Capture Trust

Identy.io provides biometric authentication on mobile phones, for secure and user-friendly identity verification, enabling government and corporate customers to grow operations with a cost-effective suite of products.

The future of KYC with multimodal biometrics

As digital identity verification becomes critical in banking, fintech, and e-government, the future of Know Your Customer (KYC) lies in multimodal biometrics. This means using multiple biometric factors (like face, fingerprint, or voice) along with advanced AI techniques to verify identities. The goal is to balance a frictionless user experience with ironclad security. Demand for digital identity checks is soaring, global identity verifications are projected to exceed 70 billion in 2024, up from 61 billion in 2023. To stay ahead, organizations are embracing biometric KYC solutions such as Identy, a leading multimodal platform, to streamline digital onboarding, boost conversion rates, and

Reducing fraud with passive liveness detection

In today’s fintech and digital identity landscape, balancing security with user experience is critical. Fraudsters are constantly trying to spoof online onboarding systems using stolen photos, deepfake videos, or forged IDs, identity fraud cost the U.S. an estimated $43 billion in 2023. At the same time, legitimate customers expect a smooth, quick sign-up process. Passive liveness detection has emerged as a solution to this challenge. It acts as a silent guardian during digital onboarding, stopping fraud in the background without disrupting the user. Identy, a leader in biometric identity verification, champions passive liveness detection as an expert approach to reduce fraud while

How to choose the best facial recognition software provider

In an era where digital onboarding and remote services are the norm, choosing the right facial recognition software provider is a strategic decision, especially for fintech companies, financial institutions, public agencies, and e-government programs. The ideal provider doesn’t just offer accurate technology; it delivers superior user experience, strong security, and the scalability to grow with your needs. Business leaders like CMOs and CTOs must weigh how a vendor’s solution will impact user conversion rates, fraud prevention, and long-term flexibility. This guide breaks down key considerations and illustrates why leading providers such as Identy stand out in areas from passive liveness detection

2026 Trends in biometrics and digital verification

Biometric identity verification is poised for another leap in 2026, driven by a dual mandate: seamless user experience and uncompromising security. Digital onboarding has gone mainstream in fintech, banking, and e-government, with biometrics (like face or fingerprint ID) at the core of verifying “you are who you claim to be.” Global adoption of these technologies is accelerating, for example, the market for face biometric liveness checks is projected to more than double from 2025 to 2027. As organizations strive to onboard users remotely without losing them in the process, a key theme has emerged: the rise of passive liveness detection as

Biometric identification, the key to preventing fraud in the online gambling industry

The gambling industry is experiencing tremendous growth, with forecasts indicating that the global market will reach $744.8 billion by 2028 according to a recent IGamblingIQ report. However, this expansion also attracts malicious actors seeking to enrich themselves by committing fraud. These criminal activities have also registered an exponential increase in parallel with the gambling industry itself, registering an upsurge of up to 73% from 2022 to the end of 2024. These activities, which are becoming increasingly sophisticated thanks to technological advances such as deepfakes, have an estimated annual cost of $1 billion. The main entry point for the vast majority of

Best practices with advanced biometrics on KYC Process

Financial institutions are increasingly turning to biometric solutions to modernize their Know Your Customer (KYC) processes. For fintech companies and government initiatives in the United States, Brazil, and Mexico, advanced technologies like facial recognition and fingerprint identification offer significant advantages in preventing fraud and streamlining user onboarding. Why biometrics are critical to modern KYC Biometric data such as fingerprints and facial patterns are unique and hard to replicate, making them powerful tools for verifying identity. In the U.S., financial institutions use biometric KYC to meet flexible standards under the Bank Secrecy Act (BSA), where non-documentary verification methods are allowed. Brazil’s Central

Biometric verification: differences between authentication and verification

Biometric technologies are playing a central role in digital identity solutions, particularly in fintech and government. Understanding the distinction between biometric verification and biometric authentication is critical for CMOs, CTOs, and government leaders managing digital initiatives. Though often used interchangeably, these processes serve distinct purposes. Biometric verification versus biometric authentication What is biometric verification? Biometric verification is the process of confirming an individual’s identity by comparing a biometric trait (such as a face or fingerprint) to a trusted source, typically an ID document. This one-time process is commonly used during onboarding. For instance, when a user opens an account, the system

Identy.io’s biometric solutions as a guarantee of an adequate data protection in the healthcare sector

The healthcare sector has not been immune to the trend that has led virtually all sectors to almost total digitisation. Being able to access all patient medical records from a single computer, adapt any treatment to their specific needs in real time, carry out accurate monitoring of the patient’s condition using mobile devices (smart watches, for example), allowing for maximum personalisation of services, or requesting and managing appointments from a mobile phone are just some of the main advantages of incorporating the latest technology into the daily lives of doctors and patients. However, as in other sectors, this digitisation of services

