online services.

 

What is Genuine Presence Assurance?

Genuine Presence Assurance allows governments, financial service institutions, travel providers, and other enterprises to confirm that an online user of a service is:

  • The right person – the individual trying to access an account or service is the holder of that account and not an impersonator
  • A real person – photos or masks are not being used to gain unauthorized access
  • Present right now – the authentication is happening in real-time and is not a replay attack, where a video of a previous authentication is rerun to gain unauthorized access

What are the SC Awards?

The SC Awards are recognized as the pinnacle of accomplishment for cybersecurity professionals, products and services. For over 20 years, the awards have recognized the vendors and leaders that are protecting consumers and businesses from cyber-attacks.

SC Awards Europe 2020 will be announcing the winners online on 2nd June 2020. In the meantime, keep in touch with iProov on Twitter or LinkedIn.

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iProov Joins FIDO Alliance

24 March 2020

iProov is pleased to announce that we have joined the FIDO Alliance, the industry association focused on reducing the world’s over-reliance on passwords.

Passwords have become increasingly unfit for purpose in a world where so much interaction is completed online and consumers are accessing large numbers of websites and apps.

Why are passwords unfit for purpose?

  • Expecting consumers to follow the guidelines for creating passwords (make passwords unique for every important account, make passwords longer and memorable, avoid personal or common words) is no longer reasonable. In a Google survey, 51% of people admitted to reusing the same password for multiple accounts.
  • As consumers increasingly rely on their browsers to remember passwords, the security risk increases – a laptop left unlocked, or that is compromised, potentially provides access to financial and reputation damage.
  • Stolen and reused credentials are responsible for 80% of hacking breaches.

 

How is iProov enabling the move to a passwordless world?

iProov’s facial biometric technology replaces the need for passwords. With iProov, a user authenticates themselves simply and securely with patented technology. By illuminating the face with a sequence of coloured lights, we provide Genuine Presence Assurance.

What is Genuine Presence Assurance?

Genuine Presence Assurance allows governments, financial service institutions, travel providers, and other enterprises to confirm that an online user of a service is:

  • The right person – the individual trying to access an account or service is the holder of that account and not an impersonator
  • A real person – photos or masks are not being used to gain unauthorized access
  • Present right now – the authentication is happening in real-time and is not a replay attack, where a video of a previous authentication is rerun to gain unauthorized access

Enterprises and public sector agencies around the world are using Genuine Presence Assurance from iProov to enable access to the most secure online services, from bank transfers to tax returns, without depending on passwords.

Which companies are FIDO members?

Other FIDO members include Apple, Amazon, American Express, Bank of America, Facebook, Google, ING, Intel, Mastercard, Microsoft, PayPal, Samsung, and VISA.

Keep up to date on our work in reducing the world’s over-reliance on passwords – follow us on Twitter or LinkedIn.

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iProov at connectID: The New Frontier of Digital Identity Fraud

11 March 2020

How will we vote, pay, travel, work, interact and transact in a digital world, if identity fraud continues to threaten trust and security?

That’s the question that iProov will be helping to answer at the connect:ID conference this week in Washington DC. It’s a great event, attended by representatives from government and the private sector, that focuses on the need for new thinking to combat identity fraud in a digital, data-driven world.

Come and meet the iProov team on our booth #115, or join us in one of our presentations:

The Last Mile – Securely Binding Real People To Secure Digital Identities | 4.35pm, 11 March, Stage 3 | Andrew Bud, CEO, iProov

Come and hear Andrew talk about the work that iProov has been doing with governments and banks around the world, including the Department of Homeland Security, Home Office, NHS, Rabobank and ING. What are the threats that governments and banks face, what is driving those threats, and how can they be combatted?

 

What is Truly Secure and Passive Authentication? | 2.45pm, 11 March, Table 13 | Simon Williamson, Vice President Sales, iProov North America

Join our roundtable for a discussion on passive authentication; what is it and what are the security, usability, and commercial implications of different types of passive authentication.

Deepfakes: The New Frontier of Digital Identity Fraud | 3.20pm, 12 March, Stage 4 | Joe Palmer, President iProov Inc

Joe will be talking about how evolving deepfake technology is forcing a rethink on the way that governments and enterprises are protecting themselves and their citizens/customers against presentation and replay attacks.

If you’re not attending connect:ID and would like more information on these presentations or on our services, please contact us enquiries@iproov.com

What is connect:ID?

connect:ID is an identity conference and exhibition that focuses on how disruptive technology and policy decisions are driving much needed change in the world of identity, particularly in government and finance.

What’s on the agenda at connect:ID?

Also on the agenda this week: Trusted Authentication, Identity Proofing, Online Authentication, Remote Onboarding, Digital Identity Standards, Federated Identity, KYC/AML, Combatting Document Fraud, Border Control, Privacy and Consent, Compliance & Regulation, Meaningful Consent, Payments and Open Banking, Smart Cities, Protecting Citizens Online, Mobile Citizen ID, Next-Generation Biometrics, Traveler Identity, Seamless Traveler Journey, Biometric Exit/Entry, Advanced Passenger Identification, Secure Ports of Entry, Digital Identity Fraud, Presentation Attack Detection, Account Takeover Fraud.

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International Women’s Day – The Women Powering iProov

6 March 2020

International Women’s Day is a recognised day worldwide, celebrating the social, economic, cultural and political achievements of all women globally. We are moving into a very exciting time in gender balance history where the world notices its absence and celebrates its presence. We’ve seen movements like #PledgeForParity in 2016, #BeBoldForChange in 2017, #PressForProgress in 2018 and #BalanceForBetter in 2019. And so here we are in 2020, and iProov is celebrating #EachForEqual.

Susannah, our Digital Marketing Executive, had a fireside chat with Sital, Product Marketing Manager, Lynne, Global Head of Product Marketing, Sarah, Global Head of Marketing and Ju Lee, Financial Controller, to hear what International Women’s Day means to them, and what advice they would share with other women.

 

Susannah: What does International Women’s Day mean to you? 

Sital: It’s an opportunity to recognise the achievements of women and the contribution they make on a daily basis whilst juggling home and work. It gives us, as women, an opportunity to stop and take stock of our achievements and support each other. I am lucky that our community has hosted International Women’s Day events, an evening to dress up, spend time with like minded women. I look forward to hearing inspirational stories from women of non British background, and how they have overcome obstacles and flourished in Britain. This year I am organising my own little event too.

Lynne: An opportunity for women around the world to share and highlight their stories.

Sarah: Women’s rights are always under siege and we ignore that at our peril. International Women’s Day is a good opportunity to assess how far we’ve come and what remains to be done.

Ju Lee: It’s a day of celebration, to share achievements and to give each other a pat on the back. It’s also an opportunity to highlight how much still needs to be done and to remind us that to do nothing unwinds all the good work that has been done so far.

 

Susannah: Typically women are the primary carers for elderly parents and children, whilst balancing a career. What advice would you give to those juggling many roles across personal and professional life?

Sital: Firstly, remember to look after yourself. It’s easy to get wrapped up in the needs of those being cared for, but unless you are healthy and fit enough to look after others, it will fail. You have an identity that isn’t just being a carer, so make time for yourself. Secondly, ask for help!

Lynne: Remember how much you love them and how much they love you, but also sometimes accept that you can’t do everything yourself, you don’t need to be superwomen!  Ask for help.

Sarah: Set out what is important and how much can realistically be achieved in 168 hours a week and then try and keep the right balance between your priorities.

Ju Lee: There is no doubt that the challenge is tough but women are amazingly strong, resilient and resourceful. Keep reminding yourself of the positives of what you are trying to achieve, find support from others in a similar position and make sure you allocate time for yourself.

 

Susannah: Who do you hope to be a role model for?

Sital: Mostly my niece, but also younger family and community members.

Lynne: I’ve never thought about myself as a role model. I just try to do the best I can in every situation.

Sarah: Women should support each other but I do feel a special affinity with working class girls who don’t get to see the full scale of opportunities that are open to them.

Ju Lee: I hope that anyone who joins iProov will be able to see how women are valued in the company and opportunities given are based on merit not gender.

 

A note from Aarti, SVP of Product and Marketing:

Many of us are lucky to be part of organisations where equality is both a guiding principle and practise. Here at iProov, we are invested in our people. Our company values are initiated by our CEO Andrew Bud, to support and encourage a culture of diversity.

