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How biometrics guarantees access to digital health and the correct dispensing of medications

Andrés Alvargonzález — Thu, 23 Apr 2026 11:49:41 +0000

The digitization that the healthcare sector is undergoing, through the integration of different digital technologies in areas such as prevention or the treatment and monitoring of diseases, represents one of the biggest changes that this industry has undergone in recent years. This innovation has transformed the way patients and medical staff interact with the system.

One of the pillars of this transformation is the electronic health record, which allows medical information to be stored and shared securely and efficiently. Thanks to this, different professionals can access the same file in real time, reducing and improving continuity of care. Telemedicine is another key element. Through video calls, digital platforms, and mobile applications, patients can consult with specialists without having to travel. Telemedicine not only significantly improves access to medical care in rural areas, but also optimizes the system’s time and resources.

However, access to these resources is not equal for all countries and their different regions, which often face territorial inequalities and budgetary constraints. Thus, the focus is not always on implementing highly advanced technologies, but rather on strengthening basic infrastructure and expanding coverage to ensure that all citizens can benefit, regardless of their place of residence or socioeconomic status.

How to ensure secure access to digital health

In turn, digital health handles a person’s most sensitive data, such as medical records, diagnoses, and prescription medications. Protecting this information is therefore essential to ensure patient privacy and ensure that only the right people have access to this critical information. In this context, biometrics is positioned as the solution that guarantees security, unlike passwords or single-use codes, as it allows a person’s identity to be linked to unique and non-transferable physical characteristics. In this context, thanks to biometric recognition of the user’s face, fingerprints or palm using passive liveness technology, the Identy.io platform is able to identify the user in a way that is virtually impossible to falsify, even detecting the use of 3D masks or deepfakes created using artificial intelligence.

The innovative contactless biometric verification solutions from Identy.io can be integrated directly into the patient’s mobile phone, facilitating secure access to health portals, official applications, and remote care systems. Through their device, users can quickly and easily authenticate themselves using their own biometrics, creating a unique link between their identity and their digital medical record. The solution’s intuitive interface and simple operation make it accessible even to older people or those without digital training, which is especially important for promoting the inclusion of these population groups and ensuring their access to social and health services.

Biometrics as a guarantee of correct medication dispensing

Biometrics not only protects secure access to platforms and clinical data, but is also a key pillar in ensuring the correct dispensing of medications, which is a real critical point in the care chain. Biometric authentication at the point of dispensing allows verification that the person collecting the medication is actually the prescription holder, reducing fraud and duplication. In addition, biometrics strengthens traceability and therapeutic continuity because, by uniquely linking the patient to their clinical history, duplicate delivery of medications and dosing errors are avoided.

Unlike traditional systems that require patients to travel to kiosks with specialized biometric scanners, Identy.io’s contactless biometric verification solutions are mobile-first, so they integrate seamlessly with patients’ mobile devices. This allows them to present their credentials at dispensaries when picking up medications and ensure they are receiving the correct treatment, even if they share the same first and last names as another patient. This is because the device generates a unique and non-transferable token that links each prescription to its patient.

Integration with healthcare systems is designed to align with local regulatory frameworks. In Brazil, this includes compatibility with LGPD (Lei Geral de Proteção de Dados) data governance requirements and ANVISA guidelines for digital health tools. In Mexico, Identy.io’s on-device processing model supports compliance with COFEPRIS regulations and INAI’s position that biometric data must be treated as sensitive personal data. Healthcare institutions should validate integration pathways with their compliance teams prior to deployment.

Reducing inequality in access to digital health and medicines

The inequality generated by the digital divide means that many communities that lack stable internet access have very limited or no access at all to digital services for accessing healthcare. For example, in 2025, Brazil had approximately 29.2 million people without internet access, limiting the participation of a significant percentage of the population in digital healthcare services. A similar situation is seen in countries such as Mexico, Colombia, and Peru, where disparities between urban and rural areas are evident, with the latter sometimes facing poor technological infrastructure and limited or non-existent connectivity.

In response to this, and acting as a social shield to ensure that all citizens have an identity and can securely access health services and their medications, the solutions offered by Identy.io are designed to work without requiring an internet connection and on virtually all mobile phones on the market, even low-end ones. This helps democratize access to secure biometric verification for the entire population, regardless of the region in which they live, their technological knowledge, or their economic status.

This is possible because the system is designed to process all critical identity data locally on the user’s cell phone, using a model with a basic camera and flash. This in turn increases security and reduces infrastructure costs, as data is not sent to the cloud and no specialized infrastructure such as biometric scanners is required. Additionally, Identy.io’s touchless biometric identification solutions meet the NIST (National Institute of Standards and Technology) digital identity management strategic guidelines by supporting eKYC (Electronic Know Your Client) processes and patient data protection requirements under frameworks such as LGPD (Brazil), LFPDPPP (Mexico), and Habeas Data (Colombia).

At a time when the healthcare industry is being transformed by digitalization, including biometric verification solutions protects users’ sensitive data and ensures the correct dispensing of medications. At the same time, innovative solutions from Identy.io help reduce the digital divide thanks to their ability to operate without an internet connection, on any device, even low-end ones, using only a camera and flash.

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Best ABIS software: how to choose an automated biometric identification system for large identity databases

Rodrigo Ramos — Mon, 20 Apr 2026 14:14:16 +0000

The “best ABIS” is the one that makes identity decisions dependable when volume explodes: national registries, border systems, and digital onboarding funnels that must screen users in seconds. An automated biometric identification system supports both verification (1:1) and identification (1:N) by storing and matching biometric data at operational speed.

Detect Deepfakes before they become a Threat

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What is ABIS?

Government and defense programs describe ABIS in consistent terms: a system that ingests biometric submissions, stores records, searches for matches, and supports high transaction rates and watchlist-style workflows.

