ID-Pal has introduced a major enhancement to ID-Detect, its multi-award-winning document-fraud detection tool, in a move to deliver stronger protection against deepfakes and digital manipulation.
The upgrade comes as financially regulated firms and payments providers face rising exposure to sophisticated fraud attempts driven by advances in artificial intelligence. According to the UK’s Minister of State for the Home Office, Lord Hanson, AI “will dominate the next four to five years” of the UK fraud landscape, underlining the urgency for stronger defences.
The partnership between ID-Pal’s verification platform and the enhanced capabilities of ID-Detect is designed to help financial institutions combat the rapid evolution of presentation attacks. These include spoofing attempts that rely on videos, masks, images or 3D models to impersonate genuine users—an area where traditional verification methods often fall short.
ID-Pal specialises in identity verification technology that enables enterprises to onboard customers securely through AI-powered fraud checks, biometric verification and document authentication. Its ID-Detect engine is a core part of this infrastructure, analysing identity documents to detect tampering, forgery and synthetic manipulation.
The latest enhancement expands ID-Detect’s ability to detect four key types of presentation attacks: screen-replay exploits, where stolen images or videos are reused; printed-copy attacks involving forged or reprinted documents; portrait substitution attacks that replace the photo on a genuine ID; and a strengthened capability to identify deepfake documents, synthetic identities and AI-generated forgeries.
The upgraded system leverages AI to analyse pixelation, texture anomalies and pattern irregularities, enabling rapid detection of manipulated or fabricated documents. When a fraudulent attempt is detected, ID-Detect automatically quarantines the file and provides clear reason codes, supporting faster and more assured decision-making for compliance teams. The reduction in false positives also supports smoother onboarding for legitimate users.
These developments come as global regulators, including FATF and the EBA, call for stronger controls against document tampering and synthetic identities. The payments sector continues to identify fraud and cybercrime as its most severe threat, with a recent report from The Payments Association revealing that 72% of firms view fraud as their top concern amid rising AI-enabled attacks.
Additional insight into the effectiveness of ID-Detect comes from Finset, the UK-based car finance platform. Having integrated ID-Pal to counter a rise in asset finance fraud, Finset has reported more than £3m in attempted fraud detected over two years, alongside improved compliance performance.
On the enhancement, ID-Pal head of product Rob Sheehan said, “Fraud teams are under huge pressure as AI threats are continuously evolving. This enhancement ensures our customers stay ahead of that curve. ID-Detect now provides some of the most advanced detection capabilities on the market, giving enterprises a powerful defence against AI-generated document fraud.”
ID-Pal CEO and Founder Colum Lyons said, “ID-Pal was founded to empower businesses with identity verification built with world-class technologies. With AI-driven document fraud the biggest threat our industry has ever faced, it is pivotal that businesses have robust tools to that detect and defeat against fraud at every entry point, while ensuring seamless compliance.”
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