When it comes to choosing a biometric liveness detection vendor for remote digital onboarding or authentication, there are several factors to consider. Reliability, speed, the user experience and above all third-party presentation attack detection (PAD) testing for anti-spoofing.
PAD testing is essential because a great many active liveness solutions actually do not work efficiently. Active liveness causes too much hassle for end users. It is assumed that to prove someone’s identity and also check whether it is in fact a real person, some vendors believe that you have to challenge the end user to perform a task. Typically, these calls to action involve moving the device around, nodding your head left and right, smiling or following dots round a screen. A number of onboarding studies have shown that this causes abandonment in the customer flow.
When onboarding new customers, the biggest problem is that customers are either confused with all the different active challenges and give up, or struggle with the instructions on what they have to do. When you are presented for the first time with this kind of request, it is extremely off-putting to the average internet user or mobile banking customer! Furthermore, fraudsters have also found clever ways to by-pass these methods with fake photos, videos and masks, making it less secure. Trust is fundamental and proving that a real person is being presented is critical whether it is for digital onboarding or authentication.
Imagine having to perform one of these gimmicks each time a step-up authentication process is required for high risk payments. This is where a fully passive liveness approach will ease the authentication journey. Passive means that the user does not need to do anything other than take a selfie image. It is very straight forward wh ..
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