For decision makers, that means the ABIS is not “just a matcher.” It is biometric identification system software that must be governed like critical infrastructure: performance you can measure, failure modes you can recover from, and evidence you can defend in audits.

ABIS Biometrics: scaling 1:N identification and throughput

1:N is where scale punishes weak design. Guidance on large-scale identity systems explains that identification error behavior depends on database size and that growing N can increase false candidates, driving manual adjudication costs unless quality controls and operating thresholds are engineered up front.

Operational ABIS deployments frequently manage this risk by returning a shortlist (not a single “yes/no”), with policies defining when expert review is required. Estonia’s ABIS documentation describes 1:1 verification and “one-on-multiple” identification that returns similar candidates for expert decisioning.

Independent testing reduces procurement risk. NIST runs evaluations such as FRVT, including 1:N identification testing, enabling buyers to compare accuracy trade-offs across operating points using consistent datasets and protocols.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Architecture and cost: centralized, edge, and on-device

ABIS architecture is a business lever. Centralized matching supports large watchlists and national registries; edge and mobile capabilities can reduce latency, avoid network bottlenecks, and improve continuity during outages or low-connectivity operations. ISO/IEC guidance on mobile biometrics emphasizes local biometric identity verification and end-to-end performance testing for full systems embedded in mobile devices.

The hybrid pattern that is becoming common

Many large programs land on hybrid designs: on-device capture validation and privacy-preserving pre-processing, paired with centralized 1:N matching when needed. Identy.io is one example of a large-scale biometric identification platform designed for both 1:1 verification and 1:N identification, and it describes an on-device, privacy-first architecture. Identy.io is also listed in the FIDO Alliance member directory; the alliance states that FIDO standards use standard public-key cryptography techniques to provide phishing-resistant authentication.

Standards, interoperability, and measurable accuracy

Interoperability determines total cost of ownership. When ABIS must connect to legacy registries, border systems, and KYC stacks, standards reduce friction and re-enrollment risk. International Organization for Standardization standards define how to test biometric performance and throughput (ISO/IEC 19795-1), how to exchange biometric data (ISO/IEC 19794 series), and how to package biometric information records through CBEFF (ISO/IEC 19785-1). NIST also publishes background on CBEFF descriptive data, designed to reveal record format and attributes without exposing the biometric data itself.

Security, fraud prevention, and privacy readiness

A “best ABIS” assumes adversarial conditions: spoofing at capture, injection into enrollment flows, and attempts to create duplicate identities. ISO/IEC 30107-1 provides a framework for presentation attack detection, and NIST biometrics collection guidance addresses controls against impersonation and spoofing.

Privacy is non-negotiable. Under European Union GDPR, biometric data used for unique identification is special-category personal data with strict conditions for processing, and NIST guidance stresses consent and privacy controls around biometric collection and use.

Choosing the best ABIS is choosing what you will scale: exceptions, or certainty. Prioritize systems that keep latency predictable at peak volume, publish measurable performance, and use standards-based interoperability so you are not forced into costly re-enrollment when systems evolve.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

- World Bank. A Primer on Biometrics for ID Systems.
- NIST. Face Recognition Vendor Test (FRVT). https://www.nist.gov/programs-projects/face-recognition-vendor-test-frvt
- ISO/IEC 19795-1 and ISO/IEC 19794 series (performance testing; data interchange formats). https://www.iso.org/standard/73515.html
- Regulation (EU) 2016/679 (GDPR), Article 9. https://eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A02016R0679-20160504

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Identy.io to Join Global Border Officials at the World Border Security Congress, April 14-16, 2026

Andrés Alvargonzález — Thu, 16 Apr 2026 08:47:02 +0000

CEO Jesus Aragón to present on the importance of rapid mobile biometric binding for border security

DOVER, DE (April 7, 2026) – Identy.io, a leader in biometric identification, today announced it will be attending the World Border Security Congress on April 14-16, 2026, in Vienna, Austria.

The conference brings together senior border officials from around the world to discuss and debate current and future policies, implementation issues and developing technologies that contribute towards safe and secure border and migration management.

On April 15 at 2:00 p.m. CEST, Jesus Aragón, CEO and Co-Founder of Identy.io, will present a technology workshop titled “The Importance of Rapid Mobile Biometric and Biometric Binding for Modern Border Security.” During the session, Aragón will discuss how biometric binding is solving critical challenges at the border by linking travelers’ live biometric captures to identity documents early in the visa application process.

“Identity fraud at the border is becoming a major problem. Authentication techniques have shifted from physical to digital, and bad actors are exploiting this gap. By submitting legitimate documents during the application process, then digitally swapping identities at the point of entry, they can evade detection,” said Jesus Aragón, CEO and co-founder of Identy.io. “Rapid, reliable identification at border crossings is now mission essential. Mobile biometrics allow agents to instantly capture and verify faces, fingerprints or irises against central systems, strengthening security and speeding up processing.”

Biometric binding is achieved by cryptographically linking live facial and fingerprint captures to an individual’s identity documents during the initial visa application process. This creates an immutable connection between the applicant and their credentials, enabling border officials to verify that the arriving traveler is the identical individual who submitted the application.

Identy.io currently deploys its NIST- and ISO 30107-3 liveness-compliant biometrics binding technology at airports expected to process millions of passengers in 2026. Integrating with existing border infrastructure, the mobile-first architecture requires only a standard smartphone camera, eliminating capital expenditure on specialized kiosks or fingerprint scanners.

All biometric processing occurs on-device, with no requirement to send biometrics data to the cloud, processing and reducing exposure to data breaches while protecting end-user privacy.