The range of demographics across the organisation, enables iProov to propel as a startup and remain current in its values. Our flexible working policies enable inclusivity, and women centric comms channels offer an ongoing hub of support. iProov encourages everyone to have a voice, and ensures that your voice is just as important as the next. Every Friday, we have a company stand up where everyone has time to speak about their achievements of  the week and offer a shout out to a colleague.

iProov enjoys celebrating the uniqueness of our people. Recently, we published a blog post celebrating International Day of Women and Girls in Science. The blog showcased the career trajectories and accomplishments of iProov women in STEM, and demonstrated some of the exciting work that STEM skills can lead to, to inspire young women to pursue STEM.

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iProov wins Finovate Best of Show 2020

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iProov Wins Finovate Best of Show For Third Successive Year

21 February 2020

It is known as fintech’s ‘X-Factor’: at Finovate every year, the world’s most cutting edge technology companies showcase their latest products to hundreds of banks and other financial institutions.

Each technology leader gets 7 minutes to conduct a live demo of their latest product in front of banking technology experts from around the world. The audience then votes for their favorites. It’s not for the faint-hearted.

Last week iProov completed a remarkable hat-trick; we won Finovate Best of Show for the third year running. In 2018, 2019, and now again in 2020, Finovate attendees voted for iProov as a stand-out innovator, providing solutions to meet compliance, fraud, and usability challenges in the financial sector.

 

This year’s win was for iProov for Kiosk watch our demo here. Our customers can now use our biometric authentication technology to support secure, high value transactions in low security branches and other physical locations, such as kiosks or unmanned offices. Enterprises that will benefit from both mobile and fixed terminal authentication include banks (for Know Your Customer process and service access), governments (for citizen services and immigration) and travel providers (e.g. airlines, international train services and car hire). Read more about iProov For Kiosk here.

This was the latest in a series of wins for iProov:

  • iProov’s remote authentication technology has been extended to iOS users, who can now authenticate themselves using their passports and contactless NFC document reading from our partners Innovalor ReadID
  • Over 2.5million consumers have ‘iProoved’ themselves over the past 12 months as they accessed financial and government services, such as the Home Office’s EU Settled Status app
  • iProov became the first Genuine Presence Assurance solution in the world whose resilience to all types of attack, including video, has been conformance approved to ISO 30107-3 by a national standards laboratory
  • The iProov team has doubled in size, with new offices opening in London and the US.

For more information about iProov’s technology, click here.

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iProov office remarkable things

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iProov Celebrates International Day of Women and Girls in Science

11 February 2020

Did you know that one of iProov’s talented team was known as ‘Particle Girl’ at school because of her love for science? To be honest, it was news to us too. But it’s International Day of Women and Girls in Science, and we decided to celebrate by finding out more about some of the extremely talented women that work here at iProov.

Susannah, our Digital Marketing Executive, sat down with Aarti, SVP of Product and Marketing; Gemma, from our Research Science team; and Trupti and Anindita, from our Software Engineering team, to hear about how they got into technology and what advice they would give to girls that are looking to STEM for a future career.

Susannah: What inspired you to start a career in Science, Technology, Engineering and Mathematics (STEM)?

Aarti: I was schooled in India, where the education system is focused on STEM subjects. As a child I was fascinated by the history of mathematics and inspired by the lives of the great mathematicians. It was a perfect amalgamation of art, science and philosophy. University was perfect for me to really delve into this subject and explore its various facets. At the time I was advised to pursue a more vocational subject, but I followed my passion, and have never looked back!

Gemma: I was an inquisitive child and wanted to understand ‘why’ to everything. At the age of five, my interest in science stemmed from my father studying Astrophysics. By the age of 11, I had won my schools science trophy and was nicknamed ‘Particle Girl’ because of my love of science. Academically, my whole world was science, which led me to studying physics at the University of Sussex. I learnt to code during my first year of university and loved that it enabled me to automate mathematical and data processing techniques. Whilst at university, I completed numerous internships in engineering and in data analyst roles. During my Masters year, I was looking to be really challenged and I came across iProov. An interview with Andrew Newell (Research Director) confirmed that iProov could offer the challenge that I was looking to sink my teeth into. I joined as a Data Analyst in March 2017 and was soon promoted to Research Scientist.

Trupti: I am inspired by every individual around me. But if I had to choose a role model then it would always be Dr A.P.J. Abdul Kalam, also known as The Missile Man of India and a symbol of positivity for me. He’s a former President of India, and his career in physics and aerospace engineering inspired me to start my journey into STEM.

Anindita: From my childhood I was fascinated by my metallurgist father computing complex metal alloy properties on small paper notepads. Following his footsteps led me towards studying computers and now I can’t remember when I used pen and paper for even small calculations!

 

Susannah: What is your biggest achievement in STEM and technology so far?

Aarti: To be able to use technology to change how over a billion people interact with their smartphones. Over my career, I have seen mobile phones evolve dramatically. In 2012, I had the opportunity to be involved with a consumer tech startup who made the first predictive text keyboard on a smartphone. I was able to work on a product that enabled people in emerging markets, like India, China and Brazil where English was not their first language, to communicate with one another. It was a challenge to make a predictive keyboard for multiple languages in non Latin script. However, there was a real sense of pride when I was able to launch that product to market and say I helped a billion people to communicate in their own language using their devices, allowing them to maintain their identity. I am now able to create the same power at iProov through a product that allows people to remain safe online.

Gemma: Building iProov for Palms. It was my first opportunity to run a full project and design systems from scratch. I enjoyed working across teams – usability, app design and with the backend team – to produce something really innovative. The skills and relationships I built for this project now enable me to work on other iProov products. That project really prepared the foundation for the passion and drive I have here.

Trupti: I’ve always been fond of sharing knowledge to help others. In 2011, I visited several schools in remote areas of India, who could not afford expensive software tools, in particular JAWS which is a screen reader for visually impaired students. We trained these schools to use ORCA to support the visually impaired students and designed a customised version to be distributed to other schools and colleges. In 2012, I was part of a training program for remote areas in India. The aim of the program was to introduce each community to open source and online education. I cannot claim it as a big achievement, but it was a step in the right direction and making people’s lives better.

Anindita: In my career so far I have been lucky to have the chance to live and work in 4 countries across 3 continents. Though this has meant uprooting oneself from one place to another, this has added to my adaptability. Though every award is a big encouragement, the first Star award I won as part of a team in Citibank Singapore in 2007 is my fondest memory. We all really enjoyed working hard on that project, writing code for adding new equity linked complex financial products for the Hong Kong fixed income business market. I have also been recognized quite a number of times at DXC for leadership and delivery excellence which was very encouraging too.

 

Susannah: What advice would you share with women and girls looking to pursue a career in STEM and/or technology?

Aarti: I often see young women and girls put off by STEM subjects. There is a lot of ‘I can’t’. But I believe there is nothing you ‘can’t’, there is only “what you can, what I can and what we can”. So please don’t be put off by the supposed ‘norms’ you see in society, because there isn’t a norm. You define the norm. So if you have an interest in STEM and technology, make it your norm and go full steam ahead. You will find willing mentors along the way, who have travelled on this road already, to lift you and support you in your career. You will also very quickly realise that your perspective as a young female adds immense value to a business.

Gemma: My main advice is: you can do it! I encourage you to try new things and do not be afraid to fail. Being a women in STEM/tech is not about being better than everyone else. It is about being unafraid and unapologetic to share your knowledge and skills. Do not let anyone else tell you what you can’t do. There is a place for you in the world of STEM – you just need to find it.

Trupti: My advice to all looking to start a career in STEM and tech is to be yourself and enjoy your work.

Anindita: I received this advice from my mentor and enjoy passing it on to future friends in industry. The key is to keep broadening one’s horizons and keep learning new STEM skills as well as life skills. All future tech advancements are predicted to require more and more interdisciplinary skills, so knowledge in all areas will play an important role in fulfilling a STEM career.

 

Susannah: What does the next generation have to look forward to in the STEM/tech industry?

Aarti: We are living in the best of times for technology where everything is moving very fast and it’s all very exciting. I don’t believe we can predict what technology will look like in 10 years’ time. But we can predict that it will be nothing short of exciting! If you are looking for the unknown, technology is the industry to be a part of. It can take the shape you want it to take. Young people bring in new perspectives and new skills; they’re the ones who will shape the world of technology. You have the opportunity to make a real dent in the world, more so than ever. You can look forward to bringing a change, and making our world a better place with technology!

