The Lending Link

Why is fraud getting harder to spot just as AI gets better at pretending to be human? In this episode of The Lending Link, host Nathan George sits down with Justin Keene, Ph.D., CEO and Co-Founder of Moveris, to explore one of the fastest-growing threats in digital onboarding and account access: deepfakes and AI impersonation. They talk about why old ways of spotting fraud, like checking device information, how people act, and even video checks to see if someone is real, are not enough anymore. As AI-powered attacks become smarter and easier to deploy widely, scammers can now bypass many of the checks that banks and lenders have relied on for a long time. Justin shares how Moveris tackles the problem in a new way by looking for real signs that a person is actually there, not just signs of trickery, using body and mind signals picked up by a regular camera. They also talk about how AI is changing the way fraud works, making smaller banks, credit unions, and lenders who work with people with lower credit scores more likely to be targeted. They explain why tricks like using stolen usernames and passwords, reusing old identities, and using fake videos to fool people are happening more often. They end by looking to a future where showing you are a real person and the same person each time could become the main way to prove who you are online, instead of using passwords, CAPTCHA, and other steps that slow things down.