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, some liveness detection systems are causing huge drop-out rates while customers try to navigate all the steps to open a new account. Yes, customers not only have to prove who they are, but are they a real person in the first place.
 
Abandonments can be very high when asking customers to perform a task, a challenge such as nodding your head from side to side, or moving your smart phone towards your face. Some liveness vendors claim that their solution is frictionless, but when speaking to most banks and ecommerce operators, they are losing new customers at a rate of around one in four due to these types of challenges.  
 
These active liveness checks create a poor user experience, especially for new customers who either do not get the hang of it or find it too difficult to follow the instructions. Some operators allow three attempts to achieve a liveness check, by which time it can take over 45 seconds to be successful. In some cases it is much much longer!
 
Why put your customers through this pain barrier?

Because there is simply no need when an alternative liveness check can be made really easily. Asking customers to take a selfie is normal for a photo ID check. The same single selfie image can be used for liveness checking. There is zero effort for the customer. Take one selfie and that is it. It can be that simple, yet secure!
 
Today’s modern liveness solutions are passive, no friction, no need to perform a task, takes less than a second to execute, and in some industry surveys they have shown to improve onboarding success rates from an average of 60% to over 95%, just from a better user experience.

What is key here, is the user experience. Often, it is misrepresented by some liveness vendors because some claims are really not substantiated. A good user experience really does matter to the bottom line.
 
ID R&D’s passive facial liveness detection uses just a single image, and it is now being used by over 80 companies and performs over 16m liveness checks per month. It is also iBeta compliant with Level 1 & 2 anti-spoofing standard ISO 30107-3.

So you should consider switching from your active liveness to passive. Find out more at ID R&D, and feel free to request a demo. Check it out for yourself.