Liveness detection provides security against identity fraud

Mitek’s extended Liveness Detection provides customers with additional security against identity fraud, while ensuring a simple and seamless consumer experience - regardless of their preferred channel.

A person submits an identity document along with a single selfie image to verify their identity, which are analysed for facial comparison and composition such as texture, lighting and other factors to detect any form of impersonation. A multi-layered approach simultaneously evaluates for printed photos, video replays, low quality and realistic silicone masks, doll and mannequin faces. In beta tests, customers saw significant improvements in detecting impersonation attempts.

“Increasingly, your digital identity is your gateway to everything you do in both the digital and physical worlds. It’s how you buy goods, send and receive money, and even exchange notes with your doctor,” said Stephen Ritter, Chief Technology Officer at Mitek. “Mitek is setting the standard for digital identity verification, enabling enterprises to provide the highest level of security and convenience for consumers everywhere they need it.”

While alternative solutions with in-app Liveness Detection offer protection from fraud threats, these often lack safeguards for web browsers. That leavesmore than 37% of consumers who most often interact with their banking accounts through the bank’s website vulnerable to attack.

The growth of new, more sophisticated forgery technologies like deepfakes means standard image analysis on these websites is no longer enough to verify identity. Omnichannel Liveness Detection helps to close the security gap on web channels by preventing hackers from gaining easy access.

“Liveness Detection completes the identity verification flow, while at the same time ensuring a positive customer experience,” said Brian Swanson, Executive Vice President, Head of Consumer Bank at Axos Bank. “At the end of the day, it’s about creating that mutual, deep-trusted customer relationship.”

Omnichannel Liveness Detection is offered within Mitek’s facial comparison technology. Mitek’s solutions include Liveness Detection technology with Level 1 Presentation Attack Detection (PAD) Conformance Testing by iBeta and is ISO/IEC 30107-3 compliant.