KBZPay Delivers Exceptional UX and Security with Liveness Detection of HMS Core ML Kit - Huawei Developers

KBZPay is Myanmar's fastest growing mobile wallet app, enabling millions of people to store, transfer, and spend money directly from their smartphones. KBZPay is powered by KBZ Bank, a bank with a 40% market share in the domestic retail and commercial banking sectors. Moving into the digital age, KBZ Bank has worked with Huawei for years to build digital financial infrastructure and services for its users nationwide.
The Challenges
Mobile banking is balanced on three main demands: performance, convenience, and security. To move with future trends, KBZPay wants to provide the ultimate user experience built on trust and loyalty. This app is dedicated to delivering convenience to users, and ensuring that users know their private financial information is secure.
Specifically, users want hardened security for services like changing PIN or applying for a loan, and a streamlined process for verification, which was inconvenient. In most cases, users needed to call or even go to their bank in person for account verification.
In addition, KBZ Bank wanted to better leverage its internal resources, preventing them from being restrained by any limits.
Why HMS Core ML Kit
To improve their product portfolio, KBZPay browsed the offerings on HMS Core ML Kit, a toolkit with various machine learning capabilities. KBZPay settled on the liveness detection function, which captures and verifies user face data to determine whether a face is real or is a fake.
This function offers a range of features, including:
● Accurate verification: During the testing and implementation phases, liveness detection proved to be 99% accurate in identifying and verifying faces, helping to protect user accounts.
● Integrate once, use everywhere: Liveness detection enables users to change pins and passwords without calling or visiting KBZ Bank, ensuring higher UX.
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The Benefits
The liveness detection function makes verification much easier, allowing users to complete verification swiftly. KBZPay users can now verify their identity anywhere, anytime through the app which is secure against fake face attacks and does not require the user to take additional actions.
This cooperation between KBZPay and Huawei signals the first banking app in Myanmar to implement liveness detection from ML Kit. Looking forward, KBZPay plans to work with Huawei into other key scenarios, like login and loan applications.
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