The Future of ecommerce
How ecommerce organizations can fight fraud, power growth and delight users
Ecommerce is now the cornerstone of global retail, reshaping the relationship between businesses and consumers. Unfortunately, fraudsters have been paying careful attention.
It’s estimated that retail e-commerce sales in 2024 exceeded 4.1 trillion U.S. dollars worldwide, a figure that’s only set to grow as more people worldwide embrace the advantages of online shopping.
There are a range of major names in the sector, including such giants as Amazon, Alibaba, Pinduoduo and JD.com. But they’re far from alone. Bricks-and-mortar household names are increasing their online presence, including Walmart, Best Buy and Home Depot. And there are specialists in every niche, from Chewy.com (for pet food) to luxury pre-loved fashion marketplace Vestaire Collective.
With innovations such as same-day delivery, augmented reality shopping tools, and seamless payment options, the future of e-commerce promises to be more dynamic and consumer-focused than ever before. But with so much money changing hands, it’s no wonder the sector is being targeted by fraudsters.
In this report, we collate and analyze our extensive research into ecommerce fraud. The three key resources in focus are the Veriff Identity Fraud Report, an analysis of our in-house data from the frontline of fighting fraud; our Fraud Industry Pulse Survey, based on responses from hundreds of fraud professionals and decision-makers from ecommerce businesses around the world; and our Fraud Index, which surveyed thousands of consumers across the US, Europe and Latin America.
Introduction
Ira Bondar, Senior Fraud Group Manager, Veriff
All of this research combines to give us a very clear picture on how ecommerce organizations and online marketplaces – from industry giants to specialist players – should approach the challenges of the coming years. And these challenges largely boil down to ecommerce organizations answering three questions about both their customers and employees:
Is your customer/employee real?
Is this customer/employee of value to you or a potential cost?
Is the answer to those questions still the same on an ongoing basis?
Through a photo of their government-issue ID and a simple selfie, Veriff can tell immediately if something is wrong with an image or video. We can detect liveness and realness without asking users to move unnaturally or follow complex instructions – in other words, we can ensure they really exist and that they are who they claim to be.
We can determine at the onboarding stage if the person is a potential customer of value – or if they simply cannot be trusted and could cause harm to your business. With our cross-linking capabilities, we take huge amounts of data and search for patterns, helping us identify potential fraudsters who target certain industries. Of course, if they’re a legitimate customer, the process is smooth and safe, building security – and your company’s reputation.
Can you ensure that users of your platform are who they say they are every time they engage with your platform? Reauthentication of customers and employees is absolutely critical. With biometric authentication, users are promptly and securely authenticated across all stages of their user journey. We know they are who they say they are because we can quickly check the information already on file.
Our research demonstrates how online organizations can boost their security online with identity verification (IDV), AI and biometrics. What’s more, customers are demanding this innovation.
Those organizations and online marketplaces that embrace cutting-edge security can protect their customers and employees, beat the fraudsters – and lay the foundations for continued growth well into the future.
Key takeaways
Part 1
Fraud is on the rise in ecommerce
Ecommerce organizations face unique threats
AI is a threat and an opportunity
The IDV advantage
Unfortunately, the danger from fraudsters seems to only be going up. We found a 21% rise in fraud between our 2024 and 2025 fraud reports.
What’s more, the report showed that no fewer than 1 in 20 verification attempts in 2024 were fraudulent and someone pretending to be someone else.
And there’s a real financial impact. For more than a third of US respondents (35%) in our Fraud Index 2024, there was at least some financial loss to fraud, with 13% of fraud decision-makers globally reporting that fraud cost their organization up to 20% of their revenue a year. This ‘fraud tax’ that ecommerce organizations are paying is unsustainable and needs to be addressed quickly, as it is only going to get worse.
Our Fraud Report 2025 found that ecommerce specialists and marketplaces were the outlier in the data we analyzed from across 2024. It was the number one industry to suffer at the hands of authorized fraud scams, and by a considerable margin: more than 18 times the global average.
