Sybrin

Payments hub, clearing house systems and low code platform would all stay intact without models, a very large remainder. Models still sit inside regulated determinations: liveness gates whether remote account opening completes, and document fraud detection decides which files count as authentic.

Compliance Workspace and Case Builder give one place to investigate and resolve know your customer, screening and fraud cases, and Journey Builder lets the institution set where automation stops. Document fraud detection is marketed on reducing manual review, yet no confidence threshold, escalation rule or reconsideration route for a rejected applicant is published.

Test construction is published: FIDO biometric requirements version 1.1 and ISO/IEC 30107 parts 1 and 3, 12 subjects, 120 presentation attack instruments and 600 attacks outdoors. Error rates in either direction, validation summaries and drift monitoring are unpublished, and the 2021 evaluation predates models Sybrin calls continuously evolving.

Standard Chartered and KCB in Kenya give testimonials, and aggregate figures put check processing at 518,000 a month for 46 clients and EFT payments at 3.9 million a month for 51 clients. No figure is joined to a named customer, and the identity and fraud products report no outcome such as an approval rate change.

Whether captured selfies, liveness video or documents train its models, whether an institution can decline, and how data is separated across many institutions on one platform are not stated. The material is biometric, and the same platform runs national payment infrastructure.

ISO 27701 certification for privacy management is stated on the homepage, and the footer links a privacy policy and a PAIA manual under South African access to information law. Retention terms for selfies, liveness video and identity documents, a subprocessor list and cross border handling across its markets are not published.

Certificates linked from the footer back the stated ISO 27001 for information security and ISO 9001 for quality. A SOC 2 report, trust center or certificate scope does not appear on the homepage, and the Fime evaluation is a product test, not a security attestation.

National clearing house systems run with central banks and payment authorities put Sybrin inside the regulated payment system rather than beside it. It states no financial license of its own, and no regulator has tested the model layer itself.

Gender and racial bias for Asian, African and European ethnicities were part of Fime's 2021 testing of the passive liveness kit, which passed at attack levels A and B. Only a pass is published, not per group error rates, and the test covered spoof detection rather than face matching, where demographic disparity more often appears.

An applicant who fails a liveness check or document inspection has no published appeal route, and Sybrin publishes no accuracy guarantee or split of responsibility with the institution. Because Sybrin also runs payment infrastructure, a fraud determination can affect access to funds as well as to an account.

Image processing techniques and neural networks are the only description of the technology, with no base model, provider or externally sourced component named. Without a model or version identifier, a bank cannot record which model produced a decision it may later defend.

Rather than integrating with payment infrastructure, Sybrin supplies it, with a Payments Hub that consolidates high value, bulk and real time rails behind one interface insulating the institution from scheme changes. Its onboarding stack also embeds into account opening and straight through processing.

Cloud and on premises options are both stated, so an institution can keep biometric and payment data in its own environment. Neither the on premises path nor the cloud host or region is documented, and several of its markets require such data to stay in country.

Rates, tiers, licensing structure and trial terms are unpublished, and engagement runs through a consultation request. Infrastructure licensing for the payments hub and per check pricing usual for verification modules sit in one portfolio, so which model applies to each product is unknown.

Banks, insurers and telecom operators across Africa, the Middle East and South East Asia make up more than 100 customers in more than 20 countries. Material is organized by technology stack rather than institution type, and coverage outside these emerging markets is thin.