Gemma: Machine learning is an emerging field with data scientists and machine learning engineers massively in demand. It is still a young market, so anyone joining the industry and learning from those who are experienced will have equal opportunities to forge ahead. Machine learning has gone from a poorly understood mathematical technique to AI being recognised for the massive role it is going to play in all of our lives. With improvements in technology and infrastructure (GPUs etc.), machine learning has opened up the world of possibility, resulting in more jobs. If done properly, machine learning can change the world for the better and we need smart and driven people to join us.

Trupti: The next generation should know that ‘A swarm in May is worth a load of hay’.

Anindita: Diversity. As life expectancy is increasing, very soon, the age of the workforce may well range between 20 and 80. We need to be prepared and look forward to learning and growing in an even more diverse workforce.

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iProov at Finovate Europe 2020

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Join the iProov Demo at FinovateEurope 2020

10 February 2020

FinovateEurope is taking place in Berlin this week and iProov will be there – come and join our demo session on Thursday 13 February at 11.30am. If you can’t attend in person, follow us on Twitter for live tweets on what we’re revealing at the event.

iProov has won Best of Show at Finovate for the past two years, so we have a lot to live up to as we take to the stage looking for a third successive win this week.

Since the last Finovate we have:

  • Seen over 2.5million consumers ‘iProov’ themselves to access travel, financial and government services, in applications like onboarding and applying for settled status using the Home Office’s EU Settled Status app
  • Won a number of exciting new projects with global banks, public sector agencies and partners
  • Doubled the size of our team and relocated to lovely new offices

What will we be announcing at FinovateEurope 2020? Our CEO, Andrew Bud, will be presenting our demo and our team will be on the booth to answer your questions and tell you more about our services.

  • Join us on 13th February in demo session #6 and be a part of our new product annoucement
  • Book a meeting to chat with the iProov team about our services

What is FinovateEurope 2020?
Back in 2007, the Finovate team set about to create the most memorable event in financial services technology. Since then, the financial and banking focused event has grown globally to include FinovateEurope, FinovateSpring, FinovateAsia, FinovateFall and FinovateAwards. FinovateEurope is home of fintech innovation through unique, short-form demos and expert speakers on banking, regtech, payments, customer experience, investech, open banking and AI.

Who is going to FinovateEurope 2020?
FinovateEurope 2020 will host iProov and 1200+ other attendees, with over half coming from financial institutions. You can hear from 150+ innovators driving change in the industry and discover the latest developments from 50+ demos in open banking, tech, payments and insurance.

Event details:
Event Date: 11-13th February
Demo Session: #6 on 13th February
Location: InterContinental Berlin, Berlin, Germany

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iProov face verification on tablet

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3 Usability Tips for a Slick Authentication Experience

1 February 2020

Whether it’s face ID or airport e-gates – it’s clear that face authentication has really taken off.

While we hear a lot about the ‘security and usability trade-off’, we’d like to suggest you can have the best of both worlds.

Here are some usability tips we’ve learned in the field.

Make the technology do the work, not the user

Placing demands on your user is a sure-fire way to add friction to an authentication experience. Performative actions like ‘look left’…‘blink’…‘recite number 3,2,1’…. ‘do 3 star jumps’ ….creates user frustration and ultimately an increase in abandonment.

Taking an approach that places the security demand on the technology, rather than the user, is not only better for security but skyrockets a user experience.

Deal with selfie anxiety

I want to log into my online banking discreetly on the train and avoid looking like I’m taking a shameless selfie. But do I want to look at my face at a  45-degree angle? No.

To avoid this trauma, consider distorting or softening the imagery. Many people assume distorted imagery lessens the user experience, but data collected by iProov suggests the opposite. 91% of people preferred or were neutral to iProov’s softened imagery, while only 9% would have preferred a photographic selfie.

Your user isn’t a mind reader

A user can’t authenticate? Why? Tell them what the problem is!

Are they too close to the camera? Are they moving too much?

Giving user feedback is essential to prevent frustrated users and increased abandonment!

It’s also important to note that a solution shouldn’t even start unless your user is in a suitable environment.

If the authentication process is able to start in an environment that’s too dark, or too close then the solution has failed to do its job before it’s even begun.

Make sure your feedback has positioned your user for success!

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Deepfake threat protection at iProov

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Deepfakes: The Threat To Financial Services

29 January 2020

We’ve just released a new report, Deepfakes: The Threat To Financial Services, which shows that 77% of financial sector CSOs are concerned about the impact of deepfake video, audio, and images.

The use of deepfakes in fake news, pornography, hoaxes and fraud, has created a storm of controversy. Earlier this month, Facebook announced plans to ban deepfakes from its platform, with concerns mounting about their influence on the impending US election.

We surveyed 105 cyber security experts in the financial sector, who told us that:

  • Personal banking and payment transfers were most at risk of deepfake fraud, above social media, online dating, and online shopping
  • Only 28% said that they’ve already put plans in place to protect against deepfakes, with 41% planning to do so in the next two years
  • 29% said that deepfakes were a significant or severe threat to their organisation
  • 64% said that the deepfake threat is going to get worse

Read Deepfakes: The Threat To Financial Services.

Andrew Bud, Founder and CEO at iProov, said: “It’s likely that so few organisations have taken action because they’re unaware of how quickly this technology is evolving. The latest deepfakes are so good they will convince most people and systems, and they’re only going to become more realistic.”

“The era in which we can believe the evidence of our own eyes is ending. Without technology to help us identify fakery, every video and image will in future become suspect. That’s hard for all of us as consumers to learn, so we’re going to have to rely on really good technology to protect us.”

What are deepfakes?
Deepfakes are videos, images or audio recordings that have been distorted to present an individual saying or doing something that they didn’t say or do.

If you think of the thing that you are least likely to ever say, and then imagine your friends, family or employer being shown a (convincing) video of you saying it, it is easy to see the potential for malicious misuse.

How do deepfakes affect banks and other financial services institutions?
For banks and other financial services providers, deepfakes could impact:

  • Onboarding processes could be subverted and fraudulent accounts created to facilitate money-laundering
  • Payments or transfers could be authorised fraudulently
  • Synthetic identities could be created, whereby criminals take elements of a real or fake identity and attach them to a non-existent individual

Read the report for more examples.

iProov is working with leading banks, including ING and Rabobank, to protect against deepfakes. Our biometric authentication technology has been built with unique anti-spoofing capabilities that establish the ‘genuine presence’ of a customer. For more information, our The Threat of Deepfakes webpage.

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2020 predictions for biometrics and digital identity

15 January 2020

By Andrew Bud, Founder and CEO of iProov

I think there are few more exciting sectors than biometrics and digital identity in 2020, and it’s a privilege to be in the midst of it all. Many of the themes that we’ve talked about for years, from digital identity as a service to biometric onboarding, will finally make it onto the main stage this year.

My top four predictions for 2020:

1. Digital identity as a service: serious players will emerge
2020 will be the year of the single digital identity. Serious industry players will start to emerge with credible, scaled offerings that allow consumers to create one digital identity for use in many different contexts and situations, from healthcare to car hire. The result for the consumer will be infinitely enhanced convenience, coupled with greater control of their own identity security.

Suppliers in this new market will likely come from different sources. Some will be national governments, others will be major commercial organisations – Mastercard has already declared an ambitious strategy in this arena – while others will come from unfamiliar sectors.
They will have at least one thing in common; a compelling reason for consumers to sign up and create a single identity in the first place.

2. Strong customer authentication (SCA) in banking will take off
We’re definitely going to see real action and innovation in strong authentication this year. This will be driven by the implementation of PSD2, whose provisions on SCA went largely ignored prior to the original deadline of September 2019. The new deadline for 2021 has been set, so we can expect to see a lot of activity here.

3. Biometrics for onboarding will become the norm
There’s going to be rapid acceptance of biometrics for automated onboarding in financial services in 2020. The regulations surrounding anti-money laundering, including 5AMLD and 6AMLD, make provision for remote authentication for the first time. They change the game entirely for how consumers go through the onboarding experience and provide opportunities for an overhaul of the services that banks can offer. This will be turbo-charged by Apple’s release last September of the ability to read passports contactlessly from iPhones, joining Android and making it ubiquitous.