The peak frequency of authorized fraud occurrence was detected in the ecommerce industry in 2024 - an astounding 1.62% fraud rate due to authorized fraud/scams. This is 18x the global average for this type of fraud.
AI is a growing danger for organizations in all sectors, with 60.5% of respondents to our Pulse Survey 2025 reporting an increased use of AI in attacks.
On the other hand, ecommerce fraud professionals also see the potential it offers to strengthen their defenses, with almost two-thirds of US respondents (64%) already using AI/machine learning in fraud prevention, with a further 20% planning to do so in the next 12 months.
The vast majority of respondents (83%) in this year’s Pulse Survey say they have already adopted some version of IDV software and/or biometrics technology into their processes.
The survey showed that 81% of respondents plan to boost their dependence on IDV and biometrics in the coming years. These ecommerce forward-thinkers also reported that utilizing this technology had led to a major decrease in fraud rates.
Customers demand the highest security standards for ecommerce
Customer demand for IDV in ecommerce is obvious: three-quarters of respondents (75.72%) to our Fraud Index said this was important when signing up to an online marketplace.
“Organizations must deliver robust security, based on IDV and AI technology,” Bondar said. “If they don’t, they’re not just putting their companies at risk – they could drive away their customers.”
The fraud threat for ecommerce and marketplace platforms
Part 2
Fraud is on the rise
In our latest Fraud Report, we analyzed global customer data from throughout 2024, including data related to our ecommerce customers. The main story is sadly familiar: online fraud is on the rise.
The increase in year-on-year online fraud since our 2024 report, a clear indication of the growing threat.
The percentage of all verification attempts in 2024 that we found to be fraudulent. This means that no fewer than 1 in 20 verification attempts involved someone pretending to be someone else.
The same old story
We’ve seen this theme again and again. In our 2024 Fraud Index, for instance, we surveyed end users on their experiences of online fraud, including US and UK consumers of ecommerce services and online marketplaces. Two stats stood out:
Respondents who had experienced online fraud in the preceding 12 months.
US consumers who experienced at least some financial loss from fraud, with 1% losing more than $1,000. And it’s not limited to the US – a quarter of UK respondents suffered at least some loss.
The growing danger was also highlighted in our Fraud Industry Pulse Report 2025, where we surveyed 200 fraud professionals and decision-makers in a range of sectors, including ecommerce. Most of our respondents (72%) said they had seen an increase in online fraud in the past 12 months, with a similar proportion (75.5%) saying fraud has hurt their revenue.
When you consider how many companies today are expanding their ecommerce presence, these figures are truly concerning, Even if only a small percentage suffer a financial loss, it could represent a huge boon for criminals.
Ira Bondar, Senior Fraud Group Manager, Veriff
A third (32%) have suffered a 3-5% reduction – for a business with revenue of $1 million, that could mean a loss of $50k per year, just to fraudsters.
3-5% reduction
Types of e-commerce fraud
So what kinds of fraud do ecommerce and online marketplaces actually face? Unfortunately, the danger takes many forms. Let’s look at a few.
- Account takeover fraud: This occurs when unauthorized parties gain access to a user’s account and make unauthorized purchases or changes. It often involves the use of stolen credentials from data breaches.
- Refund fraud: This is when fraudulent actors pose as customers and request refunds for products or services they never purchased. It can be particularly challenging to detect and prevent, leading to revenue losses. In 2024, refund/policy abuse was the most common type of fraud experienced by just under half of online merchants worldwide. First-party misuse (also known as “friendly fraud”) affected another 45 percent of merchants.
- Transaction fraud: This type of fraud occurs when malicious actors use stolen credit card information to make unauthorized purchases. It often ends in significant financial losses for businesses and can lead to chargebacks.
- Chargeback fraud: This is when a customer makes a purchase and falsely claims they didn’t receive the product or service, or that it was unauthorized, to receive a refund from their bank. This not only results in financial losses but also affects the merchant’s chargeback ratio.