“We’re already implementing our technology in ways that improve efficiency and reduce fraud. By embedding our solution into existing e-gates and immigration systems, officers can easily verify someone’s identity in real time,” said Aragón. “Since it’s used before a traveler even boards a flight, agents can flag fraudulent or stolen documents before it’s too late. That creates fewer bottlenecks, faster processing and stronger overall security for travelers putting their trust in officers and agencies.”Identy.io recently became the only system to achieve zero attack acceptance in the Department of Homeland Security’s Remote Identity Validation Rally (DHS RIVR) face liveness evaluation, while recording the fastest transaction times and highest end-user satisfaction in the Active PAD evaluation.

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Biometrics as a key ally in the fight against human trafficking

Andrés Alvargonzález — Thu, 09 Apr 2026 15:15:45 +0000

Human trafficking continues to be among the most serious and complex human rights violations worldwide. It is a silent, highly organized crime that is difficult to detect, relying on the vulnerability of victims and the manipulation of their identity to facilitate their recruitment, transfer, and exploitation. In this context, biometric technology has established itself as an essential tool to prevent these crimes, accelerate the identification of victims, and support their rescue.

Identity as a key element in human trafficking

Despite institutional and social efforts, human trafficking remains a largely invisible phenomenon. A significant portion of cases is never formally reported, whether due to fear, coercion, or lack of access to effective protection mechanisms, which consequently hinders the actions of authorities and allows criminal networks to continue operating with relative impunity. In addition, the main victims of trafficking are often women, children, and people in situations of particular vulnerability, which, combined with contexts of poverty or irregular migration, creates a complex environment that criminals exploit.

This is why one of the fundamental pillars sustaining human trafficking is the manipulation of identity. From the first contact to the exploitation phase, criminals systematically resort to the falsification, alteration, or suppression of victims’ identities, as the use of forged documents or documents belonging to third parties allows criminal networks to move victims between cities and even countries, making them difficult to track. Considering this, social networks, dating applications, and other digital environments have become one of the main sources of information for traffickers, as the lack of robust and reliable identity verification processes facilitates impersonation and access to personal data that are later used for recruitment and blackmail.

Biometrics as a new standard of security and protection

Identification systems based exclusively on physical documents are insufficient in the face of increasingly sophisticated criminal organizations. These documents can be stolen, forged, or manipulated with relative ease, especially in contexts of cross-border mobility, making it essential to adopt technologies capable of verifying unequivocally a person’s identity, regardless of the documentation they carry or its location.

Biometric solutions are based on the capture of unique and immutable physical characteristics (such as fingerprints or facial features) to reliably identify a person. Unlike traditional documents, these credentials cannot be lent, stolen, or easily falsified, positioning biometric authentication solutions as a widely adopted global security standard, with a direct impact on the prevention and detection of crimes such as human trafficking. Thus, the generation of biometric digital credentials provides a reliable identity backup in cases of disappearance or suspected trafficking, as they can be matched within seconds by law enforcement authorities at border controls, airports, banking institutions, or reception centers.

Biometrics does not only act once the crime has already occurred. Its true potential lies in prevention, limiting the recruitment of victims through digital services with robust verification and preventing unauthorized movements in financial or administrative environments. Even when a person has been displaced or their identity has been altered, biometric systems allow for identification during routine checks, generating automatic alerts that accelerate the response of authorities. Thanks to the existence of these biometric databases and the ability to perform reliable real-time matching, it is possible to identify victims even years after their disappearance.

How does Identy.io’s biometric technology help combat human trafficking?

Identy.io has developed biometric identification solutions designed to operate in any context and location, even in environments with technical or connectivity limitations, where the protection of people is most needed.

Advanced biometric capture on-device

Identy.io’s technology allows the capture of all ten fingerprints directly from the user’s mobile phone, without the need for additional devices. Using the phone’s own camera, the system obtains high-resolution biometric images comparable to those captured by traditional readers, ensuring an adequate level of accuracy and enabling a fast and intuitive authentication process by reducing the technical and logistical barriers that typically hinder identity registration, especially in vulnerable or hard-to-reach contexts. This is key to preventing human trafficking. In cases of disappearance, attempted forced transfer, or border crossing, the registered fingerprints can be immediately matched by law enforcement authorities, even if the victim lacks documentation or if it has been falsified.

Passive liveness detection to prevent fraud

Through passive liveness detection, Identy.io’s solution verifies that the biometric capture truly corresponds to a person present at the time of registration, without requiring specific movements or predefined actions from the user. Unlike other more intrusive methods, this approach automatically analyzes multiple biometric and contextual indicators during capture to confirm that it is not an image, a mask, or a deepfake. This capability is essential to prevent the use of digital doubles, forged fingerprints, or silicone replicas, techniques increasingly used by criminal networks to impersonate identities and evade security controls. By ensuring that each biometric record is unequivocally linked to a real, living person, the reliability of the identification process is significantly strengthened.

Local processing and offline operation

All biometric data captured by Identy.io’s solution is processed locally on the device, without the need for an Internet connection, which not only speeds up registration but also allows the technology to operate in remote environments, rural areas, or emergency situations where access to data networks may be limited or nonexistent. This approach ensures that sensitive information never leaves the device until the user decides to share it securely, reinforcing privacy and data protection against unauthorized access. In addition, by eliminating dependence on connectivity, law enforcement authorities can perform immediate matching anytime and anywhere, which is especially critical in the location and rescue of victims.

Interoperability with official systems

Identy.io works with international entities, NGOs, and programs for the protection of minors and vulnerable individuals like The Exodus Road, placing its biometric technology at the service of investigation, prevention, and victim rescue. Through this collaboration, Identy.io provides accessible and reliable tools to law enforcement authorities, facilitating interoperability with official databases and ensuring that biometric records are processed securely and privately. This way, technological collaboration not only strengthens the operational capacity of authorities but also contributes to the prevention and deterrence of trafficking networks, ensuring that the protection of people is faster, more coordinated, and more effective.

Technology with purpose: Identy.io’s commitment

All these technological advances presented by digital identity verification solutions represent a decisive step toward minimizing the impact of these crimes and restoring people’s right to identity.

