20 billion euros: this is the estimated cost of identity fraud in France in 2022 (source: Bpifrance). A figure that illustrates the scale of the phenomenon… but also the urgency to act, especially for financial services where onboarding has become 100% digital.
At QuickSign, document fraud is an issue handled every day. And even in the midst of the generative AI revolution, one thing remains true: humans remain an essential weapon.
Simplified journeys… but more vulnerable
Banking digitalization aims to make entering a relationship smoother, faster, and more pleasant. But this simplification of customer journeys also creates new breaches to secure.
Document fraud techniques are numerous:
- Counterfeiting: creation of a fake document from scratch.
- Falsification: partial modification of an authentic document (e.g., date of birth, photo, name).
- Use of stolen blank documents: official documents stolen before personalization, then illegally completed.
- Identity theft: the most common method, which consists of using another person’s identity – often difficult to detect without enhanced controls.
At QuickSign, anti-fraud relies on two pillars
The fight against fraud cannot rely on a single technology. At QuickSign, it relies on a combination of two complementary forces: humans and AI.
On one side, the Fraud Expert Bureau constitutes a dedicated team for the manual analysis of documents. These identity verification operators are experts who compare, for example, the photo on the identity document with the one captured during the journey. They are also trained to spot subtle discrepancies, sometimes invisible to machines, and to interpret anomalies in their context.
“A flaw on a document can be fraud… or simply a capture bug. Humans make the difference” – Mélanie QUACH, Head of Fraud Expert Bureau
On the other side, artificial intelligence intervenes as a detection tool. Algorithms are trained to identify inconsistencies in documents, highlight suspicious elements, and help classify doubtful cases. But it is essential to emphasize: AI is not meant to decide alone. It guides the analysis, but does not make the final decision.
A human/machine collaboration that continuously improves
At QuickSign, this collaboration takes the form of a virtuous circle. Fraud experts, on the ground, report atypical cases or new forms of falsification in real time. This feedback then feeds the work of data scientists, who adjust and enrich the AI models. Result: algorithms continuously improve, based on emerging fraud techniques.
But this dynamic is not frozen. Because fraudsters, too, evolve. They adopt the same technologies as us: generative AI, deepfakes, synthetic fake documents… They innovate, test, adapt. The fight is therefore permanent.
Conclusion: secure onboarding requires dual vigilance
The fight against document fraud is not a sprint. It is an endurance race. Faced with increasingly agile fraudsters, it is not enough to rely solely on technology, however advanced it may be. Humans remain an essential safeguard, capable of interpreting weak signals and stepping back to analyze.
At QuickSign, we are convinced that it is the alliance of AI and human intelligence that allows us today to offer onboarding journeys that are simple, fluid, and truly secure.
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Written by Nicolas G.
