CASE STUDY
leading-edge identity verification services that
vet the digital identities of new customers –
quickly, securely and compliantly.”
Intelligent CIO spoke to Yousif Almas, Group
Chief Innovation Officer, Bank ABC, and
Robert Prigge, President, Jumio, about the
benefits of the solution.
What is the benefit of eliminating
the need for customers to visit
branch offices to set up new
banking accounts?
Yousif Almas: Typically, it takes a visit to a
branch to open an account, or recently with
some banks, a video call. At Bank ABC, when
it comes to implementing technologies, we
are of the firm belief that we have to think
from the user’s perspective and understand
what they need first. This traditional process
simply doesn’t fit in with the lives of our
vision on how to serve our customers,
whereby ease and simplicity are key.
JUMIO’S TECHNOLOGY HELPS TO
REDUCE FRAUD AND WE’RE WORKING
WITH THE TEAM TO ENSURE THAT
WE’RE COMPLIANT WITH ALL OF THE
VARIOUS REGULATIONS IN THE REGION
AS WE SCALE ACROSS GEOGRAPHIES.
This means we can ensure that the user is
who they claim to be and physically present
during the process.
What’s more, Jumio’s technology helps to
reduce fraud and we’re working with the
team to ensure that we’re compliant with all
of the various regulations in the region as we
scale across geographies.
Therefore, by deploying Jumio’s technology,
we can dramatically speed up the process
and put our customers in control, and
with a high mobile penetration in
the Middle East, the process of
taking a selfie is something that
consumers are already familiar
with. Importantly, it takes
just seconds, which is a vast
improvement on the time that
it takes to visit a branch and
open an account.
Our integration of Jumio’s Identity
Verification enables us to verify online
customers by having them first capture
a picture of their government-issued ID
with a smartphone, then take a selfie with
certified liveness detection functionality.
www.intelligentcio.com
Jumio has pioneered real-time, biometric-
based liveness detection to better thwart
these growing spoofing attempts.
Our certified liveness detection functionality
ensures that the individual behind an online
verification is physically present during the
account setup process or when they log
into their online account.
The process starts by having the
user capturing a picture of their
government-issued ID (e.g.
driver’s licence, passport or ID
card) – front and back – and
then having the user take a
selfie with their smartphone
or webcam. It’s during the
selfie-taking process that
Jumio checks for liveness. Jumio
analyses the pictures of the
ID document to ensure that it’s
authentic and unaltered.
How has the bank been
able to leverage face-
based biometrics to
streamline the KYC and
identity-proofing processes?
Yousif Almas: Jumio has provided
us with a reliable technology that aligns
with our digital-only strategy, allowing us
to become the first bank in the Middle
East to leverage face-based biometrics and
Machine Learning to streamline the KYC
and identity-proofing processes.
lifelike artefacts including photos, video
playback, masks and voice recording as a
means of tricking the biometric systems
into creating new online accounts by falsely
accepting an artefact in lieu of a real person.
Rob
ert P
t
rigge, Ju
mio Presiden
Can you explain what certified
‘liveness detection functionality’ is
and what the benefits of it are?
Robert Prigge: As biometric-based
verification has grown in popularity, the
incentives for fraudsters to penetrate
the systems have grown as well. These
cybercriminals try to spoof a system by using
If the ID is authentic, then Jumio
compares the picture on the ID to the selfie.
Based on these checks, Jumio delivers a
definitive yes/no decision to the business
so they can then more confidently onboard
and authenticate users.
While this process is simple and intuitive for
legitimate users, Jumio’s liveness detection
functionality has a chilling effect on
fraudsters, since most of them prefer not to
have their likeness captured by the company
they’re attempting to defraud.
INTELLIGENTCIO
61