Swisscom and Aurigin.ai team up to make KYC faster, safer and fraud proof

The rapid digitalization of customer onboarding has turned KYC from a compliance formality into one of the largest fraud entry points in modern banking. 

Online identification is now four times more exposed to fraud than in-person verification, yet it remains the preferred and most cost-efficient channel for customers. 

KYC and fraud-prevention teams are under pressure to balance user experience, regulatory compliance, and rising fraud risk in an environment reshaped by generative AI. Voice and video deepfakes can now imitate customers or employees with convincing precision, bypassing traditional liveness or document checks. 

To address this, Swisscom Digital Trust and Aurigin.ai are collaborating to strengthen existing KYC processes with an additional layer of trust and fraud prevention, reinforcing the current framework through voice-based liveness verification and AI deepfake detection. 

Liveness checks in the age of AI

Most KYC systems still rely on visual cues, such as head movements, document tilts, or challenge questions, to confirm a person’s identity. These measures were effective against basic fraud but fail against today’s AI-generated faces and voices. Fraudsters no longer need stolen documents; an online video or short audio clip is often enough to create a convincing fake. 

With 30% of all fraud attempts happening at onboarding, the verification step has become the weakest link in the chain. Strengthening it is now a regulatory and operational imperative. 

The next KYC approach

This evolution would upgrade the Swisscom Sign identification process by adding audio liveness verification and voice fingerprinting exactly where risk is highest, at the moment of identity validation. 

Aurigin.ai analyzes a short voice sample in real time to determine if the speaker is human or synthetic. This closes the gap left by visual checks and prevents fraud attempts using AI-cloned or replayed voices. The result: a significant reduction in KYC-related fraud risk and compliance with the latest anti-spoofing and liveness verification standards set by regulators.

At the same time, this additional check strengthens the first-time-right rate of onboarding. Authentic voices are verified within seconds, without repeating steps or interrupting the user flow. For banks, this means higher security and operational efficiency, not more friction. 

From compliance to continuous trust

Once a customer’s voice is verified, a voice fingerprint is securely linked to their digital identity. What begins as a fraud-prevention measure during onboarding becomes a reusable trust anchor for future verification. 

When a verified customer contacts the bank’s call center, their live voice can be instantly matched against the registered fingerprint, confirming identity before any sensitive data or transactions are discussed. This removes the need for manual authentication questions and eliminates one of the most exploited weak points in customer verification. 

By extending verification beyond onboarding, this evolution turns a regulatory requirement into a continuous, low-friction trust framework, one that reinforces security with every interaction and aligns with EU and FINMA mandates for auditable liveness verification. 

Why now?

Generative AI has democratized fraud. What once required advanced technical skills can now be executed with consumer tools in minutes. 

To stay ahead, banks must evolve from detecting fake identities to proving authentic ones, reliably, repeatedly, and at scale. 

By embedding real-time voice authenticity checks into Swisscom’s identity infrastructure, Swisscom Digital Trust and Aurigin.ai will offer a pragmatic blueprint for the next phase of digital onboarding: faster for customers, more efficient for institutions, and resilient against AI-driven fraud. 

Swisscom Digital Trust and Aurigin.ai are now exploring, with selected financial institutions, to run pilots and operationalize this new approach. 

If your team is exploring stronger liveness verification or fraud prevention in KYC workflows, reach out at info@aurigin.ai to learn more.