For Identy.io, technological innovation goes hand in hand with social commitment, which is why its biometric solutions are designed not only to offer the highest level of security but also to protect the most vulnerable individuals and actively contribute to the fight against human trafficking and other crimes where identity is key. Biometrics, always used ethically and responsibly, is consolidated as a fundamental ally in building a safer digital and physical environment, where identity becomes a tool to protect social rights.

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Best identity theft protection software 2026

Rodrigo Ramos — Fri, 27 Mar 2026 06:29:31 +0000

As financial institutions and governments digitize services, identity theft has emerged as a top business risk. Cybercriminals now use AI deepfakes and synthetic identities to bypass traditional safeguards. Robust identity theft protection software must therefore blend advanced detection (dark-web scanning, AI anomaly analysis), passwordless/FIDO-compliant authentication, and strong compliance controls. Leading platforms (for example, Identy.io – a FIDO Alliance member) illustrate how on-device biometrics and passive liveness detection can secure identities without sacrificing user experience. In 2026, organizations should evaluate identity theft protection software on business-impact criteria: minimizing fraud losses, preserving customer trust, ensuring regulatory compliance (KYC/AML, privacy laws), and scaling seamlessly. This article analyzes key features and trends in identity-fraud prevention solutions tailored for fintech, banking and government, focusing on employee- and customer-centric use cases, digital trust, UX, and scalability.

Detect Deepfakes before they become a Threat

Rising identity theft risks in finance and government

Identity theft has become the fastest-growing financial crime according to the FTC. Regulators warn that criminals now exploit generative AI to create fake IDs, photos and videos to defeat verification checks. For example, a U.S. Treasury alert reports increasing “deepfake media” schemes targeting banks: attackers use AI-generated documents and spoofed biometrics to slip past login and onboarding systems. Biometric fraud stats are alarming: Entrust’s 2026 fraud report finds one in five biometric fraud attempts involved deepfakes. Fraudsters also target high-risk areas (e.g. cryptocurrency) and 24/7 operations, so identity attacks can occur anytime. Even well-intentioned employees pose risks: industry surveys show 62% of insider incidents stem from negligent or compromised users, not malice, and 73% of security teams worry about careless employees handling sensitive data.

Together, these trends underscore that identity fraud is a business-wide concern. A breach or spoofed employee ID can lead to costly financial losses (41% of firms saw $1M–$10M insider-incident losses) and erode customer trust. Governments are responding: the EU’s Digital Identity Wallet regulation (eIDAS 2.0) mandates secure digital IDs to reduce fraud, while U.S. standards (NIST SP800‑63) emphasize usability alongside security. In this climate, identity theft protection software must integrate fraud prevention with strong compliance support and user-friendly authentication to maintain digital trust.

Key features of identity theft protection software

Top identity theft protection software combines multiple layers of monitoring and verification:

Real-time identity monitoring: Continuous scanning of dark-web databases, credit bureaus, and data broker feeds for exposed PII (SSNs, login credentials, etc.) alerts administrators immediately if employee or customer data is compromised. This rapid alerting (real-time versus batch-data) is critical to “stop or minimize” damage.
Anomaly and fraud detection: AI-driven analysis of login and transaction patterns can spot unusual activity (e.g. impossible travel, atypical hours) and flag potential account takeovers. Modern solutions often use machine learning to adapt as fraud tactics evolve.
Multi-factor and biometric authentication: By enforcing strong authentication (biometric, hardware tokens or FIDO passkeys) for employees and customers, solutions make it far harder to impersonate someone. For instance, FIDO-compliant passkeys replace passwords with cryptographic credentials bound to a device, eliminating credential reuse and phishing risks. Users simply unlock with a fingerprint or face scan, streamlining UX. Identy.io performs all biometric matching directly on the user smartphone, no biometric data is ever transmitted to a server. This on-device architecture delivers real-time response, works offline, and is privacy-by-design.
Passive liveness and anti-spoofing checks: Advanced platforms use passive liveness detection , running silently in the background, with no prompts or user actions required , to verify that the biometric sample comes from a real, live person. AI models analyze skin texture, depth, micro-movements, and lighting cues to detect printed photos, video replays, 3D masks, and AI-generated deepfakes.
Employee identity protection: Proactive features for staff include identity-monitoring subscriptions or alerts for suspicious employment records (fake W-2s, new tax filings on an employee’s SSN). Some organizations even offer employee identity theft protection software as a benefit, recognizing that personal identity breaches (e.g. a stolen SSN) can become corporate incidents. For example, LinkedIn or HR profile monitoring can prevent imposter accounts on corporate systems.
Incident remediation support: Many solutions bundle recovery services (credit freezes, legal aid) so that if theft occurs, employees and customers get guided, “white glove” remediation. This reduces downtime and reputational damage.

In short, the best anti identity theft software solutions are layered and adaptive, combining backend monitoring with seamless front-end authentication. A tabular overview of feature trade-offs (e.g. usability vs assurance level) can help stakeholders compare options (see footnote suggestion for a chart).

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Biometric authentication and FIDO Standards

Biometrics (fingerprint, face, iris) have become mainstream for biometric identity verification, but they must be implemented securely. International guidance stresses protecting biometric templates with encryption and strict data governance. Identy.io performs all matching on the user smartphone and never stores raw biometric data centrally — a design that satisfies GDPR data minimisation requirements and eliminates the server-side breach risk that plagues cloud-dependent alternatives. This approach limits breach risk while enabling passwordless login.

In enterprise use-cases, replacing passwords with FIDO-based passkeys has clear benefits: “FIDO authentication reduces the risk of phishing and eliminates credential reuse,” while improving speed and ease of access for employees and partners. By using device-bound cryptographic keys or synced passkeys, organizations remove a major attack vector. Crucially, NIST’s 2025 Digital Identity guidelines echo this, urging multi-factor and decoupling from shared secrets for both high-assurance and everyday services. Identy.io’s own suite illustrates this design: it combines on-device biometrics with FIDO-based passkeys, and its passive liveness engine silently detects spoofing and deepfakes in real time, without the user ever being prompted.

