FinCrime Insights Podcast #02 - User Present

In this episode, John Erik discusses the concept of “user present” with Bjørn Annaniassen. The purpose of this is to prevent fraud in situations where someone has taken over control of your digital identity, or in the cases of close relation fraud. By comparing a picture taken now, with a trusted sample collected earlier, we can ensure that the owner of the digital identity is the one using it now. This will of course introduce extra friction, but will typically only be used for high-risk transactions, where users will expect more friction.