Deepfake and Liveness Detection in Digital Onboarding

Checks that a face or ID document in online onboarding is live and real, and blocks deepfake video and camera injection attacks.

visionunverified

0named models

660candidates

2deployments

2in Indonesia

Named Models

The research names no model for this use case.

Where this comes from

Models the research names for this use case. Research, with sources on each model record.

Who Runs It

production, 2

PT Bank Syariah Indonesia Tbk (BSI)Country: IndonesiaFace recognition onboarding with spoof detection; also fraud pattern detection, staff knowledge management, next product to offer and a sales AI proof of concept (models not stated)Vendor: not statedproductionDate1 Jul 2026Sales AI proof of concept brought several thousand new accounts (bank claim)Evidence: company statementConfidence: lowSource: keuangan.kontan.co.id

VIDACountry: IndonesiaVIDA Identity Stack: Document Liveness, Face Liveness, Fraud Scanner, Deepfake Detector, Deepfake ShieldVendor: VIDAproductionDate3 Sep 202499.9 percent reduction in identity fraud (vendor claim); no named client on the pageEvidence: company statementConfidence: lowSource: gizmologi.id

Where this comes from

Documented uses by named organisations. The evidence column says who made the claim.

Candidate Models

COCO val

A general benchmark for this model class, not a test on this use case. Object detection and segmentation AP (mAP50-95). Higher is better. Showing 10 of 11.

RF-DETR 2XLRoboflow vendor-reported60.1

YOLO26xUltralytics vendor-reported57.5

YOLO26lUltralytics vendor-reported55

D-FINEUniversity of Science and Technology of China (USTC), Institute of Artificial Intelligence, Hefei Comprehensive National Science Center independent55

RF-DETR MRoboflow vendor-reported54.7

YOLO26mUltralytics vendor-reported53.1

RF-DETR SRoboflow vendor-reported52.9

YOLO26sUltralytics vendor-reported48.6

YOLO11Ultralytics independent48.3

RF-DETR NRoboflow vendor-reported48

050100

YOLO26lUltralytics, visionReleasedJan 2026open weightsruns on edgehas scoreslast 18 months

YOLO26mUltralytics, visionReleasedJan 2026open weightsruns on edgehas scoreslast 18 months

YOLO26nUltralytics, visionReleasedJan 2026open weightsruns on edgehas scoreslast 18 months

YOLO26sUltralytics, visionReleasedJan 2026open weightsruns on edgehas scoreslast 18 months

YOLO26xUltralytics, visionReleasedJan 2026open weightshas scoreslast 18 months

RF-DETR 2XLRoboflow, visionReleasedNov 2025runs on edgehas scoreslast 18 months

RF-DETR MRoboflow, visionReleasedNov 2025runs on edgehas scoreslast 18 months

RF-DETR NRoboflow, visionReleasedNov 2025runs on edgehas scoreslast 18 months

RF-DETR SRoboflow, visionReleasedNov 2025runs on edgehas scoreslast 18 months

SAM 3Meta, visionReleasedNov 2025open weightshas scoreslast 18 months

Showing 10 of 660. All models of this class

Where this comes from

Derived, not researched: models in the directory whose class matches a class this use case uses, excluding family records and models shut down or deprecated. Ranked by how many fit facts they meet, then by release date. Each fit fact is read from the model record.