Digital identity verification: Use cases in banks

Banks and fintechs are rapidly digitizing their services, making robust digital identity verification essential to prevent fraud and comply with regulations. As financial transactions move online, verifying that each customer is who they claim to be is crucial for meeting Know Your Customer (KYC) requirements and protecting against identity theft. For industry leaders, strong identity verification is not just about security it’s also a way to build customer trust in digital banking by ensuring every interaction is authentic and safe. Banks are turning to specialized digital identity verification solutions to achieve secure, seamless verification. Identy.io, for example, provides a mobile-first biometric

What is digital proof of identity and how to apply it in KYC

In an increasingly digital environment, verifying users’ identities remotely has become essential to prevent fraud and ensure regulatory compliance. What is digital proof of identity? Digital proof of identity is a method used to confirm a person’s identity through digital means. In practice, the user submits digital copies of identity documents so automated systems can verify their validity and authenticity. At the same time, document data is matched to the individual through biometrics: the photo on the document is compared with a recent selfie, and a liveness test (such as blinking, smiling, or turning their head) is performed to confirm the

When machines see too much: protecting emotions in face recognition

Our faces are becoming digital keys. They unlock phones, let us board planes, and grant us access to secure spaces. Facial recognition is fast becoming central to how we prove who we are in the digital age. But there’s a hidden twist: modern systems don’t just recognize identity—they can also infer emotions. A smile, a frown, or a tense jaw can all be classified into categories like “happy,” “angry,” or “nervous.” For humans, these signals are fleeting and often ambiguous. For machines, they risk becoming permanent data points, stored and analyzed without context. That’s where the work of Dr. Alejandro Peña—PhD

Fingerprint biometric capture

Fingerprint biometrics identify people by the unique patterns of ridges and minutiae on their fingers. When a fingerprint is scanned, software converts the ridges and valleys into a digital image and then extracts distinctive features (minutiae) to form a biometric template. Later, a new fingerprint sample is compared against this template: a “1:1” match (verification) confirms identity, while a “1:N” match (identification) searches a database. The system’s accuracy is often measured by its false-accept and false-reject rates. In practice, fingerprint matching is extremely reliable because no two fingerprints are alike, making this one of the most mature biometric technologies. Hardware integration

Accurate fingerprint biometrics solution

Fingerprint biometrics rely on capturing a person’s unique fingerprint ridge patterns for identity verification. This method is highly reliable and widely trusted. In fact, NIST’s testing found top fingerprint-matching algorithms achieved about 98.6% accuracy with a single finger and ~99.9% with four or more fingers. In practice, adding more fingers greatly boosts overall precision. These figures show why fingerprints are a robust identity factor: the more finger data used, the higher the matching accuracy. Evaluating matching accuracy When we implement fingerprint systems, we focus on two key metrics: false-accept rate (FAR) and false-reject rate (FRR). FAR measures how often an impostor

Identy.io achieves top NIST biometric certification results

Cases of fraud caused by identity theft continue to grow worldwide. In the US alone, detected cases of identity theft increased by 148% between April 2024 and March 2025, according to the “2025 Trends in Identity Report” published by the Identity Theft Resource Center (ITRC). This study also reveals that in 53% of cases involving identity theft, control was taken directly over existing accounts, both bank and social media, while in 36% of attacks, the stolen information was used to create new accounts, for example, by issuing new credit cards linked to the victims. In a context where technological advancement has

Face liveness detection: how it works and how it prevents biometric fraud

In a world where digital onboarding, banking, and authentication are rapidly becoming facially driven, ensuring that the face presented during biometric verification belongs to a live person, not a photo, video, or deepfake, is critical. This is the role of face liveness detection. It confirms that the camera is capturing a real human being in real time, helping prevent identity fraud, account takeovers, and regulatory breaches. Liveness detection has become a standard part of face recognition workflows, particularly in sectors where trust and compliance are essential. Fraudulent attacks on biometric solutions are growing more advanced, using high-resolution printouts, AI-generated media, and

Multimodal biometrics: the future of digital authentication

In an age of data breaches and identity theft, traditional passwords no longer provide enough protection. As digital security evolves, multimodal biometrics, the use of two or more biometric identifiers, are emerging as the future of secure authentication. What are multimodal biometrics? Unlike unimodal systems that rely on a single identifier (like a fingerprint or face), multimodal biometric systems combine multiple forms of biometric data, such as: Fingerprint biometrics Facial recognition software Palm biometrics Behavioral patterns (typing rhythm, gait, etc.) By requiring more than one form of identification, these systems drastically reduce the chances of identity fraud or unauthorized access. Why

Face and fingerprint Identification in Banking and Fintech

Biometric identification in banking and fintech has become one of the most secure and efficient tools. Face and fingerprint recognition technologies are reshaping how financial institutions verify identities, prevent fraud, and authenticate users bringing convenience and compliance together. For companies like Identy.io, which in 2024 deployed its fingerprint biometric solution to eliminate branch visits during onboarding, this shift marks a milestone toward fully digital and secure financial services. Biometric identification in customer onboarding Remote KYC and digital identity verification Banks and fintechs are transforming Know Your Customer (KYC) procedures through biometric onboarding. Instead of requiring in-branch visits, customers can now upload