For user experience, biometric/FIDO solutions can be frictionless: logging in or approving a transaction is as simple as a fingerprint scan. Behind the scenes, cryptographic binding and on-device AI continuously validate identity, with sub-second latency even on mid-tier Android devices. This “passkey” model scales across millions of users while sidestepping the password fatigue that often leads to breaches.

Compliance, trust and scalability considerations

Any identity protection platform must align with relevant regulations. In banking and fintech, KYC/AML rules compel strong identity proofing, so the software should enable reliable customer onboarding (automated ID checks, documented audit trails) and ongoing authentication. For government e-services, standards like GDPR and eIDAS/EUDI require data minimization and transparency in identity processing. The EU Digital Identity framework, for instance, mandates digital wallets to ensure fraud “is reduced” through verifiable identity.

Regulators are also demanding resilience against new threats: FinCEN has explicitly alerted institutions about GenAI-facilitated fraud, and NIST now embeds controls for deepfakes in guidance. Best-in-class solutions will offer tools (like AI-driven document verification or biometrics certified against standards) that directly address these concerns. In practice, this means choosing vendors with third-party certifications (e.g. ISO27001, FIDO Compliance) and clear privacy compliance (e.g. encryption, consent management) baked in.

From a strategic viewpoint, deploying identity theft protection software is a long-term investment in digital trust. It can enhance user experience (fast, passwordless access), boost revenue (by reducing fraud-related losses), and strengthen brand reputation. Scalability is key: the chosen system must handle peak loads and large user bases (cloud-native architectures, horizontal scaling, and APIs for integration). Moreover, the provider’s roadmap should match your needs for emerging tech (AI fraud detection, interoperability with new ID schemes, etc.).

By 2026, the best identity theft protection software for enterprise use will be those combining verifiable certifications, on-device processing, and frictionless biometric authentication. Identy.io shows how a passive liveness and FIDO-based architecture can give banks and governments the tools to verify users quickly, while making deepfake and spoofing attacks impractical

Senior leaders should view identity protection not just as a technical control but as a cornerstone of digital trust. A robust solution proactively shields both employee and customer data, preserving productivity and confidence. It also signals to regulators and clients that you take identity security seriously. In practice, organizations might pilot solutions on high-risk workflows (e.g. new account opening or privileged access) and expand as ROI is demonstrated.

In summary, selecting a top-tier identity theft protection suite in 2026 means balancing security efficacy, user experience, and regulatory compliance. With increasing AI threats and stricter ID frameworks, solutions built on passive liveness detection, on-device processing, and proven certifications will lead. Implementing such solutions will help fintechs, banks and government agencies manage fraud risk, enhance digital trust, and scale their operations securely into the future.

Trusted external references: Authoritative sources shaping this domain include the FIDO Alliance (passkey standards), NIST (digital ID guidelines), U.S. agencies (FinCEN, FTC/IdentityTheft.gov), the European Commission (eIDAS/EU Digital Identity regulation), the World Economic Forum (AI and security reports), the World Bank’s ID4D initiative (biometric ID guidance), and specialist media like Biometric Update that track deepfake and identity-fraud trends. These organizations provide up-to-date guidance and research on biometrics, anti-fraud, and identity security.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

Biometricupdate.com
http://fidoalliance.org/company/Identy.io/
https://www.nist.gov/

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Liveness biometrics: key to ensure real identity verification against deepfakes

Andrés Alvargonzález — Tue, 24 Mar 2026 15:24:00 +0000

We are living at the dawn of the age of artificial intelligence (AI), a technology that, since its widespread adoption in 2021, is revolutionizing everything at an astonishing speed. From entertainment to productivity, AI is everywhere, and among the tools that are having the greatest impact are deepfakes, especially in the field of identity fraud. So, what are they and what impact can they have on society?

The Era of Synthetic Reality

We have already seen videos go viral in which public figures (especially politicians) are shown saying something they never actually said, with all the dangers that this can entail. Of course, this is multimedia content that has been manipulated (or generated from scratch) using artificial intelligence, with the added danger that it looks increasingly authentic. That’s a deepfake, a term that comes from the combination of “deep learning” and “fake.”

A standard definition of deepfake refers to audiovisual content (whether image, audio, or video) generated or modified using advanced artificial intelligence techniques, specifically deep learning, with the aim of realistically imitating the appearance, voice, or gestures of a real person.

The technology behind these videos is neural networks, specifically GANs (Generative Adversarial Networks), where two models complement each other to create a video that is realistic to the human eye. On the one hand, there is the Generator, which creates the synthetic content. On the other hand, there is the Discriminator, whose mission is to evaluate the content and detect whether it is real or not.

Deepfakes, a threat to identity

The many different AI tools are proving to be a double-edged sword, with many high-value applications, but also representing a potential danger depending on who is using them. Thus, although deepfakes have positive applications mainly in the film and visual effects industry or in education/museums (to bring historical figures back to life), their fraudulent uses are much more notable.

Deepfakes can be used for a variety of criminal activities, such as disinformation or even manipulation, but one of the most frequent and worrying is identity spoofing and fraud.

As traditional, insecure forms of verification, such as passwords and codes, have been left behind, biometrics has emerged as a fundamental tool for adding layers of security, becoming the standard for identity verification. However, cybercriminals have taken advantage of the emergence of advanced technologies such as deepfakes to bypass and deceive standard biometric verification measures.

The key tool against deepfakes: liveness detection

In this context, one tool stands out as the most effective defense against deepfakes: liveness detection. This technology confirms with almost complete certainty that the person appearing in front of the camera is real and physically present at the time of identification. If the system detects any anomaly that could indicate otherwise, it automatically rejects the verification.

