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Synthetic-Media Detection in Banking Identity Verification

Synthetic-media detection in banking identity verification operates at the intersection of generative artificial intelligence forensics, biometric liveness validation, and secure onboarding architecture. The integration of spatiotemporal neural networks and multimodal forensic checkpoints provides the primary defense against automated presentation attacks in remote financial services. Systematic alignment between algorithmic robustness, latency constraints, and evidentiary standards determines the operational resilience of modern digital banking infrastructure.

Цель работы

Evaluate the efficacy and integration criteria of multimodal synthetic-media detection architectures within banking identity verification pipelines.

Методология

Desk-based comparative synthesis of forensic deep learning models, eKYC validation benchmarks, and biometric anti-spoofing literature.

Научная новизна

Identification of structural failure modes in eKYC pipelines when processing hybrid spatial-temporal generative manipulations.

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Scientific Article

Degree:
Synthetic-Media Detection in Banking Identity Verification

Author:

Group

First M. Last

Advisor:

Dr. First Last

City, 2026

Contents

Abstract
Introduction
Taxonomy of Generative Media Artifacts in Financial Onboarding
Methodological Paradigms in Spatiotemporal Anti-Spoofing and Liveness Detection
Comparative Evaluation of Multimodal Forensic Pipelines in eKYC Systems
Vulnerability Profiles of Remote Biometric Verification Against Hybrid Manipulation
Operational Integration and Trust Architecture in Financial Identity Pipelines
Discussion of Latency Constraints, Adversarial Robustness, and Regulatory Compliance
Conclusion
Bibliography

Introduction

The rapid advancement of generative artificial intelligence has fundamentally compromised the integrity of remote customer onboarding pipelines across global financial institutions. Deepfake manipulations, spanning face swaps, facial reenactments, and voice synthesis, pose critical risks to remote electronic Know-Your-Customer (eKYC) architectures and biometric verification [1], [5]. Traditional authentication frameworks are increasingly susceptible to sophisticated synthetic artifacts that bypass legacy presentation attack detection mechanisms.

Evaluating the forensic validity of remote identification requires addressing structural vulnerabilities in static facial recognition and dynamic liveness protocols [2], [4]. Emerging synthetic media generation tools exploit temporal discontinuities and subtle spatial blend boundaries that evade standard verification filters [3], [5]. These vulnerabilities create systemic exposure for banking infrastructure, necessitating rigorous forensic architectures capable of distinguishing legitimate human biometric traits from algorithmically generated identity proxies.

This paper examines the integration of multimodal synthetic-media detection systems within banking identity verification frameworks to evaluate forensic reliability and operational feasibility. By synthesizing spatiotemporal deep learning models, liveness verification methods, and multi-layer trust protocols, the investigation delineates key architectural prerequisites for real-time fraud mitigation [1], [3], [4]. The resulting comparative framework establishes criteria for hardening banking verification pipelines against evolving generative media threats.

Discussion of Latency Constraints, Adversarial Robustness, and Regulatory Compliance

The integration of automated synthetic-media detection within financial onboarding environments introduces critical trade-offs between computational overhead, forensic fidelity, and evidentiary accountability. Current verification pipelines require deep neural architectures to simultaneously extract high-frequency spatial discrepancies and evaluate temporal continuity across dynamic facial streams [1]. While hybrid recurrent and convolutional frameworks demonstrate structural efficacy in isolating frame-to-frame inconsistencies generated by deepfake rendering engines [3], their deployment within remote banking systems remains bounded by strict real-time processing constraints. High computational complexity inherently increases latency during biometric capture sessions, which can degrade customer onboarding completion rates or incentivize financial institutions to adopt superficial screening thresholds. Furthermore, modern presentation attacks exploit diverse synthesis methodologies [5] that challenge the generalization capacity of static liveness detectors [2]. Addressing these vulnerabilities requires an architectural synthesis where multi-layer forensic models operate alongside decentralized verification protocols and explicit cryptographic trust anchors [4]. Without such structural alignment, biometric pipelines risk vulnerability to unseen generative perturbations, compromising both institutional regulatory adherence and automated fraud mitigation. A resilient identity infrastructure must therefore balance lightweight inference mechanisms with multi-stage verification checkpoints, ensuring that forensic verification operates within acceptable temporal limits without diminishing defensive robustness against adversarial synthetic artifacts.

References

  1. AI-Enabled Deepfake Forensics, Synthetic Identity Detection, and Media Authentication
    Murali Krishna Pasupuleti
    Ссылка на DOI
  2. Strengthening Facial Biometrics: An Innovative Approach to Liveness Detection for Anti-Spoofing
    Joy Shah, Het Soni, Khyati Amin et al.
    Ссылка на DOI
  3. DEEPFAKE DETECTION USING A HYBRID RESNEXT AND LSTM ARCHITECTURE
    Sarvar Maxmudjanov, Abbaz Primbetov, Axadjon Naimov
    Ссылка на DOI
  4. A Multi-Layer Trust Framework for Self-Sovereign Identity on Blockchain
    M Jyothi, et al
  5. DEEPFAKE CONTENT TYPES AND THEIR GENERATION METHODS
    Sarvar Maxmudjanov, Abbaz Primbetov, Ahadjon Naimov

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Статья

ГОСТ 7.32-2017 (Отчёт о НИР)