- Return fraud: This sees customers exploit online stores’ return policies by purchasing items with the intention of returning them, or by returning used or damaged items. It can lead to inventory losses and increased operational costs.
There are other variations to consider, while the threat naturally worsens at times of peak buying and selling, with more money changing hands. For instance:
The spike in fraud rates seen during high shopping periods, such as Black Friday and Cyber Monday.
Authorized fraud
The rewards for fraudsters are arguably as great in ecommerce as they are in financial services, with millions of dollars changing hands between merchants and customers every day. Even so, many ecommerce platforms still operate with much lighter fraud defenses.
As we’ve seen, the range of attacks is significant and diverse. In fact, our Fraud Report 2025 found that ecommerce was the real outlier in the data we analyzed from across 2024.
One form of fraud in particular stood out for ecommerce and marketplaces: authorized fraud. In fact, the sector saw the highest level of authorized fraud scams from across the industries we studied, including financial services, a longstanding target for criminals.
What is authorized fraud?
Authorized fraud is a scam where a user is tricked into performing an identity verification session: for example, when a fraudster pretends to be someone from a bank. This type of fraud has two distinct types: physical adversary-in-the-middle attacks and digital adversary-in-the-middle attacks.
Physical adversary-in-the-middle attacks
Digital adversary-in-the-middle attacks
This is particularly alarming because it often relies on some form of physical coercion or forced participation. We often see this type of fraud in relation to identity farms, where individuals or groups of people are pressed into opening and accessing financial accounts and then those accounts are taken over for malicious purposes.
This fraud type has been growing hand-in-hand with the increasing sophistication of AI-powered tools. Essentially, it is defined by a fraudster positioning themselves digitally between the account holder and a business to intercept the data required to access this account.
Ecommerce was the number one industry to suffer at the hands of authorized fraud scams, and by a considerable margin: more than 18 times the global average. The peak frequency of authorized fraud occurrence was detected in the ecommerce industry in 2024 - an astounding 1.62% fraud rate due to authorized fraud/scams. This is 18x the global average for this type of fraud.
Digging in further, this vertical also saw the second-highest percentage of document fraud in the last year. Document fraud is when a document’s data is physically altered or a counterfeit document has been fabricated from scratch, perhaps to commit impersonation fraud (when a criminal pretends to be someone else) or to gain unauthorized access to goods or services.
In ecommerce, document fraud was a major problem at just over 20% of the total of all fraudulent attacks.
AI as a threat …
AI is a growing danger for ecommerce and online marketplaces. The proliferation of these tools, and the fact that it is relatively cheap to develop them and deploy them at scale, has led to fraud-as-a-service becoming one of the major growth industries of the last 12 months.
Respondents to our Pulse Survey 2025 who reported an increased use of AI in attacks.
60.5%
While there is a significant problem in the UK, it appears to be worse in the US. Our Fraud Index found that while in the UK, 62.8% of consumers say they haven’t been targeted by this type of fraud, the same figure in the US is less than half of respondents (47.5%). In the US, almost a third (31.94%) have been targeted by AI or deepfake fraud, while a striking 19.56% say they don’t know.
And AI as an opportunity…
So, we know that technology is a growing threat, but it can also work to our advantage. Ecommerce and online marketplace organizations can now fight back using powerful AI-driven identity verification solutions.
There is clear evidence that fraud professionals see the potential benefits these solutions offer in boosting their defenses. Almost two-thirds of US respondents (64%) to the Pulse Survey are already using AI/machine learning in fraud prevention, with a further 20% planning to do so in the next 12 months.
It is a similar story around the world, according to our global Pulse Survey. In the UK, 60% of decision-makers utilize AI/ML in fraud prevention, with a further 25% planning to do so in the next year. In Brazil, 69.5% are using the technology, while 16.5% plan to do so in the coming 12 months.
There are lots of ways it can help. We asked ecommerce fraud professionals in our Pulse Survey to outline how AI helps their organizations fight fraud. The answers covered a range of vital areas:
Identifying fraud patterns and potential risk factors
Accelerating the identification of sophisticated fraud attempts.
