Fighting modern account takeover threats while offering a first-class user experience Sponsored by jumio
of consumers are already comfortable using biometric authentication today. This trend has been accelerated by the broad adoption and familiarity of facial recognition integrated within the most popular smartphones, such as Apple Face ID. However, it is important to understand that Apple’s Face ID, and similar technology installed on industry leading smartphones, are not the answer to prevent the increasing levels of fraud due to their lack of a government-approved trust anchor.
Nor should organisations be opting for the most basic biometric-based authentication solution. Due to the sophistication of cybercriminals, some face-based biometric authentication solutions can easily be tricked by the use ofor high-quality masks. Financial organisations therefore need to adopt solutions with certified liveness detection if they want to be assured of security.
These solutions capture a 3D face map using a standard 2D camera. Then, when future authentication is required, either for day-to-day account access or to authorise a high-risk transaction, the user captures a fresh selfie and a fresh 3D face map is recreated and compared to the original 3D face map and trust anchor for instant authentication. It’s this ability to constantly re-authenticate a user that makes face-based biometric solutions with certified liveness detection so secure.
However, the latest face-based biometric verification solutions have the ability to notify a user in real-time of these environmental factors that result in an image capture that is unusable and results in a rejected identity verification transaction and advise how they can course correct and retake the image.
As more of our important financial interactions move online, financial services organisations must look to biometric-based identity verification and authentication solutions that protect them from the many forms of fraud, including ATO and credential stuffing. However, this cannot come at the expense of customer experience, because it will lead to a drop in conversion rates.
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