Use Case

Industry: finance and insurance
Model classes: visionunverified
Benchmarks or datasets: not in the notes
Regulatory notes: Surat Edaran Menkominfo 9/2023 Etika Kecerdasan Artifisial, Kementerian Komunikasi dan Informatika (now Kementerian Komunikasi dan Digital)Deepfake and liveness detection in digital onboarding is an AI-based service run by an electronic system operator, and the circular asks such operators to build and use AI on the values of inclusivity, transparency, humanity and security.
UU 27/2022 Pelindungan Data Pribadi, DPR and President of the Republic of Indonesia (administered by Kementerian Komunikasi dan Digital)Deepfake and liveness detection in digital onboarding processes biometric data such as face images or voice recordings of the people being identified or served, so the controller needs a lawful basis, must protect the data and must honour data subject rights.
Tata Kelola Kecerdasan Artifisial Perbankan Indonesia (2025 guideline), Otoritas Jasa Keuangan (OJK)Deepfake and liveness detection in digital onboarding is an AI use in banking, which OJK's AI governance guideline covers across the AI life cycle, including bias, explainability and cyber risk.
Panduan Kode Etik Kecerdasan Buatan yang Bertanggung Jawab dan Terpercaya di Industri Teknologi Finansial (2023), Otoritas Jasa Keuangan (OJK) with the fintech associationsDeepfake and liveness detection in digital onboarding is also offered by fintech providers, for whom OJK's AI code of ethics sets principles of being beneficial, fair and accountable, transparent and explainable, and robust and secure.
POJK 22/2023 Pelindungan Konsumen dan Masyarakat di Sektor Jasa Keuangan, Otoritas Jasa Keuangan (OJK)Deepfake and liveness detection in digital onboarding deals directly with financial consumers, so the provider's duties on fair treatment, clear information, data protection and complaint handling apply.
POJK 8/2023 Penerapan Program APU, PPT dan PPPSPM di Sektor Jasa Keuangan, Otoritas Jasa Keuangan (OJK)Deepfake and liveness detection in digital onboarding supports customer due diligence or transaction monitoring, which financial service providers must run under their anti-money laundering and counter-terrorist financing programme.
UU 8/2010 Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang, DPR and President of the Republic of Indonesia (PPATK as financial intelligence unit)Deepfake and liveness detection in digital onboarding helps identify and report suspicious transactions, a duty this law places on reporting parties.
EU AI Act, Regulation (EU) 2024/1689 (international), European UnionDeepfake and liveness detection in digital onboarding uses biometric identification, which the EU AI Act lists among high-risk uses; it applies when the system is offered in the EU market.
UU 24/2013 Perubahan UU Administrasi Kependudukan, DPR and President of the Republic of Indonesia (Ditjen Dukcapil, Kementerian Dalam Negeri)Deepfake and liveness detection in digital onboarding matches customers against population identity data, which this law governs as population data managed by Dukcapil.

Where this comes from

From the industry tracks T08 to T10 of the research notes.

R&D Topics

Links to R&D topics are awaiting review.

Where this comes from

Which R&D topics would most change this use case. Drafted by Claude from the topic definitions and the use case; proposed until approved.

Incidents

Deepfake photos used to bypass digital KYC in Indonesian loan applicationsIndonesia, 2024-12-04, financialGroup-IB reported that one Indonesian financial institution client saw over 1,100 attempts to pass its digital KYC for loan applications with AI-generated deepfake photos.
Purported Face‑Swap Technology Reportedly Used to Circumvent Financial Platform's Facial Recognition Security in Nanjing, ChinaChina, 2024-10-15, securityIn Nanjing, Jiangsu Province, a defendant (Fu Mou) was convicted in October 2024 for allegedly using AI‑powered face‑swap software to bypass an unnamed financial platform's facial recognition system.
ProKYC Tool Allegedly Facilitates Deepfake-Based Account Fraud on Cryptocurrency Exchanges2024-10-09, securityCato CTRL security researchers reported that the cybercriminal group ProKYC is selling a deepfake tool capable of bypassing biometric and two-factor authentication (2FA) systems on cryptocurrency exchanges.

Where this comes from

Documented failures, harms or misuse in this kind of use, Indonesia first, then the region, then well-known cases elsewhere (AI Incident Database, OECD AI incidents monitor, reputable news). Not a claim about any deployment listed here.

Opportunities

Opportunities are awaiting review.

Where this comes from

Gaps found by rule in what the directory holds for this use case. Each is a proposal for review.

Links

IndustryFinance29 use cases, 46 deployments

Use CaseDeepfake and Liveness Detection in Digital OnboardingFinance

Modelsnone recorded

Who Runs It

PT Bank Syariah Indonesia Tbk (BSI)In production, 1 Jul 2026

VIDAIn production, 3 Sep 2024

Graph

Deployments 2

PT Bank Syariah Indonesia Tbk (BSI)Face recognition onboarding with spoof detection; also fraud pattern detection, staff knowledge management, next product to offer and a sales AI proof of concept (models not stated), Indonesia VIDAVIDA Identity Stack: Document Liveness, Face Liveness, Fraud Scanner, Deepfake Detector, Deepfake Shield, Indonesia

Sources

gizmologi.id/news/tech/vida-identity-stack-rilis-penipuan-... https://gizmologi.id/news/tech/vida-identity-stack-rilis-penipuan-deepfake-ai/amp/

To cite this page: Project AURION, AI Use-Cases Research & Innovation, "Deepfake and Liveness Detection in Digital Onboarding", https://aurion.semai.id/usecases/fin-deepfake-liveness-detection/, records of October 2026.