4. The public will recognise the threat of deepfakes
The potential impact of deepfake videos and images will be felt by the general public this year. Ultra-realistic material showing people saying and doing things that they did not say or do will force all of us to recognize the possible implications. If someone can create a convincing video of Barack Obama being incredibly rude about Donald Trump, what other havoc could be wreaked on our lives using this ever-evolving technology? Our identities, our finances, and our reputations could all be at risk.

What binds all of these things together is trust and control over personal attribute data. Identity is a subset of the personal data ecosystem and we will see privacy, security, the rights of state, centralized identity versus self-sovereignty and other societal issues move up the agenda.

Find more information on iProov’s work in biometric authentication, or get in touch if you’re interested in working in this fascinating industry – we’re always on the look-out for talent.

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iProov welcomes Simon Williamson, VP of Sales for North America

10 January 2020

Written by Luke Moore, SVP Revenue

I am delighted to welcome Simon Williamson to iProov. Simon joins iProov’s Global Sales Team as VP of Sales North America. He is actively hiring a team of Regional Enterprise Sales professionals across America, so get in touch if you’d like to join our mission of increasing trust online with world-class biometric authentication technology.

Welcome, Simon! What attracted you to iProov?
There are three things. Firstly, the technology. iProov has found a completely unique, completely brilliant way of solving a significant challenge in people’s lives, namely how do I get access to services with my bank or the government or for travel without having to physically go into a building with my ID documents. The opportunity is huge. It allows businesses to increase customer acquisition, and it makes public sector services more easily available to millions of citizens. It’s such a customer-centric idea.

What was your second reason?
Nearly all of us have a digital identity that we use to identify ourselves online, often many times a day. For some, this has come at a cost: identity theft can be inconvenient at best and potentially life-changing at worst. There’s a huge amount at stake if criminals get hold of your identity, so it’s really cool to work in an area focused on protecting people. It’s a space that’s going to see huge growth and focus.

And your third?
The people. I was really blown away by the passion that every single iProover has. We’re all on a mission to achieve something really important in making the internet a safer place and that has created a very special working environment.

What are you most looking forward to?
Working with great organisations to help them reap the benefits of strong customer authentication. iProov is already working with the Department of Homeland Security here in the USA and that’s a great story that other public sector agencies and organisations can learn from. I’ve worked in technology for my whole career – I’ve got a technical background and I love solving business problems.

You’re British but you’ve lived in the US for ten years. Are you still an Englishman in Philadelphia, or is America home?
I love America. I still go back to the UK regularly to see family and watch my beloved Liverpool FC but I’ve lived here for a long time and I love it. iProov was born in the UK but is already helping US organisations to do business online more easily, so I get the best of both worlds in this new role. I’m looking forward to it!

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iProov DIACC webcast

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Identity Matters

1 January 2020

Identity Matters is the mini-series made for and by Identity Professionals.
iProov has rallied the best and brightest in the identity industry, to bring you quick and engaging thought-leadership.

I’d like to see more content like this

Think iProov can help you?

Start a conversation to discuss digital identity

This episode’s Highlights

  • The role of Digital Identity during COVID19
  • Scaling inclusivity and accessibility
  • Encouraging widespread adoption

A big thank you to our guest

Joni Brennan, President of the Digital Identification and Authentication Council of Canada (DIACC).

 

Beyond 2020: Scaling Digital Identity

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Genuine Presence: The three tiers of security

12 December 2019

You’ve probably heard the term ‘Liveness’ used within the authentication market. But have you heard of ‘Genuine Presence’? At iProov we use the term genuine presence a lot (and not just because we coined it.) It’s printed on our leaflets, our swag… we’ve even had #genuinepresence printed on t-shirts.

Why does Genuine Presence matter?
Determining Genuine Presence is critical to safeguard digital identity. Without Genuine Presence assurance, mass fraudulent authentication claims can and will be passed. Undetectable attacks will be scaled and digital identity compromised.

What does Genuine Presence mean?
Online Biometric Authentication boils down three tiers of security.
The success of secure biometric authentication is determined by a combination of:
– Matching – is this the right person?

– Liveness – is this a real person?

– Real-Time – is this transaction happening right now?

‘Genuine Presence’ refers to solutions that combine all three tiers. While the majority of the market is still grappling with Liveness – cyber attackers are exploring new, scalable forms of attack that bypass Liveness detection.

So, let’s break down Genuine Presence… tier by tier.

Matching, the ‘Right Person’

‘Matching’ is self-explanatory. Matching technology simply matches one set of biometric data to another, to verify the sets of data come from the same person.

Face Matching was first approached in 1964 by a scientist named Bledsoe. His process involved manually entering the coordinates at an average rate of 40 images an hour. We’ve come a long way from there – now matching is a heavily saturated market, with even the most sophisticated face matchers costing as little as 1 cent per match.
Face Matching has been used for surveillance use cases since the late 90s, but more recently Face Matching has been leveraged for Authentication.

Think of setting up a new bank account at home. Instead of going to the branch with your ID in person, with Matching technology you can simply take a picture of your ID and then a selfie. The two images are matched against each other to prove you are in fact the right person.
However, with the increase in face matching for remote, online authentication comes an increase in the exploitation of face matching systems. By now, a lot of people have seen the infamous examples of unlocking the Face Authentication capabilities on smartphones with simply a photo of the device’s owner.

Cue the need for Liveness Detection.

Liveness Detection, the ‘Real Person’

Liveness Detection attempts to verify that we are looking at ‘live user’ by defending against Presentation Attacks. A Presentation Attack is an attempt to pass a fraudulent identity as legitimate, by physically presenting something to a sensor.

In other words, Liveness detection differentiates the real users from the photos, masks and on-screen videos. Liveness detection tells us a user is a Real Person.

There are many methods of doing this – although systems can generally be broken down into two categories:

-Gesture driven (Active systems)

-Technology driven (Passive systems)

Gesture driven Liveness requires the user to perform a series of unnatural actions to prove that they are real, e.g. blinking or facial movements. Our research shows this approach takes a user on average 2.4 attempts to complete a transaction.

Technology driven Liveness requires no action from the user, instead using internal algorithms to detect spoofs. This approach takes a user on average 1.1 attempts to complete a transaction.

There was a time when a system differentiating a real face from a highly engineered mask was an impressive feat. However, we have entered a new era of identity spoof attacks. Dangerous cyber attackers don’t spend their time holding photos up to a camera. Presentation Attacks are just a small subset of the attacks that can be launched against a system.

Real-Time Detection, the ‘Right Now’

Real-Time Detection is the next tier of security in online biometric authentication. It is the final step to ensure that you are dealing with a user that is genuinely present, by defending against not only Presentation Attacks, but Replay Attacks.

But what is a replay attack? 

Say you perform a successful authentication transaction on your mobile phone. There could easily be malware on your device that you are unaware of. Such malware could record your authentication claim without your knowledge.

A cyberattacker now owns a video of you successfully authenticating.  Now, they can bypass the sensor completely (in this case the phone camera) and inject your previous successful claim directly into the app whenever they want.

This form of attack will pass all Liveness defence.

But how?
Because the claim is not of a mask, a photo or a video. The claim is of a real person, really authenticating. However, they are NOT authenticating right now.

Equally as dangerous is the emergence of Deepfake technology. Realistic synthetic videos of your face can be generated from your social media photos – synthetic imagery that Liveness detection is not equipped to deal with. Such synthetic imagery can be generated in real-time and can also be used to bypass the system’s sensors. Deepfakes can be made easily on free-download apps.

These forms of attacks are low-cost and scalable – two qualities that are very appealing to cyber attackers. These attacks are among the most dangerous and the least defended against.

It’s only a matter of time until these attacks are widespread. Will your systems be equipped to identify them?

Genuine Presence Assurance is critical to safeguard digital identity. We won’t stop talking about Genuine Presence until it is the expected standard of security. We also won’t stop innovating. Existing at the cutting edge of authentication – always a step ahead of the latest dynamic threat.

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The Replay Challenge

21 November 2019

Written by Andrew Bud, CEO & Founder

When we founded iProov in 2011, it seemed obvious to us that “replay attacks” would be amongst the most dangerous threats to face verification.  These occur when an app, device, communications link or store is compromised and video imagery of a victim is stolen; the stolen imagery is subsequently used to impersonate a victim.  Right from the start, we designed our system to be strongly resilient to this hazard. However, only now is the market beginning to understand the danger of replay attacks.