How face detection works: principles and applications

Face detection is the foundation of modern biometric systems. It allows software like Identy.io to automatically identify and locate human faces in images or video streams. While face recognition determines who a person is, face detection answers whether a face is present and where. Today, this technology powers everything from smartphone authentication to digital onboarding processes and AI-driven marketing. Understanding its principles helps explain why it has become essential to security and user experience. Banco Popular Dominicano Success Case Learn how Identy.io strengthened mobile security in the banking sector with advanced fingerprint biometrics and seamless user experience. Download the case study

Main differences between Face ID vs facial recognition software

Facial recognition has become central to modern digital security but not all systems work the same way. The most familiar example, Apple’s Face ID, is designed for personal device authentication. In contrast, facial recognition software such as Identy.io serves a much broader purpose: verifying users’ identities in banking, government, and online services. Understanding the difference between these technologies helps clarify how biometric identity verification works and why Identy.io’s approach is transforming digital onboarding and security. Face ID: personal device authentication Apple’s Face ID was introduced to replace passwords and fingerprints with a simple glance. It’s a one-to-one verification system that confirms

What is a liveness check and why it matters in facial biometrics

Facial and finger biometrics are transforming how we unlock phones, open bank accounts, and verify identities online. Yet, as these systems expand, so do attempts to deceive them. The most effective defense against fake faces, photos, or deepfakes is a liveness check – the invisible step that confirms a real person is standing in front of the camera. Banco Popular Dominicano Success Case Learn how Identy.io strengthened mobile security in the banking sector with advanced fingerprint biometrics and seamless user experience. Download the case study What is a liveness check? A liveness check (also called liveness detection) is a process that

Identy.io’s mobile-first biometrics as a driver for increased security and cost savings at border controls and airports

Why airports and border controls face a security crisis Record passenger volumes across Latin America In an increasingly globalized world, where travel is on the rise for both tourism and business purposes, airports and border controls are faced with the challenge of managing the constant flow of passengers efficiently, while taking strict security measures. For example, Mexico recorded more than 119 million passengers, of which 57.9 million were international travelers, an increase of 5.8% over the previous year, according to data from the Federal Civil Aviation Agency (AFAC). Its main airport, Mexico City International Airport (AICM), handled 45 million passengers, making

Capturing Trust: the promise of biometrics for good

It’s happened to all of us. We’re scrolling through our social media feeds and see a funny picture or video, only to find out later that it’s fake. In the age of AI, spoofing people’s faces and voices has become incredibly accessible. With every selfie and video posted, we’re unintentionally contributing to a growing data library for fraudsters to exploit. Fraudsters pull facial and voice biometrics from publicly available content online to create deepfakes and clone voices, meaning identify theft can happen to anyone. The good news? There’s a biometric marker that fraudsters cannot easily steal from social media or other

Your personal ID in a QR code: Biocode solution celebrates its first anniversary

Identity theft continues to be a pressing problem virtually everywhere in the world. Although advances in technology, especially in artificial intelligence, mean that cybercriminals are increasingly perfecting their techniques for committing fraud, the truth is that citizens’ lack of care or supervision in handling and managing their personal information means that it is precisely the victims of fraud who often open the door to these attacks. One of the main advances in the financial sector in terms of user protection has been the widespread adoption of virtual credit and debit cards which, unlike conventional cards, offer an additional layer of security

NIST certifies Identy.io for PFT III: A milestone for touchless mobile biometrics

Identity theft continues to be one of the most common and worrisome frauds in the United States, ranking second in the total number of reported frauds in 2024 with 1,335,291 incidents, according to data from the Federal Trade Commission. Among the most common cases of identity theft are those related to credit cards, including opening new accounts or the fraudulent use of existing accounts (449,032 cases in 2024), loan applications (176,400), or applications for Government documents or benefits (70,332). The main entry pathways (resulting in financial loss) for fraud are social networks at 70%, visiting certain websites or apps with 68%,

Digital wallets as a secure, convenient alternative to traditional personal documentation

Identity fraud and theft are escalating global concerns. Although technological evolution has facilitated the work of cybercriminals, one of the main entry vectors that make identity theft possible is the users’ lack of vigilance in handling personal information, their carelessness or the transfer of personal data to third parties without applying the necessary precautions. Users have already adopted virtual banking cards for e-commerce transactions, enabling precise control over shared information. However, identity verification has remained fragmented—until now. Digital wallets leverage verifiable credentials (VCs) and decentralized identity frameworks to ensure that users can securely prove their identity without exposing unnecessary personal data.

Biometric fingerprint identity control as a global answer to the fraud problem

Over the last few years, fraud has established itself as one of the main problems faced by public and private entities, but also by end users. In the last quarter of 2024 alone, for example, there were losses of more than 500 million dollars due to fraudulent transfers only in the USA, with 100 million dollars of impact due to the improper use of credit and debit cards, as revealed by the consulting firm Stadista. However, this is not a problem that is confined only to the United States. In Mexico, figures also reveal that fraud is already one of the

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