Automating customer verification.
Analyzing analyze customer behavior patterns over time to identify unusual activity.
Fraud professionals clearly see the benefits of IDV software and biometrics when building their risk-based/step-up authentication systems. The vast majority of respondents (83%) to the Pulse Survey 2025 say they have already adopted some version of the technology into their processes.
And the same survey showed that 81% of respondents plan to boost their dependence on IDV and biometrics in the coming year, a clear recognition of the security benefits they’ve already seen and their expectations for future advantages, particularly when blended with the power of AI.
Customer demand
Robust online protection is vital for ecommerce businesses to remain secure and to protect their business, employees and customers. However, it’s also a key business imperative if they’re to enhance their reputations and secure future growth.
In our Fraud Index, we asked consumers to rate the importance of security measures when signing up for an online marketplace (showing an ID and taking a selfie). Customer demand for IDV was clear.
Three quarters of respondents (75.72%) said this was important when signing up to an online marketplace, a figure that remained consistent across the countries and by gender and age group. There was little difference overall between respondents in the US and UK, with 77.8% of UK consumers saying it was important and 73.65% of US respondents.
This has wide significance, as Bondar noted. “Online marketplaces are a dominant feature of the digital economy, so if consumers believe security is important here, it highlights the importance they place on such measures across their online lives.”
There are also a range of legal requirements for online marketplaces and ecommerce organizations to consider, such as the General Data Protection Regulation (GDPR) in Europe. While this applies to all organizations, there are some laws around the world that have a specific impact in the ecommerce space.
For instance, consider the Integrity, Notification, and Fairness in Online Retail Marketplaces for Consumers Act (INFORM), which was passed by Congress in the United States in 2023. This legislation states that online marketplaces must collect and verify specific financial and identifying information from “high-volume” third party sellers.
What does the INFORM Consumers Act mean for online marketplaces? According to the FTC, there are five steps to complying with the new law:
Online marketplaces must collect bank account information, contact information, and a Tax ID number from high-volume third-party sellers.
Collection:
Online marketplaces must verify the information they get from high-volume third party sellers. They also must require sellers to keep their information current and to certify it as accurate at least once a year.
Verification:
For high-volume third-party sellers that meet a certain level of sales on a platform, online marketplaces must disclose in the sellers’ product listings or order confirmations specific information about the seller.
Disclosure:
Online marketplaces must suspend high-volume third-party sellers that don’t provide information the law requires.
Suspension of non-compliant sellers:
Online marketplaces must provide high-volume third-party sellers’ product listings a clear way for consumers to report suspicious conduct.
Reporting mechanism:
The most cost-effective way to address identity fraud is to partner with a market-leading solution provider, one with the industry reputation, expertise and experience to deliver the secure and seamless experiences that customers expect and demand.
Trust stack
Marketplaces need to find a way to carefully balance their approach, integrating the security steps needed to nurture user trust, while also delivering the swift, seamless, and secure customer experiences that ecommerce users have grown accustomed to.
Whatever method you choose, the key is to build a ‘trust stack’, drawing together a series of complementary processes, values, and protections, all designed to maximize customer confidence. A typical trust stack is likely to include the following layers.
Identity verification
The process of building and maintaining trust begins and ends with identity verification. To transact with confidence, marketplace participants acting as either buyers or sellers must have trust in the other user. They need to have confidence that the content others post on a marketplace reflects the product they’re selling. They need to know they’re transacting with a real person/business and that entity has an equally vested interest in that transaction. Swift, secure, and seamless identity verification processes and procedures are critical.
Transparency
The more transparent a marketplace is about its policies, processes, and fees, the more trust it will inspire in its users. Participants need reassurances that the marketplace is accountable; that the information provided is true, accurate, and designed to benefit the customer; and that there are fail-safes in place to protect their interests. Successful marketplaces seek to be as transparent as possible.