This liveness test has two modes: Active liveness detection, which requires the user to interact with the system, for example, by blinking, smiling, turning their head, or following an instruction. This adds a challenge-response layer to prove that the face is alive.

Passive liveness detection, on the other hand, does not require the user to perform any action; it simply analyzes the person’s image for signs of life.

Identity.io’s passive liveness technology uses AI models that are trained to detect patterns which unequivocally identify a video as real. These patterns include structure and depth, since human faces naturally have depth that varies as the person or camera moves from angle to angle. Another analysed aspect is texture and light reflection because our skin reflects light in a complex and organic way that is difficult to replicate. Finally, the algorithms can detect micro-expressions and involuntary movements that real faces display, but which are not present in artificial ones.

Companies and institutions must bear in mind that the risk of deepfakes is very real and present, and will continue to grow as the algorithms used to create them become more sophisticated and the technology more accessible. It will be vitally important to implement biometric measures using liveness detection to ensure totally secure identification.

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On-Device biometric authentication for mobile banking

Andrés Alvargonzález — Thu, 19 Mar 2026 16:43:49 +0000

On-device biometric authentication, using a customer’s own smartphone or tablet to verify identity via fingerprint biometric, facial biometric, or other biometric sensors, has emerged as a leading strategy for securing mobile banking. Unlike traditional OTP or server-side systems, on-device biometrics keeps sensitive templates on the user’s device, reducing fraud risk and strengthening privacy. Industry standards (notably FIDO2) and regulatory frameworks increasingly favor biometric “something you are” factors as part of strong authentication. For finance leaders, this approach lowers business risk from account takeover (eliminating vulnerabilities like SIM‑swap attacks) while enhancing user experience with fast, passwordless logins. It aligns with data-protection laws (e.g. GDPR classifying biometric identifiers as sensitive) and scales efficiently since each device handles its own matching. Solutions like Identy.io’s FIDO-certified on-device platform (which uses a phone’s camera for touchless fingerprint verification) illustrate how banks can deploy strong authentication that is both secure and user-friendly. This article examines how on-device biometrics balances security, trust, compliance, user experience, scalability, and deployment models, concluding that it offers a strategic advantage in mobile banking.

Detect Deepfakes before they become a Threat

Business risks and security On-Device biometric authentication

Mobile banking faces escalating fraud threats (phishing, account takeovers, identity theft). Legacy methods like SMS OTP or passwords are increasingly inadequate: OTP messages can be intercepted or hijacked (via SIM swap or SS7 attacks). On-device biometrics (often implemented via FIDO2 standards) eliminate these vulnerabilities by tying authentication to the user’s own device and biometrics. A recent FIDO Alliance report notes that device-bound authentication “eliminates the need for SMS OTPs”, thereby thwarting SIM‑swap and password-replay attacks. Because passive liveness detection and biometric matching occur entirely on-device, inside the device’s secure enclave (Apple Secure Enclave or Android TrustZone), there is no central repository of biometric data for attackers to breach. Industry adoption reflects this strength: major banks and payment networks (e.g. Visa, Mastercard, Bank of America) have chosen FIDO-based on-device biometrics to bolster security. In practice, banks that add fingerprint or face login see dramatic fraud reductions. For example, Banco Popular Dominicano deployed Identy.io’s on-device fingerprint and face biometrics in its mobile app, delivering secure authentication with measurable reductions in account-takeover incidents.. By reducing reliance on shared secrets and SMS channels, on-device biometrics cuts the chief pathways fraudsters exploit, thereby lowering business risk substantially.

Digital trust and UX

Strong authentication must earn customers’ trust without adding friction. On-device biometrics delivers both: it is more convenient than passwords/PINs and perceived as more secure. Consumer surveys confirm rising trust in biometrics, over half of users now authenticate with biometrics daily, and many cite speed and convenience as key benefits. Remarkably, one study found that despite privacy concerns, 91% of people still completed transactions when prompted for biometric authentication. Customers equate biometric login with leading-edge digital services, boosting a bank’s brand trust. However, trust also depends on transparency: users expect strict data policies. On-device processing addresses this by never transmitting raw biometric data off the device. For instance, Identy.io’s platform (a FIDO Alliance member) performs all matching via the phone’s camera and cryptographically secures templates locally, which builds user confidence that their sensitive biometric templates are not stored in any cloud database. In sum, on-device biometrics enhances the customer experience with one-tap logins and helps banks build digital trust by showing strong, privacy-preserving security.

Experience Identy.io in action

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Regulatory compliance and standards

Regulators worldwide are demanding stronger authentication, and biometrics are a favored solution. In the EU, PSD2’s Strong Customer Authentication (SCA) rules require two-factor auth for payments (something you know, have, or are). Biometric factors naturally satisfy the “something you are” element while remaining user-friendly. The European Commission explicitly noted that SCA “makes it easier and safer for consumers” to pay online.

Similarly, the UK’s FCA has endorsed biometric and behavioral factors to combat fraud under its PSD2-aligned guidance. In India, the central bank’s 2020 Digital Payment Controls mandate robust security in mobile banking; a FIDO Alliance white paper cites FIDO-based on-device biometrics as an ideal way to meet these RBI requirements while enhancing UX. Moreover, data-privacy laws treat biometric identifiers as sensitive.

For example, EU GDPR expressly classifies biometric data used for identification as a “special category” requiring consent and protection. On-device biometrics inherently helps compliance: because templates never leave the user’s device, banks avoid many cross-border data concerns and reduce scope of sensitive data handling. Leading standards bodies reflect this trend.