So, what is a replay attack and how can it be resisted?

A dwindling number of people still believe that face recognition is the key to the security of face verification.  It isn’t. In practical terms, it would be foolish of a criminal to try to impersonate a victim by trying to look like them – it is incredibly difficult to do and so unlikely to succeed that it is almost pointless.  Since our faces are all public and easy to copy, it is far more effective to present imagery of the victim. Most industry protagonists still focus on artefact copies – photos, screen imagery (stills or videos) or masks.  Lots of energy is spent on masks. Real-f Co., based in Japan, creates some of the most realistic masks available – the skin pore texture is perfect and even the tear-ducts glisten. Although they are visually compelling, such artworks can cost $10,000. Masks are not a scalable way to economically attack large numbers of victims.  Of course, robust detection of masks is essential, but there are bigger dangers.

If an attacker can implant malware on a user device, for example by getting users to click on a rogue link, such malware can potentially gain access to the imagery captured by apps on the device.  This is true of all apps, no matter how strongly they have been armoured. App hardening measures don’t block attacks, they simply increase the effort the attacker must invest to succeed. And if the prize is access to millions of devices, the business drivers to do so are compelling.  This is why, at iProov, we never rely on the integrity of the device. Once stolen, the video will be replayed digitally into a malicious device, bypassing the camera and never appearing on a screen at all.

That’s why our core Flashmark technology makes every verification video unique. Flashmark illuminates  the user’s face with a one-time sequence of colours from the device screen. The illuminated face is what we call a “one-time biometric”.  Like a one-time passcode, the number sent by text message to authenticate to many secure services, it is obsolete as soon as it is used and is worthless if stolen.  Any malware or attack that attempts to steal a Flashmarked face video finds that it is totally useless – with the wrong colour sequence on the face, it is immediately detected and rejected.  This same technology also provides the industry’s only strong defence against animated stills, synthetic videos and Deepfakes, a threat iProov has highlighted for several years.

The great advantage of this technology is that it is extremely usable.  Other methods of replay defence destroy usability by bombarding the user with increasingly baffling instructions to move their head one way, then their phone another way,  then recite numbers etc. Very often, they fail because users don’t do as they are told or because quite simply it is impossible to understand the instructions. iProov Flashmark is entirely passive – no action is required from the user, so transaction success rates are uniquely high.

The suggestion that user devices are impervious, or that mobile apps can be made incorruptible, is misleading and dangerous.  We believe that at the heart of good biometric security lies the ability to detect and deflect attacks based on replayed stolen recordings and other digital imagery, directly injected into the dataflow.  Anything less lets down enterprises and their users.

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HTML5 v2.Beta

19 September 2019

We are pleased to make our HTML5 V2 Beta client publicly available on GitHub here.

Many of our partners and customers have been building web journeys for desktop, tablet and mobile. These sit alongside native applications as a major channel for user interactions.

Yet securing user identity in HTML5 is incredibly difficult. The browser platform is inherently less secure than native applications. Not only can you not trust the presented object in front of the camera, but you cannot trust the camera pipeline itself. Virtual webcams are available for free.  Anyone can inject fake video directly into a browser, which has no way to detect the source of the imagery feed.

iProov addresses this problem by fundamentally distrusting the imagery pipeline. iProov operates under the assumption that every authentication claim could be a fake video that has been injected directly into the browser. Our FlashMark technology creates a   “one time biometric” for every transaction which cannot be replayed or generated in real-time. We’ve summarised our thoughts on dealing with both PAD and “RAD” – Replay Attack Detection – here.

However, in solving this critical security challenge, we must address a new set of technical challenges. iProov work at the innovative edge of browser capabilities, often making use of browser features which have only been released in the last 12 months. Since we launched our HTML5 v1  client we have been diligently and vigorously testing in varied environments to improve: user experience, operating boundary,, ease of integration and platform and device compatibility

New features available in v2 (NextGen)

The new version of HTML5 has been completely rewritten with an improved architecture for greater extensibility. Key features include:

User experience
  • Utilisation of user’s GPU to render the abstracted face
  • Improved filter algorithms to add more depth to the abstracted face
  • Added scan line to enhance the scanning experience
  • Replaced starting countdown with progress indicator
  • Added fade effects to polish user experience
Operating boundary
  • Improved video encoding to enhance FlashMark detection
  • Better synchronisation of FlashMark encoded frames
  • Enhanced algorithms to extract the video FlashMark
  • Greater control over the camera settings
Ease of integration
  • Greater control over the content presented to the user
  • Improved camera permission management
  • More configuration options to increase customisation
  • New language management and override system
Platform compatibility
  • Added support for all browsers that provide access to the camera
  • Mobile-first approach with responsive design
  • Support for compatible iOS, Android and desktop browsers
  • Ability to launch iProov app or SDK when embedded within a WebView
Device compatibility
  • New highly performant face detector enables  better support on low end devices
  • Dynamic detection and utilisation of hardware accelerated functionality
  • Improved performance allowing a wider range of device support

HTML5 V1 is not currently being deprecated, and we will continue to support existing commercial implementations of V1 . While V2 remains in Beta while we deploy further features, we recommend partners to integrate V2 Beta for any current or upcoming implementations ahead of its stable release.

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The Deepfake Age: Who gatekeeps digital trust?

19 September 2019

Written by Jim Brenner, Research Scientist 

As deepfakes continue to alarm journalists, politicians and pretty much anyone who dares participate in 2019’s digital-media-ruled society, many are looking beyond the J-Law/Steve Buscemi mashups and Trump/Dr. Evil sketches. Fears of a dystopian future in which we have lost complete trust in our physical senses are becoming increasingly real. Currently, researchers, governments and tech companies are wrestling with the very real threat posed by this AI-generated imagery, investigating how we might protect ourselves from future attacks of visual misinformation.

So far, identifying deepfakes has been reliant upon finding visual cues in synthetic imagery that doesn’t match the real deal. For example, a recent study extracted distinctive facial expressions from world leaders to determine the real imagery from the fake. However such approaches are somewhat of a cat and mouse struggle. When a new way to identify deepfakes is developed, deepfakers simply train models to combat them. In fact, as I was drafting this post, a new technique of expression style-transfer was published which will potentially make it much harder to detect deepfakes in this manner.

The general discourse instead seems to have shifted towards establishing trusted sources that we can rely on to feedback truthful information. This trend perhaps comes as no surprise to anyone who has followed the constant evolution of forgery over the past couple of centuries.

Traditional media corporations and newspapers are easy to single out as candidates for these “gatekeepers of truth.” At least in the context of attacks of political misinformation, something that is generally viewed as one of the most daunting and immediate threats posed from deepfake technology. However, one of the less frequently discussed threats (but potentially much more dangerous) is in digital authentication – and the potential arbiters of truth here are less obvious.

Any form of remote biometric authentication system (not just facial) is potentially vulnerable to deepfake attacks. After all, if I can realistically transfer someone else’s face onto mine, it isn’t too much of a leap to do the same for their hands or their eyes or indeed other more subtle biometric cues. Given the right data and a sensible approach, these techniques are easy to transfer. As the trajectory of authentication heads inevitably towards digital and autonomous systems, this is a reality we must face.

Whilst purely visual-based classification of deepfakes is unlikely to be viable for much longer, by controlling the whole capture process, we can develop more sophisticated methods for detection. iProov’s patented Flashmark technology is a direct solution to this issue; by illuminating the user’s face with a unique randomly-generated sequence of colours we can detect whether the person behind the camera is not just the correct person, but also actually present.

By being involved in the capture process in this way, iProov can act as a trusted source of identity (much like a media company can act as a trusted source of news). So whether it’s a deepfake or another form of identity spoofing, iProov ensures a fraudulent identity can’t be passed as legitimate.

 

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PAD is not enough… Biometric security needs RAD

30 August 2019

Presentation Attack Detection or “PAD” is increasingly a hot topic within the biometrics industry. While this is definitely a step in the right direction,  cyber-thieves are still diligently exploiting security gaps in identity proofing and strong customer authentication. Exclusive focus on presentation attacks alone fails to address vulnerabilities to other forms of identity spoofing.

This article will illustrate how PAD alone does not guarantee biometric security.  CSOs and Compliance leads must also consider Replay Attack Detection or RAD.