Consumer protection
Leading marketplaces have clear policies to ensure customers are not left materially worse off when transactions go wrong. For example, Amazon, Etsy, and Alibaba are among a host of marketplaces which refund customers if products are damaged or defective upon delivery. They also have a returns policy for products that do not match the description on their website.
Robust security
Security is a critical component of trust for all marketplaces. Customers need to know that their personal information and payment details are safe. Industry best practice involves sign-in using a secure server connection, 128-bit encryption of customer data and two-factor verification to ensure personal data, credit cards and transaction details remain secure.
Social proof
Social proof, in the form of online reviews and testimonials, is a critical element of establishing trustworthiness. Customers need evidence that the marketplace/seller has a legitimate purpose and a regular customer base. This can take the form of online testimonials, reviews, good PR, and social media coverage, to name but a few. According to research conducted by the Spiegel Research Center, nearly 95% of shoppers read reviews before hitting “buy”, with the purchase likelihood for a product increasing by 270% if it has five reviews, compared to none.
Embracing the digital future
For CEOs, risk officers, fraud prevention teams, and regulatory leaders, marketplace trust is directly linked to revenue, customer retention, and security compliance. Marketplaces that fail to invest in AI-powered identity verification and fraud prevention risk losing consumer confidence and facing regulatory scrutiny.
The question isn’t whether trust matters – it’s how quickly your marketplace can implement the right solutions to stay ahead.
By their very nature, ecommerce and online marketplace businesses can’t turn their backs on digitization.
“They must continue to embrace all the advantages of an increasingly ‘online’ global economy, while developing security methods that ensure security and build customer satisfaction – at the same time,” said Bondar.
How ecommerce and marketplace businesses use Veriff
Part 3
Online marketplaces and ecommerce organizations face significant challenges to ensure trust, compliance and user satisfaction. But as we’ve seen, customer demand for seamless IDV solutions has never been greater. Let’s look at how Veriff’s technology helps leading ecommerce and marketplace businesses to beat the fraudsters and boost the customer experience.
Streamlining onboarding in a competitive landscape
Veriff has been a valuable partner for us in strengthening our digital capabilities and optimizing our processes. With their help, we've been able to grow our reach and elevate the efficiency of our engagement with our customers and consumers online.
Erika Viveiros, marketing director at JTI Philippines
JTI, a leader in the tobacco industry, needed an efficient and secure IDV solution to ensure compliance with strict age verification laws. Their manual verification processes were time-consuming and hindered their ability to expand their digital presence effectively.
Veriff’s IDV platform integrated seamlessly into JTI’s operations, enabling rapid onboarding with real-time age verification to ensure compliance for age-restricted products.
It delivered streamlined workflows for verifying raffle winners and online participants remotely, reducing processing times from 48 hours to minutes. Meanwhile, advanced fraud detection tools flag and prevent suspicious activities, protecting both JTI and its customers.
The results are clear:
- A 223% increase in customer conversion rates driven by smoother verification processes.
- Growth in their verified user base from 11,000 to 37,000 across digital platforms.
- Enhanced fraud prevention capabilities, ensuring secure and compliant operations.
Strengthening vendor relationships with advanced verification
Working with Veriff proved to be a winning partnership right from the start. They ensured their verification product fit seamlessly into our sales submission platform, delivering a friction-free biometric experience for our customers.
Gregory Boucher, senior fullstack engineer at TPC.
TPC, the world's largest marketplace for certified pre-owned bikes, faced challenges in verifying seller identities and preventing fraud. Their manual processes were slow, error-prone, and inadequate for high-value transactions, with some bikes priced at over $9,000.
Veriff's identity verification platform was integrated into TPC's operations, providing
automated identity verification to authenticate sellers swiftly and accurately. Biometric authentication ensures returning users are legitimate, while advanced fraud detection is used to identify and block suspicious activities.
TPC achieved significant improvements, including:
- Enhanced operational efficiency by automating the verification process, allowing the team to focus on business growth.
- Improved customer experience with a seamless and secure platform for buying and selling premium bikes.