The FIDO Alliance (of which Identy.io is a member) has over 900 certified devices supporting passwordless biometric login, and major OS vendors (Apple, Google, Microsoft) have built native support. In practice, adopting FIDO-certified, on-device mechanisms aligns banking apps with both security regulations and privacy laws, and helps meet anti-fraud (KYC/AML) mandates by providing strong, verifiable user identity proof without overexposing personal data.

Scalability and deployment models

On-device authentication scales naturally because each mobile device does its own processing. In practice, the biometric matching and cryptographic proofs occur on the user’s smartphone, offloading work from central servers. This distributed model can support millions of users without large server farms. In contrast, server-side biometrics (often “Biometrics-as-a-Service”) requires every template and matching request to travel over the network, creating latency and a central point of failure. Goode Intelligence (a research firm) notes that banks will often choose the on-device (device-centric) model – where biometric data never leaves the device – to meet privacy/trust needs. Such models leverage built-in secure hardware (Secure Enclave, TrustZone), which also simplifies certification (e.g., FIDO’s multi-factor authenticators).

From an integration standpoint, banks can deploy on-device biometrics via mobile app SDKs and mobile OS APIs. This typically involves a one-time registration of the user’s fingerprint or face (enrolled locally) and subsequently using that to unlock the stored key on-device. Because modern smartphones already include fingerprint readers or cameras, deployment cost is low. Leading financial institutions often roll out biometrics gradually, combining on-device methods with fallbacks (e.g., PIN entry or 2FA) as needed. Over time, as more users adopt it, the load shifts away from legacy auth infrastructure. Identy.io, for example, offers a turnkey solution that turns any mobile camera into a multi-finger fingerprint reader with liveness proof. By contrast, a fully server-based deployment would require maintaining a secure template database and scaling it globally, a far less flexible and potentially slower model.

On-Device vs. Server-Side: Comparison

Factor	On-Device Biometrics	Server-Side Biometrics
Security	High – Biometric templates remain in the device’s secure enclave; hard for attackers to compromise in transit. No shared secret is sent over networks.	Moderate – Central storage of templates can be a target; network channels may be intercepted. Attacks on the server or during transmission can compromise security.
Privacy	Strong – Biometric data never leaves the user’s device, minimizing privacy exposure. Complies better with data-protection laws (e.g. GDPR’s special-category rules ).	Weaker – Banks or third parties store biometric templates, raising regulatory and user privacy concerns. Data jurisdiction and consent issues are more complex.
Latency	Low – Matching is done locally on the device, giving near-instant response and no network delay.	Higher – Each authentication requires a round-trip to server, introducing network latency and dependency on connectivity.
Scalability	High – Authentication load is distributed across user devices. Minimal additional server-side capacity is needed.	Variable – As user base grows, servers must scale to handle match requests and storage, incurring infrastructure and maintenance costs.
Compliance	Favorable – Aligns with “phishing-resistant” MFA trends. Eases compliance since no central biometric database is needed. Many modern regulations and standards (FIDO, PSD2 SCA) explicitly permit or encourage device-based biometrics.	Challenging – Requires meeting stricter controls for centralized sensitive data. Additional safeguards (encryption, consent management) and audits are needed to satisfy GDPR, PCI, and other rules.

For fintech and banking leaders, on-device biometric authentication represents a strategic, future-proof investment. It delivers a measurable reduction in fraud risk (by eliminating weak factors like SMS OTP) while elevating customer trust and satisfaction through seamless, intuitive login. Scanning market trends and regulatory signals, it’s clear that strong, passwordless methods, anchored in “something you are”, are moving from optional to essential. Implementing on-device biometrics also prepares organizations for next-generation identity schemes (such as passkeys) and aligns with ecosystem standards. As an illustration, Identy.io’s FIDO-compliant platform leverages touchless fingerprint capture on smartphones, exemplifying how banks can adopt these methods in real-world systems. By choosing on-device biometrics, institutions can achieve strong multi-factor authentication at scale without compromising privacy or user experience. In conclusion, this approach turns security investment into a competitive advantage: it meets regulatory demands (e.g. PSD2 SCA, GDPR), fortifies digital trust, and enables mobile banking to grow securely.

Experience Identy.io in action

Get a tailored demo of our contactless biometric platform and see how it fits your specific use case.

Bibliography

FIDO Alliance – FIDO Authentication in Digital Payment Security (white paper).
Goode Intelligence – Biometrics for Customer-First Banking (white paper).
Identity Theft Resource Center – Consumer Trust in Biometrics Report.
European Commission – Strong Customer Authentication requirement of PSD2 (press release).
European Parliament – GDPR Article 9: Special category data (biometrics).
FIDO Alliance – Company Profile: Identy.io
Company Profile: Identy.io

La entrada On-Device biometric authentication for mobile banking se publicó primero en identy.io.

Identy.io achieves zero attack acceptance in DHS RIVR face liveness evaluation, leads field on speed and user satisfaction

Pablo Ramirez — Thu, 19 Mar 2026 09:30:00 +0000

Identy.io was the only system among all 18 vendors evaluated to achieve zero attack acceptance, while recording the fastest transaction times and highest user satisfaction in the Active PAD evaluation

DOVER, Del., March 19, 2026 — Identy.io today announced its results in the Active PAD evaluation of the 2025 Remote Identity Validation Rally (RIVR), conducted by the U.S. Department of Homeland Security (DHS) Science and Technology Directorate at the Maryland Test Facility (MdTF). Unlike the Passive PAD evaluation, which processes previously acquired samples, the Active PAD evaluation assesses the complete capture process with real users, capturing not only the effectiveness of the liveness system but also transaction time and user satisfaction.

