Artificial Intelligence

or Augmented Intelligence?

Which AI is Right for Online Identity Verification?

What is Artificial Intelligence?

Artificial intelligence (AI) is the broad concept of machines being able to carry out tasks that, if performed by a human, would require the person to use their “intelligence” to perform the tasks.

Machine learning is a popular application of AI where machines are fed large amounts of data and learn to make predictions on new data.

What is Augmented Intelligence?

Augmented intelligence emphasizes the fact that AI technologies have been developed specifically to help humans, rather than to replace them.

Augmented intelligence is important in applications where the risk of failure is too great or the AI is not evolved enough to take humans completely out of the equation.

Does it matter which AI your identity verification solution provider uses?

The short answer is yes.

Augmented intelligence uses AI to identify suspicious IDs and help identity experts make faster, better verification decisions.

Some identity verification solution providers rely solely on artificial intelligence to perform ID and “selfie” checks for online identity verification, claiming it eliminates the need for human review. The truth is, AI is almost, but not entirely ready to remove humans from the identity verification process.

What happens without augmented intelligence?

If your online identity verification provider fails to use augmented intelligence, the consequences can be costly.

Without augmented intelligence (via expert, real-time human review) your customers are frequently redirected to manual processes for verifications that fall in the “maybe” zone, which can result in:

  • Onboarding friction
  • Lost conversions
  • Time and expense of manual review
  • Customer dissatisfaction

Why does artificial intelligence fall short?

Artificial intelligence brings huge value to online identity verification. But it’s not ready to lead the way yet. Here’s where it falls short:

  • Need for Big Data Effective algorithms require huge datasets for each type of ID you wish you verify.

  • Number of ID Types and Subtypes A provider like Jumio can support over 3,500 constantly-changing ID types and subtypes. AI models must support them all.

  • Blurriness, Bad Lighting and Glare Picture quality is dependent on user’s ability to capture a good image from their device.

  • The Challenge of Omnichannel Verifying customers across devices presents additional challenges for AI models.

  • The Selfie Requirement Many online companies require a selfie to ensure the picture in the selfie matches the picture in the government-issued ID. AI models are still perfecting this “match,” especially when ID photos are outdated.

  • Liveness Detection New types of fraud, including spoofing attacks on selfies, can stump an AI model.

“But a dirty little secret about industrial-strength AI (artificial intelligence) is that many of these systems are trained and evaluated on datasets created and labeled by thousands of human raters.” Joel Tetreault, Grammarly

How does augmented intelligence work for online identity verification?

User performs identity verification

AI/machine learning evaluates the ID/identity

AI delivers yes or no answer OR routes to expert for review

How Jumio uses augmented intelligence:

Jumio uses machine learning and artificial intelligence to identify parts of the government-issued ID (e.g., driver’s license or passport) that are suspicious. This guides our ID experts to help speed the process and direct the focus of their review.

The key components of our augmented intelligence model include:

Big Data

We handle large volumes of data and use human review to tag this data for faster artificial intelligence adoption.

Human Review

Jumio uses experts to inform our AI models and create deep learning for long-term artificial intelligence success.

Data Scientists

We have invested in a team of AI scientists, working in Jumio’s AI Labs, to exploit the potential of artificial intelligence.

Years of Experience

We have long relied on human review and model trainers which puts us in a much better position to recognize fraudulent IDs and face matches because of our extensive experience and training.

Strict Privacy Compliance

Jumio treats data privacy compliance as a mandatory requirement of any solution released to the market. This includes being fully GDPR compliant and operating and conforming to strict PCI-DSS data privacy requirements. This impacts how we develop our AI algorithms and ensure our business customers and their downstream users’ privacy is always respected.

Learn More

GUIDE

The Guide to AI for Online Identity Verification

ON-DEMAND WEBINAR

How Augmented Intelligence is Changing the Identity Verification Game

Take the Next Step

Talk to a Jumio identity expert about how AI-powered identity verification can help your business onboard good customers faster.

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