- Reduced fraud risk through effective identity verification and fraud prevention measures.
Building credibility through verified reviews
Trustpilot, a global leader in consumer reviews, needed to ensure the authenticity of reviews on the platform to maintain trust and credibility. Eliminating fake accounts and fraudulent reviews was critical for preserving the integrity of the marketplace and protecting user confidence.
Trustpilot partnered with Veriff to implement robust identity verification processes, including real-time user verification to confirm the authenticity of reviewers before they could submit feedback. AI-powered fraud detection identifies and blocks fake accounts and suspicious activity patterns, while advanced data security measures safeguard sensitive user information.
Trustpilot experienced transformative outcomes, including:
- A 50% reduction in fake reviews, ensuring higher integrity of user feedback.
- Increased customer confidence in the platform, boosting both engagement and satisfaction.
- Strengthened brand reputation, positioning Trustpilot as a trusted authority for authentic consumer reviews.
Ensuring safety in autonomous delivery
Starship Technologies, a leader in autonomous delivery, faced the challenge of securely verifying customers who interacted with their fleet of delivery robots. As their operations expanded into new markets, ensuring compliance and minimizing fraudulent activities became critical to maintaining customer trust and safety.
Starship partnered with Veriff to implement a cutting-edge identity verification system, including biometric verification to confirm delivery recipients' identities securely and efficiently. It also involved real-time authentication to prevent unauthorized access to deliveries, with scalable solutions to support Starship’s rapid growth and entry into new markets.
Starship Technologies experienced significant benefits from partnering with Veriff:
- Enhanced user trust: Veriff's IDV technology ensured secure access to Starship's services, fostering trust among customers.
- Fraud prevention: Starship achieved a substantial reduction in identity-related fraud, protecting the integrity of their autonomous delivery system.
- Operational efficiency: By automating identity verification, Starship streamlined their onboarding process and reduced manual intervention.
- Support for global expansion: Veriff’s scalable solutions enabled Starship to confidently expand into new markets, maintaining compliance and security standards.
What the future holds
Part 5
How Veriff can help you fight the AI threat
Technology to identify manipulated images
Biometric analysis of photographs and videos
The ability to identify patterns across verifications and customers
Examination of key device attributes
Veriff’s software development kits are secure and robust by nature because we can control their interactions, making it difficult for fraudsters to digitally inject media into the stream. In effect, we build a hard wrapper around our system, ensuring that content that’s captured or uploaded is valid. We also offer a multi-dimensional approach to tackling the problems faced by financial services organizations:
Veriff’s platform is built on sophisticated models that constantly evolve, providing a multi-layered approach that combines threat-mitigation tools. We treat the absence of data as a risk factor itself and provide a robust and comprehensive check of identity documents.
Ira Bondar, Senior Fraud Group Manager, Veriff
The fraud prevention ecosystem
Veriff is building the infrastructure for trust online. We are doing this by helping digital organizations to do the following three things:
Fight ever-more sophisticated fraud
Achieve growth on a global scale
To do these three things, businesses must ask three key questions of their customers:
Is this person real at the moment of signing up for an account?
Is this person trusted - are they a potential fraud risk or are they a high-value customer?
Is this still the same real and trusted person logging in throughout the lifetime of that account?
The customer identity solution built to answer the key questions facing businesses
Human thought behind the machine learning
Preparing you for the rise of deepfakes
Veriff uses machine learning to detect patterns or anomalies that identify fraud, including those created with deepfakes. This could involve detecting inconsistencies in facial features, skin texture, or lighting conditions. But even with advanced AI, some deepfakes might be sophisticated enough to fool automated systems. Having trained professionals in our human-in-the-loop review helps us to provide an extra layer of security.
By combining these techniques with ongoing research and development, we aim to stay one step ahead of emerging fraud techniques and safeguard our systems and users against potential threats.
