Know Why Is Liveness Detection Beneficial For Biometric Systems

It is now more important than ever before to conduct effective identity verification, considering that the majority of financial institutions are moving toward the use of remote onboarding as well as full-cycle digital services.

The evolution of biometric technology has led to the development of increasingly sophisticated spoofing techniques. Authentication using a fingerprint was considered a new and cutting-edge technology when it was first introduced twenty years ago. It’s become the standard practice now. On top of that, this norm may be readily broken with playthings like Play-Doh or silicone masks. Both of these things are toys. Liveness detection is the only thing that can protect users from presentation assaults (PAs) in the finance industry. Continue reading this post, but before you do, check to see if the banking software you use makes use of biometric liveness algorithms.

The following are some examples of presentation attacks:

Attacks using photos or videos Fraudsters can acquire access to a photo or video by conducting a simple search on Google or by logging into the social media profile of an individual.

Synthetic video, also known as deepfake: Fraudsters start with either a photograph or a video and then use animation software to modify it so that it appears as though the subject is talking as well as bobbing their head.

Model or three-dimensional mask: Con artists may often spend money on models or masks that could be customized to seem like a certain person in order to commit fraud.

Active and passive integration are the two primary approaches

In modern biometric systems, the active face liveness option is used more frequently than any other available choice. Users are presented with a job to accomplish, such as turning their head, blinking, or smiling, as well as the system waiting for them to finish before moving on to the next user. The system will occasionally randomize these activities in order to protect itself from the creation of a video showing a user carrying out the specified acts. You can know more about this from the experts online.

On the other hand, there is a risk that the active liveness of the content might make the user’s experience more confusing and perhaps less confusing. This is due, in part, to the fact that there really is no universal industry standard among active liveness programs. That’s because active liveness solutions might call for the completion of a wide variety of distinct functions. Companies run the danger of introducing an unfamiliar and cumbersome step if there isn’t a consistent standard. This creates unnecessary friction, which irritates consumers and leads to an increase in desertion, particularly among new customers who just don’t comprehend why certain steps are essential. To a large extent, any interruption that users perceive as a result of active face liveness may be mitigated by clearly conveying the reasons why these activities are essential.

A method of detecting fraud called passive liveness detection does not need the user to do any particular activities in order to function properly. In most cases, only a single photo is captured, and artificial intelligence is used to conduct the analysis. The most frequent ways include recording the entire session on film or flashing lights just on the subject in order to do an analysis.


The fact that the procedure is simple and convenient for the user can sometimes have a negative impact on the customer experience due to the fact that the user might not even be aware that perhaps the image is being captured. It is possible for the process of passive liveness detection to run in the background without giving any sign that liveness detection is now being conducted. Before carrying out an operation, a crystal clear user permission or an opt-in action needs to be put into place for services that put a premium priority on data privacy and GDPR. This should be done before the operation may be carried out.

The worldwide shutdown provided digital thieves with an opportunity to find new victims, which they took advantage of. And the financial institutions were not prepared for this at all.

Liveness inspections, both active and passive, are what have the potential to make any biometrics system more secure as well as the onboarding process go more smoothly.