Latest opinions that Steve Cook has shared on Finextra

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Steve Cook

Digital Identity & Biometrics Consultant

Member since

07 Oct 2015

Location

London

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Steve's opinions

Digital Onboarding and Liveness Detection

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...

07 December 2021 /retail /identity Banking Strategy, Digital and Transformation

Biometric liveness detection for digital onboarding and authentication

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...

11 March 2021 /security /identity Biometrics

Digital Identity - Prove you are not a fake?

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...

16 December 2020 /retail /identity Biometrics

Liveness Detection - What to look out for!

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...

15 October 2020 /inclusion /identity Biometrics

Now Biometrics will be essential for Digital Onboarding and Authentication

Biometrics will be in high demand in order for economies to function during the Covid-19 virus outbreak. Many onboarding practices with traditional banks involve the customers making a trip to the local branch to verify who they are with their ID documents. Now that most countries have introduced stay-at-home policies due to the coronavirus crisis,...

15 April 2020 /inclusion /covid-19 Biometrics

The importance of passive facial liveness detection

The importance of passive facial liveness detection is key for digital onboarding and a frictionless user experience. Liveness detection has become a critical part of the digital identity process for face biometric authentication, onboarding and fraud prevention. With today's facial recognition systems, there are two questions that need to be asked...

27 March 2020 /inclusion /identity Biometrics

The debate over active or passive liveness detection and frictionless biometrics

The challenge for biometrics today is that nearly all modalities need to have additional security layers. Nowadays fraudsters have found ways to bypass on-boarding or authentication procedures and in order to make biometrics more secure, liveness detection or anti-spoofing solutions are required to back up the process. Of course, adding additional...

09 December 2019 /retail Biometrics

Convenience vs Security: The future of facial recognition

Developed in the mid-sixties and first commercially introduced in the 1970s, facial recognition technology has since made huge strides. Now, it's considered a significant feature for major players in mobile and has helped improve security in law enforcement and defence. But given its much improved performance and convenience, it’s important to und...

17 June 2019 /security Biometrics

3D face mapping as a true differentiator in biometric liveness detection

The rapid global adoption of biometrics for identification and access management by organisations of all sizes clearly indicates they are here to stay. Yet, until 3D face authentication technology became available in late 2017, 2D face recognition that matches two images was all that could be obtainable. 2D face recognition vendors promised securi...

28 November 2018 /payments Biometrics

Biometrics: Why Advanced Liveness is a Necessity When it comes to Spoof Detection

Biometric technology is advancing at a rapid pace. However, it can only be trusted in the real world as long as it is consistently and effectively secure. A glaring problem for the industry is that customers have not had an objective 3th party test that can verify biometric performance claims, allowing and even encouraging vendors to exaggerate ...

17 September 2018 Biometrics

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