Identy.io (PAD-A2) led the field in security, efficiency, and satisfaction:

Security — Zero attacks accepted (0% APCER) across all attack classes: Not a single attack got through — across all three classes and both operating systems, including Class C attacks that demand specialized hardware and significant attacker resources. The significance of this result becomes clear in context: Identy.io was the only system across the entire evaluation — active and passive — to achieve 0% APCER, while several remained vulnerable to Class A attacks, the simplest and most accessible attack type.
Satisfaction — Highest rate among all evaluated systems: Identy.io achieved the highest satisfaction scores in the evaluation, exceeding the 95% satisfaction goal.
Efficiency — Fastest among all evaluated systems: Identy.io recorded the lowest average transaction time of all evaluated systems, and was the only one to meet the 20-second performance goal.

High satisfaction and fastest transaction times are no coincidence: they reflect Identy.io’s obsession with usability alongside security, and are the result of deliberate design choices. Identy.io’s liveness detection is entirely passive, requiring no gestures or user actions, and the false rejection rate achieved confirms that security was not gained at the expense of convenience: BPCER remained very low on Android at 3.4%, with iOS just 1 percentage point above the 5% threshold.

“RIVR puts liveness technology under conditions designed to expose its limits — three attack classes, independent scoring, genuine captures. Coming out with zero attack acceptance across all ofi them, while also leading on speed and satisfiaction, is not a tradeofifi. It is the result ofi building security and usability as a single problem, not two competing ones.”

— Jesús Aragón, CEO and Founder, Identy.io

Identy.io’s full results for PAD-A2 are publicly available at https://mdtf.org/rivr/Results

Independent validation: a proven track record

The RIVR results extend a track record of security and outstanding usability. Identy.io’s face biometrics technology had previously achieved 0% APCER and 0% BPCER in iBeta ISO 30107-3 Level 1 and 2 testing — equivalent to Class A and Class B attacks in the RIVR framework. With the RIVR, Identy.io went further — demonstrating maximum security against the most costly and resource-intensive attacks included in the evaluation.

Liveness as part of Identy.io’s defense-in-depth

Liveness detection over already-captured images is no longer sufficient. The fast-growing threat today is injection: synthetic content fed directly into the video stream with no presentation artifact or effect to detect. Its scalability and low barrier to entry make it particularly dangerous. Therefore, controlling and protecting the capture process is now the critical layer, something a passive system working on already-captured images cannot do.

Identy.io’s capture prevents injection and also includes deepfake detection to identify AI-generated synthetic faces. Each layer targets a different attack vector and if one is bypassed, the others hold.

La entrada Identy.io achieves zero attack acceptance in DHS RIVR face liveness evaluation, leads field on speed and user satisfaction se publicó primero en identy.io.

The New Era of Identity Authentication

Joseph Ferrigno — Tue, 17 Mar 2026 13:02:52 +0000

Sheriffs occupy a unique position within U.S. law enforcement. As elected officials, they are directly accountable to their communities, balancing public trust with operational effectiveness every day.

The responsibility to protect communities is reflected by a strong interest in technologies that modernize operations, improve accuracy and reduce friction in the field.

The single tool that’s supporting all these efforts simultaneously? Contactless fingerprinting technology.

Mobile-First Biometrics

For decades, fingerprint identification has been one of the most trusted biometric tools used by law enforcement. Yet, traditional workflows still depend heavily on specialized hardware, such as station-based systems, which can significantly delay processes.

Contactless fingerprinting represents a fundamental shift away from the hardware model, offering increased flexibility and efficiency.

Identy’s touchless fingerprint technology enables officers to capture clear, high-quality fingerprint images with a standard smartphone camera and LED flash. The native software development kit (SDK) enables easy integration of biometric fingerprint authentication into any smartphone’s mobile apps.

By eliminating reliance on physical infrastructure, officers can authenticate identities while maintaining compatibility with major criminal justice databases through EBTS-compliant outputs and significantly reducing hardware maintenance costs.

Because of these benefits of contactless fingerprinting, Identy has seen consistent interest from sheriffs and deputies across the United States.

The simplicity of capturing fingerprints in seconds and generating actionable identity data immediately resonates with those seeking practical, modernized solutions for their agencies.

NIST Validated Contactless Fingerprinting

For law enforcement, identity verification is a critical capability that supports officer safety, investigative efficiency and informed decision-making in the field. Because of this, independent validation plays a critical role in determining that these solutions improve efficiency while delivering accuracy, reliability and interoperability with their workflows.

Identy’s fingerprint matching engine has been independently validated by the National Institute of Standards and Technology (NIST) through its Proprietary Fingerprint Template evaluation (PFT III) — one of the most rigorous benchmarks for 1:1 fingerprint verification accuracy. What makes this result particularly relevant for law enforcement is what the test revealed about interoperability.

Identy’s matcher was trained on both touch and touchless fingerprint data, meaning it can match mobile-captured prints against existing touch-based databases without re-encoding or additional hardware. This capability bridges the gap between legacy Automated Fingerprint Identification Systems (AFIS) infrastructure and modern mobile field deployments.

At the identification scale, Identy’s algorithm has been evaluated by NIST through the FRIF TE E1N benchmark, which tests fingerprint identification engines against databases of up to 3 million subjects, on a scale comparable to national border control and large-scale identity programs.

On its first-ever submission, Identy placed in the global top three, achieving a 99.99% match rate in the 4-4-2 identification flat configuration used at border crossings worldwide. Results are publicly verifiable here: pages.nist.gov/frifte/e1n/results/identy+0001/

The convergence of certified accuracy and contactless capture represents a significant step toward equipping public safety officers with the tools they need to modernize and transform their operations while preserving trust.

With the transition from hardware-dependent to software-driven identity already underway, agencies that move early will be better positioned for what comes next.

The future of identity verification relies on software-driven solutions that capture high-quality data on-device for a secure, scalable experience that keeps officers and their communities safe.

As digital identity continues to expand across public safety, mobility and interoperability are becoming defining requirements. The next evolution of biometrics is about more than just better identification—it’s about delivering trusted digital identity when and where it’s needed most.

La entrada The New Era of Identity Authentication se publicó primero en identy.io.