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September 17, 2026Future InternetOpen Access

An Explainable AI Framework for Identity Document Authentication in AML/KYC Verification

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Authors

ELEldeena Huey Yinn LimTCTee Connie

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Overview

Validation study demonstrates reliable forged document detection in mobile-captured identity records, indicating lightweight explainable models can secure identity verification pipelines.

Key Points

  • To develop and validate an explainable, lightweight AI framework for authenticating identity documents against visual and semantic manipulations in AML and KYC compliance environments.
  • Integrated handcrafted forensic feature extraction, optical character recognition (OCR)-based semantic field extraction, and Random Forest classification.
  • Trained and evaluated the system on selected MIDV-2020 subsets containing Albanian identity cards, Latvian passports, and Slovakian identity cards photographed under realistic mobile imaging conditions.
  • Achieved a recall rate of 92.31% on the held-out test set.
  • Attained an overall authentication accuracy of 84.85% while providing interpretable feature outputs without requiring computationally heavy deep learning models.

Cite This Study

Lim et al. (2026) studied this question.

synapsesocial.com/papers/6aabb8045f706d05830e7753https://doi.org/10.3390/fi18090485
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