November 24 2022
Imagine that you need to apply for a new bank account. Would you rather:
For most consumers, the speed and convenience of completing tasks online would win every time. But some tasks require security checks — for example, if you’re applying for a loan, government benefits, or for a visa to enter another country, the bank or government needs to check that you are definitely who you say you are.
Remote biometric face verification provides the security check needed to enable consumers to enroll or onboard for these services quickly and conveniently online. But not all biometric face verification technologies deliver the same levels of assurance, security, or usability. Different technologies are suited to different use cases, as we’ll explain below.
Enrollment (also known as onboarding, account opening, or registration) simply means signing up a new customer to an account or service. Traditionally, if an enrollment process required an identity check — if the enrollment involved finances, for example — a member of staff would check the face of the person in front of them against that person’s photo ID.
Today, biometric face verification technology enables the enrollment process to be completed online from anywhere with an internet connection with greater accuracy than a human eye.
Remote identity checks at enrollment are critical. If identity checks are not completed properly, fraudsters can use someone else’s identity to sign up for credit cards, loans and other services in new account fraud. This means a lot of pain and hassle for the victim of identity theft, as well as financial loss for the organization. Criminals can also use synthetic identities where the identity doesn’t belong to a real person, but the financial loss to the organization can be enormous.
Enrollment is also a crucial part of compliance with KYC and AML regulations, too. The most important part of a customer’s lifecycle is enrollment – it’s where trust is initially established. Learn more about biometrics for KYC and AML here.
Secure enrollment is also necessary for subsequent authentication. To authenticate someone every time they use your website or app, you have to establish who they are during your first online interaction. If you enroll a fake person or someone using a stolen identity, this can have serious repercussions later on.
A successful digital enrollment process needs to balance several elements:
Face verification makes secure enrollment easy – it’s more convenient than in-person enrollment or sending documents physically or completing a video call.
Onboarding new customers begins either on the web, via mobile, or at an on-site kiosk. Individuals simply
Using iProov’s passive liveness detection solutions as part of the identity verification process, removes friction at the point of onboarding, leading to fewer attempts to succeed and higher pass rates.
Liveness detection is a component of biometric verification technology that ensures an online user is a real person. It detects whether the face being presented to the camera is from a live human being – as opposed to a recording, picture, or another non-living spoof. Without liveness technology, criminals could spoof the onboarding process with masks, photographs, and other presentation attacks. Additionally, liveness technology should defend against digital replay attacks or deepfakes that are physically presented on a screen.
Only iProov Genuine Presence Assurance® (GPA) can also ensure that the user is authenticating in real-time when they onboard, which is vital in protecting against highly scalable digitally injected attacks. Using patented Flashmark™ technology, a one-time biometric code is created which cannot be replicated.
GPA is recommended for enrollment because initial user onboarding is a high-risk action – you don’t know anything about the user or their risk until you have enrolled them, so it’s important to start off with the higest level of security so you are not onboarding a criminal.
Remember: trust established at onboarding will carry through the customer lifecycle.
iProov Genuine Presence Assurance technology delivers:
Enabling organizations to: