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Illustration: Sarah Grillo/Axios

Identity-verification startup Onfido is training its machine-learning system to reduce the bias that leads AI to make more facial recognition errors with dark-complexioned customers than those with lighter skin.

Why it matters: The pandemic-driven boom in telemedicine and fintech has made accurate remote identity-verification technology increasingly important, but these systems will only work fairly if they can identify customers of all races and ethnicities.

How it works: Onfido provides remote identity verification by analyzing the face on a government-issued ID document and comparing it to a freshly captured selfie or video.

  • The company's face-matching algorithm is able to use image recognition to determine whether the face in the selfie is the same as the one on the ID document, confirming identity for remote banking, admission into an event and more.
  • "Essentially, we're replicating what happens in-person in a bank branch and making it digital," says Husayn Kassai, Onfido's CEO.
  • That service that has become more valuable as the pandemic has pushed such interactions online.

By the numbers: Onfido has a market-leading false acceptance rate of 0.01%, which means there's only a 1 in 10,000 chance of incorrectly matching a selfie with an ID.

  • But while ID holders of European nationalities have a false acceptance rate of 0.019% and those in the Americas 0.008%, ID holders of African nationalities had a false acceptance rate of 0.038%.

Yes, but: Onfido's rate for African nationalities still represents a 60-fold improvement from a year ago — and that improvement required deliberate training.

  • Because Onfido has a much larger customer base in Europe, the dataset used to train the algorithm was unbalanced. With more light-skinned faces to learn from, the algorithm unsurprisingly performed best with light-skinned users.
  • To reduce bias, says Onfido's director of product Susana Lopes, the company "changed the way it trained the algorithm to help it learn from an unbalanced dataset."
  • Onfido is working with the U.K.'s Information Commissioner's Office to directly tackle facial recognition bias.

The bottom line: AI bias is almost invariably the result of bias in the real world. If companies offering AI solutions want to change that, says Kassai, they need to specifically "focus on fairness."

Go deeper

Bryan Walsh, author of Future
Aug 19, 2020 - Technology

How an AI grading system ignited a national controversy in the U.K.

Illustration: Eniola Odetunde/Axios

A huge controversy in the U.K. over an algorithm used to substitute for university-entrance exams highlights problems with the use of AI in the real world.

Why it matters: From bail decisions to hate speech moderation, invisible algorithms are increasingly making recommendations that have a major impact on human beings. If they're seen as unfair, what happened in the U.K. could be the start of an angry pushback.

Dion Rabouin, author of Markets
50 mins ago - Economy & Business

The European Central Bank and the market's moment of truth

ECB president Christine Lagarde; Photo: Chip Somodevilla/Getty Images

The biggest event for markets this week will be Thursday's meeting of the European Central Bank's governing council and the press conference following it from ECB president Christine Lagarde.

Why it matters: With interest rates jumping around the globe, investors are looking to central bank heads to see if they will follow the lead of Fed chair Jerome Powell, who says rising rates are nothing to worry about, or Bank of Japan governor Haruhiko Kuroda, who has drawn a line in the sand on rates.

Mike Allen, author of AM
2 hours ago - Politics & Policy

Manchin's next power play

Photo: "Axios on HBO"

Sen. Joe Manchin (D-W.Va.), America's ultimate swing voter, told me on "Axios on HBO" that he'll insist Republicans have more of a voice on President Biden's next big package than they did on the COVID stimulus.

The big picture: Manchin said he'll push for tax hikes to pay for Biden's upcoming infrastructure and climate proposal, and will use his Energy Committee chairmanship to force the GOP to confront climate reality.