What’s PAD?

Biometric factors like your face, fingerprint, palm or iris are inherently different to passwords. This is because their security is not reliant on secrecy. You can find a copy of my face on LinkedIn or Facebook in 3 clicks. You could print out a picture of my face and present it to a face authentication system. If spoofing identity was simply a case of matching my face with the image being presented, my digital identity would be incredibly unsafe. Rather, biometric security relies on accurately matching a biometric that is genuinely present: the real face. PAD addresses the need for biometric matching to check whether the object that is presented to the sensor is the real biometric as opposed to a physical replica.

Effective PAD will stop someone printing a photo of my face and holding it in front of my phone’s camera most of the time. It might even stop a $10,000 mask that was made by artisans in Japan using a 3D scan of my face.

The problem is that there are few identity fraud scenarios where the benefit of spoofing someone’s identity is worth the cost of creating a sophisticated mask. The real objective for cyber thieves is to find scalable, low-cost attack vectors which can be rolled out globally across large volumes of victims.

What’s the problem with PAD alone?

There is an additional but equally critical challenge for biometric security:  ensuring there has been no interference from the sensor to the decision processing unit.

What if there is malware affecting the user’s device software, or even a full hardware hack? For remote and unsupervised users on their mobile phones, there is always this risk of device compromise.

Browser-based biometric security methods are particularly vulnerable to camera pipeline hijack. This is because the operating system has no control over access to the real camera. Virtual webcam freeware allows users to inject imagery into the application whose real source is totally indistinguishable to the application.

In these cases, the digital service provider cannot be sure exactly how or when the information that reaches its servers was recorded. This means that imagery could be recorded from a successful claim, then retained. At the right moment, that image or video is injected into the application or directly into the network server connection – bypassing the camera entirely. This is a replay attack and it would pass any PAD security. A replay attack is qualitatively indistinguishable from a video of a genuine biometric.

Similarly, device malware can record imagery from the device camera during a successful authentication claim and later be replayed programmatically. This method is incredibly attractive for cyber thieves as it is easily scalable. Once the exploit has been found to work, it can be scaled to thousands of users with minimal incremental cost.

To summarise, PAD fails to addresses the question: “Is this a real authentication, recorded right now?” Biometrics with PAD alone cannot determine that a user is genuinely present at the moment of completing the transaction.

What’s RAD?

Replay Attack Detection is an approach that ensures each authentication claim is unique. Therefore a claim is invalid after the first instance it is processed.

RAD must ensure a claim is unique with a codespace of random variables.  These variables must have a large enough range, that they are not susceptible to brute force attacks (retrying a number of variations until the replay version is successful.)Copy_of_Genuine_Presence_Assurance_2.png

Simultaneously, making a claim unique must not put onus on the user to do something unique and different each time. Reliance on user interaction to create a unique authentication claim vastly reduces completion rates. Users frequently misunderstand instructions, resulting in a high rate of rejection of correct users and therefore user-drop outs.

iProov takes a different approach by timestamping every claim with a passive “FlashMark”. Using the device screen we project a sequence of colours on the user’s face. We then analyse the video to test whether the claim is real or replayed. With a codespace of over 1,000,000 possible combinations, no user will ever receive the same FlashMark twice.

PAD has become topical in recent years. Standards for PAD testing like ISO 30107 and NIST have been introduced.  iProov has been found to conform to such standards by the National Physical Laboratory, who found iProov’s PAD technology “state of the art”. At iProov, we’re thrilled that the market is now demanding biometric security which goes beyond accurate matching. However, we will continue to push the boundary and address the holistic security challenges the market is yet to focus on… because those are the security challenges on which the cybercriminals are focused.

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Identity in the Digital World

8 August 2019

In a world where most transactions are digital, remote and involve fewer and fewer personal interactions, identity is really important.

We use digital accounts to access everything from groceries to border control, from phone apps to pension statements. At the same time, organisations such as retailers, banks and government departments try to learn as much about you as possible to provide the most personalised experience, whether it be for commercial loyalty-card data capture, citizen security or Know-Your-Customer regulatory obligations.

Commonly, data is combined into a ‘profile’ of the individual. A profile which then represents the customer in the systems, and balance-sheets of organisations.  You provide your data to an organisation you want to interact with, subsequently creating a ‘profile’ that is used to authorise, secure, track and enable your activity.

However, what if your data is compromised? How are organisations protecting the data you entrust them with?

Traditionally, organisations gatekeep data with the likes of passwords, pin codes or security questions. Asking you to prove your identity by supplying information only you could know. But this information can be compromised, stolen or forgotten. Passwords etc are ultimately not very secure and are annoying for the end-user. However, with the arrival of biometric solutions, this approach to gatekeeping data can be revamped.

When customer profiles are tied together by a robust, secure biometric, instead of something like a password, the emphasis switches from information that the user knows to being driven by what they actually are. The best biometric for this use case is the face, as it not only proves your identity but ties you to your legal identity. The Face is the only biometric that is found on government issues documents (passports, driver’s licences etc.)

With this in mind, and using technology such as iProov, I can now use my face to assert my identity, and my genuine presence, to request access to the products or services I’m looking for. I’m essentially saying “I’m a real person, I’m the right person, and I’m here right now, let me progress/enter/transact…”

By asserting my identity with biometrics, digital transactions and digital profiles can evolve from relying on passwords to true identities. These ‘Digital Identities’ can then be applied across multiple services, eliminating the need for remembering and using a separate set of credentials and shared secrets for each service.  Now, individuals need only one thing to assert who they are, their face, enabling them to engage more easily in the digital economy.

And how many of your customers would prefer to feel in control of their digital identity with an easy, and secure, customer experience?

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From leaky roof to a rooftop bar. The story behind our office move.

5 August 2019

iProov’s first permanent location was a cupboard-esque room at 39 York Road. Kindly described as ‘cosy’ by longstanding iProov team members. Unsurprisingly, very quickly we were bursting at the seams.

So we knocked down the wall and filled the new space with more desks. However, we had the luxurious problem of becoming a successful business. We found ourselves in a cycle of winning deals, expanding our team and running out of space. In total, we knocked down the wall four times.

39 York Road was a loving DIY project. We ripped up the stained blue carpets, replaced the orange filament lights with sparkling LEDs and built two new meeting rooms. ‘IKEA desk construction’ sessions became a Friday afternoon ritual when we had a fresh wave of recruits starting on Monday.

Although, the situation was still far from perfect. The iProov Amazon account was flooded with orders of electric heaters in the winter and desk fans in the summer. One corner of the office was renowned for leaking during particularly heavy rain. While this was ‘resolved’ with a succession of carefully placed buckets, there was nothing we could do about the steady and immensely annoying ‘drip….drip…….drip’ noise.

Actually getting to the office was also an ordeal. The building lifts were in a constant state of ‘Out of order. Sorry for any inconvenience.’ It was considered an in-house miracle if two lifts happened to be working simultaneously. Breathless climbs of 8 flights of stairs were more often than not, the quickest way up. Although far from dazzling, the office was sentimental. The place where we won our first customer, secured the first-ever overseas contract with the DHS, where we built iProov Palm Verifier and grew from fewer than eight employees to almost forty.

These achievements kept morale high and our team strong. Nothing knits people together like power drilling desks and mutual heatwave empathy in a building with no AC. Everyone at iProov believed in our mission, we were so focused on building and delivering the best product possible, we often forgot the ceiling leaked on us. There was a mutual understanding that this was a temporary ‘rough patch.’ The collective belief that iProov would ‘make it big’ was steadfast.

As if to reaffirm this faith, the construction of the shiny new WeWork headquarters began directly opposite 39 York Road. We secured a private space almost immediately, fully equipped with 5x the desk space, many meeting rooms and complimentary London skyline view. 2018 onwards was spent longingly gazing out of the window into the glamorous glass walls of our future office across the road. It was a gruelling 12-month countdown.

We left 39 York Road empty on the morning of the 22nd of July 2019. While the thought of never building another IKEA desk again is somewhat bittersweet, we are excited.

The iProov offices are now state of the art. We are a globally successful business, a reality that has been cemented by free barista coffee, beer on tap and lunchtime ‘puppy therapy’ sessions. Even the desks came pre-built and we are pleased to say the ceiling looks very robust!

