The answer is simple: The digital era makes people feel safe conducting online transactions. This habit should be accompanied by businesses' efforts to protect identities.
According to a Deloitte report, identity fraud is expected to cost businesses globally billions of dollars by 2025. In Indonesia alone, over 60% of companies reported losses due to identity theft and document forgery in 2023.
This shows the importance of having a robust identity verification system to protect data integrity and company reputation.
Why should businesses have a secure identity verification system? What are the consequences if identity theft occurs? Here’s an overview.
The Importance of Secure Identity Verification
Identity verification during the registration stage ensures that a person is who they claim to be. Therefore, identity verification generally involves ID cards and biometric verification.
So why is secure identity verification important?
Let’s consider a scenario where a user is about to apply for an online loan.
The first step in applying for an online loan is to verify identity. Typically, users are asked to upload their ID cards to ensure the authenticity of their identity. At this stage, the authenticity of the ID card is crucial, as fake IDs are widespread.
After that, the process continues to prove the user's identity matches the claimed ID. This is where a liveness check occurs, where the user must take a selfie in front of the camera. This process is vulnerable to fraud if the security system is weak.
The user's genuine photo could be swapped with another photo by a hacker, meaning the online loan application system receives a photo that is not the user's. This is a common attack known as a Presentation Attack and Injection Attack.
A presentation attack, also known as spoofing, occurs when an attacker uses someone else’s fake biometrics to trick a biometric verification or authentication system. The fake biometrics could include photos, masks, or AI-generated (deepfake) images or videos to impersonate the victim.
An injection attack, on the other hand, happens when an attacker injects manipulated code or commands into a system to deceive the biometric verification system.
Now, imagine if a hacker used a fake ID or someone else's ID and injected a fake photo during identity verification, causing the online loan company to be accused of fraud and suffer financial losses. This happens because the verification system was compromised by the hacker.
Use VIDA's Identity Proofing
Here are VIDA’s identity proofing that can add value to your business's security.
1. Face Biometric Verification
VIDA uses facial biometric verification technology that ensures only authorized individuals can access services or sensitive information. This system integrates with authoritative data sources, ensuring that verified identities match official records.
2. Face Liveness Detection
One of the biggest challenges in biometric verification is ensuring that the verified individual is physically present, not just a fake photo or video. To address this, VIDA offers Face Liveness Detection in two modes: Passive and Active Liveness. This technology ensures that the verification process is conducted in real-time, confirming the physical presence of the user.
3. Demographic Check
VIDA also provides a Demographic Check feature that allows verification of the user's personal information, such as name and address, by comparing it with authoritative data sources. This feature ensures that the information provided by the user is accurate and correct.
4. Document Verification
VIDA offers Document Liveness, enabling automatic and quick ID verification. Within seconds, accurate verification results can be obtained, allowing companies to make quick and precise decisions without waiting for lengthy processes.
5. Income Verification
One important aspect of identity verification, especially in the financial sector, is income verification. VIDA provides 24/7 real-time API access to official income data for employees in Indonesia’s formal sector. With response times in seconds, this Income Verification feature delivers quick and accurate verification.
VIDA's Biometric Verification with Deepfake Shield
VIDA ensures that every biometric verification process is equipped with multiple layers of protection, keeping users' personal data secure.
One of the standout technologies used is VIDA Deepfake Shield, an innovative solution that combines three layers of security to ensure biometric verification is free from manipulation or fraud.
1. Image Quality Check
The first step in the verification process is the quality check of the image or video submitted. This technology automatically analyzes every detail of the image to ensure it meets the necessary quality standards for identity verification. With Image Quality Check, blurry, too dark, or low-resolution images will be detected and rejected, preventing potential errors in identification.
2. Active Liveness Detection
After ensuring image quality, the next layer of security is Active Liveness Detection. This technology ensures that the individual attempting to verify is physically present at the time of the process. With Active Liveness Detection, the system can detect attempts to use photos, videos, or pre-recorded footage to impersonate someone else. The technology includes various interactive tests that users must pass, such as facial movements or expression changes, which cannot be faked by static media.
3. Image Manipulation Detection
The final layer of VIDA Deepfake Shield is Image Manipulation Detection, designed to identify and prevent the use of manipulated images. This includes technology that can detect deepfake, morphing, or other facial manipulation techniques used to deceive the verification system. With this capability, VIDA ensures that only genuine, unmodified images pass the verification process, providing an additional critical layer of security.
Through the combination of these three layers of security, VIDA Deepfake Shield provides comprehensive protection against cyber threats like presentation attacks and injection attacks.
This level of security is crucial, especially in the digital era, where personal data and digital identities are prime targets for cybercriminals. By leveraging advanced technology like VIDA Deepfake Shield, VIDA ensures that the verification process is conducted securely.