Steve Cook

Head of Business Development at ID R&D

Message Posts: 21 Comments: 2

Bio I am currently working for ID R&D, a biometrics technology provider offering AI-based voice, passive face and document liveness solutions. www.idrnd.ai. I also provide digital identity and biometric authentication advice to financial institutions and ecommerce operators. Career History Currently providing business development services to www.idrnd.ai

Blogs

Banking Strategy, Digital and Transformation

Digital Onboarding and Liveness Detection

07 Dec 2021

Liveness Detection has become a very important part of the digital onboarding process for new customers, and it would seem regulators also understand that it is essential to prevent fraudsters from spoofing the system. New regulations are being updated for IDV vendors in many countries to ensure that their security practices are robust. Yet, som...

Biometrics

Biometric liveness detection for digital onboarding and authentication

11 Mar 2021

Today, there is key requirement for remote digital onboarding and authentication practices, and that is biometric liveness detection. Biometrics provide a secure method for matching a person's face, voice, iris, fingerprint or palm, but how do you prevent spoofing attacks or someone trying to impersonate you. This is where liveness detection plays...

Biometrics

Digital Identity - Prove you are not a fake?

16 Dec 2020

In today's world of biometric authentication and digital identity, proving that someone is real is a serious challenge for online and mobile services. Deepfakes, 3D masks, and even fake photos of people can cause problems for digital onboarding vendors as well as other digital enrolment processes. This in turn affects entities such as banks and mer...

Biometrics

Liveness Detection - What to look out for!

15 Oct 2020

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 solut...

See all Steve's blogs

Steve is Commenting on

Twins fool HSBC voice biometrics - BBC

Voice biometrics or authentication on its own needs to have other security measures in place such as device binding, random liveness functionality, behavioural signals, geolocation, or a process for step-up or multi-factor authentication should a situation arise whereby there are multiple attempts to hack into someone's account. Somewhere, HSBC policies on the number of attempts to log-in were not strong enough. In the BBC report, it says they tried 20 times. Your credit card locks you out after three attempts, why 20 were allowed HSBC have to resolve. The issue over twins has been known in the biometrics industry for years. They aren't many unique things that can separate them, apart from possibly fingerprints. However if your twin wants to de-fraud you, you have a serious family issue. Biometrics is not 100% (nothing is!). They need to work in conjunction with other security checks, but they are far more secure than weak or stolen passwords. An estimate of the number of hacked or stolen passwords is put at around 3 billion according to some experts. Face combined with voice or fingerprints together with the above security measures makes it much harder to circumvent. Sadly, this kind of story doesn't help confidence with consumers unless they can understand how it properly works safely. As HSBC stated publicly fraud levels are gone down as a result.

19 May 2017 Reply Read article

The Changing Face of Mobile Payments

Indeed many customers are already using biometric technology to log into the bank accounts. As reported by Planet Biometrics recently, Mobile biometric authentication provider Daon has announced that its client USAA bank has reached a key milestone of processing 1 million mobile biometric enrollments for its banking app. USAA has integrated Daon's IdentityX Platform into their existing 2-Factor mobile app authentication. In a statement, Daon noted that IdentityX expands the authentication options for USAA's members, allowing them to choose and easily utilse their face and voice on their smartphones to authenticate. Daon offers a range of biometric technologies with IdentityX, including FIDO compliant solutions. "Achieving this rate of adoption by USAA clearly demonstrates Daon's ability to operate at scale," said Tom Grissen, Daon's chief executive officer. "Watching the rapid adoption of biometrics by USAA and reading the complimentary Tweets of USAA members is a testament to the desire to use this form of authentication and validates the efforts put forward by both organizations." "USAA is very excited with the advanced rate of biometrics adoption we have seen," said Rick Swenson, assistant vice president of enterprise financial crimes management strategy and analytics. "Reaching the milestone of 1 million enrollments is a strong testament of our members' preference to use a biometric when authenticating. "By offering a biometric in conjunction with our very secure 'Quick Logon' solution, USAA is able to provide our members both a highly secure and convenient means to access their accounts. We thank Daon for their work throughout this exciting implementation and for the IdentityX Platform that allowed us to provide more options for our members." Indeed, the USAA bank is not the first and certainly won't be the last.

23 Oct 2015 Reply Read article