There is now a renewed atmosphere of excitement (and not just because we’re feeling invigorated by our 8 am yoga class and cucumber water.) For us, this office move is a very real reminder of how far we have come.

This is a  new era for iProov. We will continue to research, innovate, build and preach the iProov philosophy with even more vigour. We are better equipped to tackle the market head-on.

Like the sound of it?

We’re recruiting.

(And now we won’t have to knock down any walls.)

A huge shoutout to Axel and Martin, the two team members who saw iProov through the move. 

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London: Global Fintech Capital…yet it’s impossible to set up a bank account.

18 July 2019

Written by Roel Baars.

I have recently moved to London for work from the Netherlands. In the highly innovative, fintech capital of the world, I expected opening a bank account to be an easy process. I was prepared for London life to be expensive but I didn’t anticipate how difficult it would be to open a bank account to actually pay for something.

First, I tried to sign up for an account online. I was prompted to complete the process over the phone. After several minutes on hold, an agent asked me to come to the local branch with my ID and a copy of my housing contract, a very laborious method of proving my address and identity.

At the branch, the clerk asked me for a utility bill for proof of address, which I could not provide as I had not received one for my new apartment.

…I decided to open an account at another bank.

This online application prompted me to submit a UK phone number, to link my account to my device and act as a critical ‘something you have’ factor for repeat authentication. However… to get a UK phone number, one needs a UK bank account.

So, I called my utility provider and asked for a bill. After a few weeks, I received my bill and took it to the local branch of the first bank. Finally, after hours on the phone, in the bank branch and after weeks of waiting, I was able to sign up for a UK bank account.

The whole process was gruelling. In the Netherlands, signing up for a new bank account is far simpler! Banks such as ING and Rabobank have completely digitised their customer onboarding journeys by leveraging iProov’s authentication technology. With iProov, customers can easily and securely sign up for a bank account from their sofas.

To conclude, I’m going to try and set a meeting for both of these British banks.

Connect with Roel: https://www.linkedin.com/in/roelbaars/

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iProov wins ‘Best of Show’ at Finovate Europe for the second year running

14 March 2019

Described as ‘the highest energy demo of the day’ by audience members, iProov’s 2019 Finovate Europe demo was voted ‘Best of Show’ for the second year running.

The 7-minute demo was delivered by CEO, Andrew Bud, and supported by our Product Manager, Gabriel Turner.

The demo kicked off with a recap of our award-winning technologies that are currently live and in production: Face Verifier and ID Matcher.

We showcased Face Verifier for strong customer authentication and ID Matcher for secure customer onboarding. During our demonstration of ID matcher, we were delighted to announce Microblink as our latest document capture partner. Together, we look forward to creating seamless customer onboarding journeys with staggering completion rates.

Last but not least… we unveiled our latest innovation.

iProov Palm Verifier.

Palm Verifier offers highly secure authentication using an alternative biometric. Like our face-based products, Palm Verifier is supremely simple to use and requires no specialist hardware.

The product leverages our distinct Flashmark technology to check for the genuine presence of a 3D palm and protect against identity spoof attacks.

We are delighted to add another ‘Best of Show’ trophy to our collection and excited to be shaping the market with our latest innovation!

Watch the full demo here.

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iProov Wins Finovate Best of Show 2018

26 April 2018

iProov was selected for the second year running to present its novel technology at Finovate Europe 2018, and walked away with the Best of Show award. The meticulously choreographed 7 min live demo was delivered by iProov CEO Andrew Bud with support from Matthew Pearch, iProov’s Commercial Director.

iProov demonstrated the world’s first app-less network-based onboarding and authentication solution based on face verification and NFC-based contactless reading of documents. Exploiting recent advances in web and mobile OS technologies it enables financial institutions to deliver the full capabilities iProov via mobile web only to users without any prior app installation.

Also demoed was a new capability to use iProov on a personal device to authenticate any external event, including access attempts form a computer lacking a webcam or video permissions, authentication to an ATM without special hardware, or physical access without local hardware. This method, know as iProov Push and the subject of a recently granted UK patent, had not been demonstrated in public before.

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iProov SINET16 winner

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iProov SINET16 Winner

26 September 2017

iProov has been named one of the 2017 SINET16 Innovators!

Each year, SINET evaluates the technologies and products of hundreds of emerging Cybersecurity companies from all over the world, and selects the 16 most innovative and compelling companies. These 16 companies, known as the SINET 16 Innovators, are invited to present their products and solutions on stage in Washington D.C. at the annual SINET Showcase.

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Citi Announces Winners of the Tech for Integrity Challenge Demo Day in Singapore

14 June 2017

“Singapore – Citi is pleased to announce the three award recipients from Citi’s Tech for Integrity Challenge (T4I) Demo Day held June 9 in Singapore.

T4I is a landmark effort of Citi to encourage technology innovators from around the world to create cutting-edge solutions to promote integrity, accountability and transparency in the public sector and beyond. Awards accorded to the winners include a total of US$5.5 million in kind and cash for the global Challenge

The award recipients from the Singapore Demo Day include:

  • T4I Award – iProov, London, United Kingdom The iProov Verifier solution secures online authentication using face matching, uniquely protected from replicas and replays with patented One Time Biometric technology.
  • Peer Choice Award – identitii, Sydney, Australia, and iProov, London, United Kingdom identitii helps banks share information over existing financial messaging systems like SWIFT to improve financial crime compliance.
    The iProov Verifier – please see above
  • Audience Choice Award – Sqreem Technologies & Synechron, Singapore
    Sqreem fuses structured and unstructured data to provide an early warning system for anomalous behavior that may indicate financial crime. “

Read the Full Article

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Acuity Brings Biometric Debate to K(NO)W Identity Conference

17 May 2017

iProov’s Founder & CEO Andrew Bud spoke at the  K(NO)W Identity Conference as part of the ‘Convenience, Security, And The Next Step For Biometrics’ panel hosted by Acuity Principal Maxine Most on day two of the event.

“The inaugural K(NO)W Identity Conference is underway in Washington, DC, and as one would expect from an event aimed at shaping the future of identity, biometrics are playing a major role. Biometric authentication is being taken for granted in many of the conversations occurring at K(NO)W, often with fingerprint authentication on a smartphone mentioned as a run-of-the-mill login option, but when it comes to the deep discussions on biometrics, research firm Acuity Market Intelligence is doing much of the heavy lifting.”

Read the Full Article

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Citi Tech for Integrity (T4I) Challenge 2017

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Citi Unveils Finalists to Showcase Integrity Solutions to Citi & Ally Executives, Government Entities & Special Guests

12 May 2017

“Announced in February 2017, Citi Tech for Integrity (T4I) Challenge a global initiative to source solutions to promote integrity, accountability, and transparency in the public sector – brought together 80+ allies and contributors including governments, regulators, Fortune 500 Tech companies, international NGOs, and local allies.”

“The T4I Strategic Allies include PwC, IBM, Mastercard, Let’s Talk Payments, Microsoft, Facebook and Clifford Chance. The T4I Government Sector Allies include Abu Dhabi Global Market (ADGM), the Indian government’s Ministry of Electronics and Information Technology, Monetary Authority of Singapore (MAS), Mexico Digital, and the Government of Argentina.

Approaching the culmination of the challenge, Citi is proud to unveil 103 finalist solutions in EMEA, APAC and LATAM regions that will present at the Demo Days and showcase their integrity solutions to Citi executives, ally executives, government entities and special guests in six locations around the world.”

iProov will be presenting at the Citi T4I Demo Day in Singapore June 8–9 2017.

Read the Full Article

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FCA TechSprint March 2017

21 March 2017

On the 14th & 15th of March, members of the iProov team participated in the 3rd two-day TechSprint organised by the Financial Conduct Authority (FCA) and hosted by PwC on the theme of “Money and Mental Health”.

The FCA is working with the Money and Mental Health Policy Institute to achieve real change by bringing together financial services and technology organisations, encouraging the industry to come up with practical innovative solutions that address the challenges faced by those with mental health problems and their financial services providers.

The solutions developed collaboratively over the two days by cross-organisational teams including developers and designers from iProov, Monzo, Aire, Hitachi Data Systems, Lloyds Banking Group and Nationwide Building Society included “the NIV-Bot” (a chat bot which allowed users to delegate access responsibility using iProov), “MoneyBuddy” (a solution to help enable better financial decisions, including a trusted buddy, user mood feedback, and improved user accessibility) and “Money Jars” (allowing users to set aside their fixed monthly costs in protected “jars”).