Veriff is uniquely placed because we have the ability to provide positive answers to the challenges facing global businesses in 2025
Our IDV solution verifies users at the point of sign-up to your systems, confirming they are genuine. Our cross-linking and risk scores create a powerful network effect from across our customer base that enables you to determine whether a customer is to be trusted. And our Biometric Authentication solution enables you to ensure the returning user is still the genuine owner of the account throughout that account’s lifespan.
We have been seeing deepfakes for a couple of years already in our customers’ sessions. With the recent generative AI boom, we can see more and more of these kinds of sessions coming in, where the images have been generated with AI. We take a multi-layered approach to combating deepfakes and AI-generated media.
One key strategy is implementing face liveness checks to validate the authenticity of human presence. This involves using algorithms to detect subtle facial movements and responses, ensuring that the individual interacting with our systems is indeed real.
In addition, we employ a variety of checks to validate the legitimacy of documents. This includes leveraging machine learning algorithms to analyze document features and detect anomalies or signs of manipulation, as well as our proprietary document specimen database populated by document experts.
How we do it ⬇️
Our core Document and Identity Verification solution uses advanced AI and is supported by fraud mitigation tools. We deploy machine learning-powered checks, advanced fraud network mitigation strategies, and a team of in-house counter-fraud experts to help protect organizations.
Meanwhile, our Fraud Protect solution helps to identify patterns and deliver actionable insight built on industry expertise, enabling users to approve greater numbers of genuine users and eliminate more fraud. Its elements are:
Which searches for signs of physical or digital data or structural manipulation.
This prevents individuals suspected of fraud from attempting to access your business.
Offers biometric analysis of the user’s selfie image for signs of physical or digital manipulation.
Which collects and analyzes multiple signals from the user’s device and network to identify potential risk.
CrossLinks and RiskScore techniques are something we utilize across our portfolio to build a comprehensive picture of fraud-related danger, including the risks from deepfakes (see below for more detail).
Analyzing the biometric characteristics from a submitted selfie image to ensure that the subject is real and physically present during the verification, as well as checking for signs of manipulation.
DocCheck:
FaceBlock:
FaceCheck:
DeviceCheck:
CrossLinks and RiskScore:
FaceCheck Liveness:
Similarly, our CrossLinks approach - where we are crosslinking multiple pieces of information to derive new insights and fraudulent patterns that are not detectable when analyzing a single session in isolation - means we can group together verifications with similar data points, helping us to identify fraudsters who might use multiple fake identities on different occasions across our network.
This capability has deepened and expanded. We have long been capable of identifying a document that shows up on multiple occasions with the same customer, or the same biometrics, IP address, or device characteristics.
With Industry CrossLinks, we can look cross-customer, within the same industry vertical - for example, looking to see if the same fraudster has been working across our financial services customers - and the fact we work globally means we can spot evolving trends that a customer working on their own would never be aware of. All of this can happen without any personally identifiable information being shared across customers.
This is effective because fraudsters will always try to reuse their tools and tactics across multiple organizations. Even as they turn to machine learning, AI, and deepfakes, they will reuse credentials, templates, and faces. Our Industry CrossLinks capability stops them in their tracks.
CrossLinks in action:
learn more
We have plenty of resources available for you to learn more about fraud, and how to protect your business.
Visit our dedicated Fraud Education Center here
Learn more about the threat of AI and deepfakes here
Discover the cost of fraud with our interactive RoI calculator here
Explore our fraud-prevention solutions here
Veriff is the preferred identity verification and authentication partner for the world’s biggest and best digital companies, including pioneers in fintech, crypto, gaming, and the mobility sectors. We provide advanced technology, deep insights, and expertise from our foundation in digital-first Estonia and honed in leading the digital identity revolution. The partner of choice for businesses who need to rapidly and effortlessly verify online users from anywhere in the world, Veriff delivers the broadest possible identity document coverage.
By supporting government-issued IDs from more than 230 issuing countries and territories and with our intelligent decision engine, which analyzes thousands of technological and behavioral variables, Veriff enables trust from the first hello.
Speak to one of our fraud experts today to discover how we can create customizable fraud protection for your business.
