I want you to build a Biometric Authentication with eKYC and facepay all in one app
with these feature built in software targeting banks and businesses . Are you
capable of developing?
Task in brief
Develop Ai web/app based with features:
Biometric Authentication with eKYC, AML -this feature it will be integrated into
banks apps, so create white for customization. Example of recognition/AML
and eKYC features on https://3divi.ai/use-cases/face-recognition-for-banks
Fingerprint -every Ghanaian with card has already fingerprint data on their
Ghana card
Face pay -Every Ghanian is connected to their bank account , so facepay will
be automatic , no need for password, fingerprint as signature
Target clients is banks for ATMs , fuel stations and malls
For example this bank Implemented their own facepay in Ghana for their clients my
target. Check it out https://www.accessbankplc.com/ways-to-bank/facepay
INTEGRATION: You will integrate API from https://nia.gov.gh/ , With this every
facepay transaction is 100% accurate because every bank account is
opened with biometric info on Ghana card.
CUSTOMIZATION: Fully customizable bank grade biometric system with real time NIA
API integration, localized for Ghana. Your solution should offer face pay ownership
flexibility.
WHITE LABEL: Offer white label options for banks making it easier to adopt, integrate
their ATMs, trust and scale securely.
Please NO generic face pay platforms
You will see this guys https://usesmileid.com/countries/ghana are already doing that
so we have to be different
The target audience is Africans, you need to direct Ai accuracy. You should build a custom
AI model for facial recognition trained on African facial data.
-Create A Tech Stack, Architecture
-Create UI/UX design focuses on enhancing user satisfaction by improving the usability,
accessibility, and overall experience of the app.
-Facepay should work offline capabilities just like ATMS work
-Use cloud for hosting and for processing
How our eKYC/AML should work
1.Biometric login SDKs
2.Face Matching
3.Liveness Detection
4.Fingerprint as e-Signature
How our facepay should work
1.The malls will have the app installed on their an android tablet /ipad with front
camera with our facepay app or their bank we work with.
2.Tablet is mounted at a convenient height for customers to scan. It works like a self-
checkout kiosk or handheld solution for attendants
3 .User face is scanned and transaction is completed. No password needed,
fingerprint as signature or YES.
However, banks will have it in their app on their website like
https://www.accessbankplc.com/ways-to-bank/facepay and their apps.
Our Facepay
Must have:
Face match (biometric)
ID OCR scan (front/back)
Liveness check
Dashboard for verification audit trail
Option to integrate with POS or mobile money
Speed of onboarding
Key Components of Facial Recognition Systems
1. Image Acquisition: This step involves gathering
facial images or video frames from multiple
devices, including cameras, security footage, and
mobile devices.
2. Preprocessing: For better feature extraction, raw
images are preprocessed to improve their quality
and standardize them. In this stage, methods like
normalization, alignment, and filtering are used.
3. Face Detection: Algorithms are used by the face
detection module to find and recognize faces in
preprocessed images. It makes sure that only
pertinent facial areas are processed further for
feature extraction.
4. Feature Extraction: In this phase, facial
landmarks and distinctive features are extracted
from the detected face. These features form the
basis of the facial signature used for comparison.
5. Face Database: For identification purposes, the
facial recognition system uses a database that
contains pre-registered faceprints of authorized
users or persons of interest.
6. Face Matching: The matching algorithm searches
for probable matches by comparing the derived
facial signature with the faceprints in the database.
7. Decision Making: The system applies a threshold
to the similarity score to determine whether the
face is a match or not.
8. User Interface: The user interface allows for
system and human interaction, delivering feedback
and authentication results.
FAQ
1. And also the idea or reference of how you want the interface of the system to
looks like .
It should look like https://www.bacegroup.com/ or https://usesmileid.com/
2. Details about regulatory compliance (e.g., GDPR, CCPA, AML/KYC laws in different
countries).
Band of Ghana has six (6) categories of PSP licences .
We fall under Payment and Financial Technology Service Provider (PFTSP)
1. Digital product development, delivery and support services;
2. Credit scoring predictive analysis;
3. AML/CFT centralised platform;
4. Fraud management services; and
5. Know-your-customer (KYC) and customer due diligence (CDD) authentication
services.
Permitted to connect to DEMIs, PSPs, Banks and Financial institutions.
https://www.bog.gov.gh/wp-content/uploads/2020/11/Notice-Payment-and-
Fintech-Service-Providers-_Final-26th-November-2020.pdf
3. This gonna be a web app right?, this will be compatible on devices through the use
of browsers and it will be mobile responsiveness.
Both web and app
4.Do you expect the system to work with existing hardware (e.g., regular webcams,
standard ATMs), or will specialized biometric devices be needed?
I think we should use regular smartphones cameras, webcams, standard ATMs
5.Should i build a custom AI model for facial recognition trained on African facial
data?
Yes absolutely. Western other than African skin tone is sometimes not accurate.
You can read more about it how others did it.
You can see this Ghana based software developers are doing just that
https://www.bacegroup.com/ . They developed their own facial recognition software, BACE
API, using artificial intelligence. In contrast to Western developers, they trained BACE API
using a MORE DIVERSE DATASET with a sizable representation of BLACK AFRICAN FACES
TO SUIT THE LOCAL MARKET.
One key strength of BACE API is that it’s able to verify a user’s identity remotely which is
particularly useful for financial institutions and other customer-facing industries whose
operations require identity verification at scale. It can be integrated onto existing apps and
systems and does not require special hardware. Another distinguishing feature of BACE API
is its use of live images or short videos to determine if images are of real people rather than
pre-existing photographs.
This guys also developed facial verification feature https://usesmileid.com/
You can read this article https://nubiral.com/facial-recognition-banking-and-fraud-face-to-
face/?lang=en
And this about face pay already in south Korea https://www.mobilityplaza.org/news/40384
When done with the app
Make a demo facial recognition working via tablet/phone or desktop webcam
Make merchant checkout simulation