 

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CyberUK 2017 Roundup

20 March 2017

A very exciting three days for iProov at the NCSC’s CyberUK event! Held at the ACC Liverpool from 14-16 March, CyberUK is the Government’s biggest and most influential IA and Cyber Security event to date, hosted by the National Cyber Security Centre (NCSC).

Our team was busy showing the iProov Verifier solution for authentication and remote onboarding to delegates at our stand in the Innovation Zone (sponsored by the DCMS) of the conference.
On the first day, CEO & Founder Andrew Bud delivered a Dragon’s Den-style pitch (an initiative of the DCMS Cyber Security Growth team) to the NCSC’s Dr. Ian Levy, Jon L and Rob T. After facing the “dragons’” questioning, iProov was chosen as the winner of the competition, which was announced by Ciaran Martin (Director, NCSC) during the conference.

The reward for the winner is assistance from the NCSC that will be tailored to suit the selected product or service. It could take the form of developing, assessing and piloting their product or service. It may include consultancy on the technology, targeted penetration testing of the product to improve its security, or potentially working with a government department to test deploy the offering.

After winning the competition, the iProov team also had the opportunity to give a 4-minute presentation on the conference’s Spotlight Stage during the networking evening of day 2 and was featured on BBC Radio4’s You&Yours and itv’s Good Morning Britain.

CyberUK iProov Media

Here are the links to some of the highlights:
NCSC Blog Post “In the Den with the Dragons”
NCSC News “Cyber Security summit closes with commitment to a more diverse future”
ComputerWeekly.com “NCSC commits to greater diversity”
Wookbox.com “NCSC devotes to higher variety”
BBC Radio4 You&Yours “Cyber UK, Mobile phone charges, Granny chic”

Read more about CyberUK

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Finovate Europe 2017 Roundup

14 February 2017

Two very exciting days at Finovate Europe in London for the iProov team:

Our first live demonstration was of the BT Agile Bank prototype app, which is currently in BT’s Innovation Showcase in Adastral Park. Here, the iProov SDK was seamlessly integrated into the banking app for simple and secure account login purposes. It then repelled an attack with a retina video of Matthew blinking and smiling.

Mobile iOS data vault application FaceCrypt was demonstrated next. This app, which is available on the App Store today, uses iProov to protect access to sensitive personal data such as passwords and credit card numbers.

The final live demonstration showed a revolutionary mobile onboarding app in action.  Armed only with a passport and an Android phone, DNB Innovation Lead Ronny Khan showed how a user can be securely verified for KYC/AML purposes.  This app, which generated enormous interest, was developed using the ReadID product of our partner, Dutch ID document experts InnoValor.

DNB app demo screen

Using InnoValor’s ReadID technology to scan the MRZ information and read the embedded NFC chip of the passport, the thus obtained high-quality image of the passport holder is used to authenticate against an iProov selfie capture to make sure that the correct person is physically present for the onboarding process.

A video of the whole 7-minute presentation coming soon, but in the meanwhile you can see the onboarding demo at the link below:

Watch the onboarding demo

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The future of banking security: take a glimpse at the BT Adastral research centre

8 February 2017

iProov showcased their unique biometric antispoofing technology to Techworld at the BT Adastral Park research centre in Suffolk.

“The business of banks relies on keeping savings safe, but hackers are finding ever more sophisticated methods to access them.

Swindlers stole £755 million across payment cards, remote banking and cheques in 2015 according to Financial Fraud Action UK, an increase of 26 per cent compared to 2014. The declining cost of technology is lowering the barriers to entry for budding fraudsters, while emerging technologies give them new methods of theft.”

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iProov @ WIRED Security

20 October 2016

“Meet the hottest security startups making the web a safer place to be”

iProov CEO speaking at the Wired Security mainstage about the challenges facing biometric technology.

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iProov wins the FinTech Innovation Challenge by SONY

21 June 2016

iProov to commence with PoC project within Sony Corporation

The winning solution is Verifier, iProov’s next generation strong authentication service. It combines great simplicity of use with very high levels of security, in a cloud-based authentication-as-a-service solution that works on mobile devices and Windows computers.

Download Press Release

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iProov @ the FCA TechSprint

30 May 2016

In April 2016 iProov took part in a 2-day technology idea and innovation TechSprint event hosted by the FCA. The Financial Conduct Authority brought together leading financial organisations, regulators and FinTech companies to collaboratively develop solutions around financial inclusion and making banking more accessible.
The event was held to support an Occasional Paper on ‘Access to Financial Services in the UK’, which was published on 24 May 2016.

“In April 2016, the FCA brought together a group of financial services and technology firms along with consumer groups for a ‘TechSprint’ event. Each development team was given 48 hours to come up with a prototype solution to overcome seemingly intractable access barriers.Organisations taking part included peer-to-peer lender Funding Circle, FinTech firm iProov, technological innovator HCL, Lloyds Banking Group and Visa. Judges included representatives from the FCA, Post Office and Fidor Bank. In direct opposition to normal commercial principles, the vast majority of TechSprint participants chose to create cross-organisational teams to maximise knowledge, experience and creativity. Freed from any one commercial perspective, business or technological model, the resulting solutions were framed entirely from the consumer’s perspective. The developed solutions ranged from working models to mobile, tablet and laptop applications that were virtually ready to use. Prototypes included advanced facial recognition, voice recognition with speech playback and a multi-lingual capability and simplified command buttons to help make services easier and simpler to use. Personal control over individual identity and data also featured strongly.” (FCA, Occasional Paper 17, 2016)

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Il conto, la tua voce

18 April 2016

An article discussing the use of biometric technology for banking published in nòva Il Sole 24 Ore (in Italian).

“Riconoscimento biometrico degli utenti e semplificazione dei servizi e delle app. La banca “distribuita” che arriverà ad avere una sola app per fare tutto, senza passaggi autorizzativi, richiede un maggior livello di sicurezza. Ci sono banche che già utilizzano il riconosciemento vocale o facciale.”

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iProov Verifier selected as the winner for the CyberSecurity & Biometrics category of the KPMG FINTECH INNOVATION CHALLEGE

21 January 2016

“The KPMG FinTech Innovation Challenge was launched with the intention to source six groundbreaking FinTech innovations to match with multiple financial institutions at the FinTech Innovation Summit, hosted by KPMG in London from 10-11 February 2016.

This is the second annual summit arranged by Matchi to promote collaboration and innovation between both FinTech firms and financial institutions. Confirmed summit participants include Caixa Bank (Spain), Bank Hapoalim (Israel), Rabobank (Holland), Nationwide (UK), Standard Bank (Africa), Westpac (Australia), AIB (Ireland) and Liberty Group (South Africa).”

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iProov named finalist for the 2015 MEFFY Consumer Trust Award

10 September 2015

iProov, the world leader in user-friendly, highly secure authentication on mobile devices, has been named a Finalist in the prestigious international MEFFY awards for its Verifier service.

The success recognises iProov’s contribution to user trust by authenticating users to extremely high standards of security whilst delivering an exceptionally easy, simple and accessible user experience. iProov uses a unique combination of high-performance face verification and its patented protection against all types of spoof and forgery. Its authentication service is used by enterprises including financial services providers, healthcare operators and entertainment majors.

The Awards, now in their 12th year, reward innovation and recognise commercial success across the mobile ecosystem. Judged by an independent panel of 40 journalists, analysts, accelerators and VCs from around the globe, the winners will be announced at a glittering gala dinner on October 19th 2015 in London.

The other shortlisted finalist for the Consumer Trust Award are AVG, F-Secure, the International Age Rating Coalition (IARC) and Smart e-Money.

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Technology Should Be Smarter Than This!

12 October 2014

A Vision for Overcoming the Great Authentication Fatigue

By Professor Angela Sasse

Security researchers identified 15 years ago that passwords create too much of a burden on users. But despite much research activity on alternative authentication mechanisms, there has been very little change for users in practice, and the implications for individual and organisations productivity are now severe. I argue that – rather than looking for alternative ‘front-end’ solutions, we must re-think the nature of authentication: we must drastically reduce the number of explicit authentication events users have to participate in, and use advanced technologies to implicitly authenticate users, without disrupting their productive activity.

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