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Face-comparison UI (Assumptions (Desktop computer/laptop (Old (Resistance…
Face-comparison UI
Assumptions
Desktop computer/laptop
Online
Some have webcams
Hard to do DL PDF-417!
May be insecure
Old
Resistance to change
Stock software
Mobile device
3G signal/wifi
All F&Is have
Customer docs
Always have ID book/card at application
Always have DL at collection
Flight centres
Willing to spend up to R2000
Beware weak/cheap hardware
Face capturing
Lighting etc. will never be ideal
So need quick feedback
Any solution will be
separate
to podium/3PI
?Retain control over data and systems
Rather than 3rd party
Questions
Fraud
Hardware
3rd parties
POPI
Technical
Marketing
White labelling?
Requirements
Anti-fraud
Liveness check
Deter/detect ID fraud
Deter/detect document fraud
Integrate with client
Practical
Face-to-face
Must support online applications (>50%)
Non face-to-face
Roles
Dealer
F&I
Salesman
Tools/services
Cloud
AWS Rekognition
Azure CS
Other
Local
OpenCV
Google Mobile Vision
Azure CS model
TensorFlow
face_recognition
3rd-party fraud services
Many - what are barriers?
SA KYC stricter
Services want to retain data for their models
XDS / HANIS photos
Business case
Types of fraud
Identity only
Not
income
Document fraud
ROI
Risk appetite
Solutions
Desktop
Webcam
Fingerprint reader/liveness checker
Web implementation for driver's licence scanning
Hardware barcode scanner
Mobile
Responsive website
AWS Rekognition Real Time face extraction
Mobile app
Google Mobile Vision
Face mapping of photos