London, November 20th 2025 – ID-Pal, a leading provider of AI-powered identity verification, has announced a major enhancement to its multi-award-winning document-fraud detection feature, ID-Detect, delivering even more powerful defences against digital manipulation generated by AI. This form of manipulation is one of the fastest-growing threats facing financially regulated enterprises and payments providers.
AI-fraud remains a global concern, with the UK’s Minister of State for the Home Office, Lord Hanson, confirming just this month that artificial intelligence “will dominate the next four to five years” of the UK fraud landscape.
As new techniques emerge, the risks facing financial institutions continue to rise. Among the most significant are presentation attacks: highly sophisticated spoofing attempts using videos, photos, masks or 3D models to impersonate real users.
Only AI-powered solutions can reliably detect and defeat the new wave of AI-generated fraud threats. ID-Pal’s acclaimed document-fraud detection feature, ID-Detect, has now been strengthened to safeguard against four distinct categories of presentation attacks, with latest enhancement delivering even more advanced detection of digital manipulation:
- Screen replay attacks – where stolen images or videos are reused to impersonate real users
- Printed copy attacks – involving forged, photocopied or reprinted identity documents
- Portrait substitution attacks – where the photo on a genuine ID is replaced or swapped
- AI-driven digital manipulation (enhanced) – including deepfake documents, AI-generated forgeries, synthetic identities and any tampering carried out with editing software
ID-Detect delivers world-class detection of emerging manipulation techniques, enabling businesses to identify tampered, fabricated or synthetically generated documents with greater accuracy and speed.
ID-Detect’s AI-driven document authentication engine spots evidence of digital manipulation and the markers of presentation attacks. Its models are trained to detect discrepancies such as pixelation, texture differences, pattern irregularities and other inconsistencies, ensuring screen-based fraud is flagged immediately and diverted away from the onboarding flow.
When a suspicious document is flagged, ID-Detect effectively “quarantines” it with a clear reason code, giving compliance teams detailed insights for faster, more confident decision-making. With reduced false positives, smoother onboarding for genuine customers and flexible configuration options, ID-Detect enables enterprises to protect against AI-driven fraud without creating friction for trusted users.
Together, these layers provide a comprehensive shield against AI-driven document fraud that reduces manual review, minimises business losses and supports frictionless customer experiences. The enhancement arrives as regulators, including FATF and the EBA, call for stronger controls against synthetic IDs, deepfakes and tampered documents.
The payments sector continues to cite financial crime and cybersecurity as its most pressing challenge. A recent report by The Payments Association showed that 72% of respondents identify fraud as their biggest concern, particularly in the face of rapidly evolving AI-enabled threats. With advanced generative tools now freely available, fraudsters can create sophisticated fake identities that bypass legacy verification systems. These enhancements to ID-Detect allow financial institutions and enterprises to stay ahead of AI-fraud and future-proof their compliance processes.
The effectiveness of ID-Detect is evident with UK car financing platform Finset, which integrated ID-Pal to counter a surge in asset finance fraud. ID-Detect has caught fraud valued at over £3 million in just two years for Finset, while improving compliance with regulatory requirements and adding operational efficiencies.
On the enhancement, ID-Pal Head of Product Rob Sheehan shares:
“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 adds:
“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 that detect and defeat against fraud at every entry point, while ensuring seamless compliance.”
For more information on ID-Detect, visit ID-Pal
