SKS Helps SinoPac Bank Set a New Benchmark in AI Smart Access Control
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In support of government efforts to combat fraud and strengthen financial security, SKS assisted SinoPac Bank in implementing the "AI Facial Recognition Access Control Solution." By connecting AI facial recognition devices with access control systems, the automatic doors of ATM service areas are "locked." Customers are required to present their full face in order to "unlock" the door and gain entry. This approach not only protects public assets but also establishes a new standard for fraud prevention within the financial sector.
According to statistics from the Banking Bureau of the Financial Supervisory Commission, there are over 30,000 ATMs throughout Taiwan, offering convenient access for cash withdrawals. However, this convenience also facilitates the ability of fraud rings to withdraw illicit funds. SKS pointed out that ATM service areas typically lack access control, and "money mules" often enter wearing masks, sunglasses, or even helmets, makes it challenging for police to track these individuals down. The "AI Facial Recognition Access Control Solution" implemented by SinoPac Bank can identify within one second whether a customer’s full face is visible. If a customer is wearing a hat, mask, or sunglasses, these items must be removed before the ATM door will "unlock" for use. This policy reduces the likelihood of disguised money mules accessing the machine, serves as both a deterrent and warning, and assists in subsequent law enforcement investigations.
SKS noted that, to accommodate the diverse needs of users, the access control system provides voice prompts in both Chinese and English. Additionally, the wide-angle camera feature of the facial recognition device facilitates ease of use for wheelchair users, reflecting a commitment to user-friendly and socially inclusive services. This aligns with the modern financial sector's standards for "smart and inclusive" service delivery.
SKS emphasized that the system provides both convenience and stability, thereby generating significant interest within the banking industry. In the future, it is anticipated that the system will expand to encompass office buildings, medical institutions, and smart parks. This expansion will integrate entry/exit record systems along with notifications for abnormal events, thereby establishing a more comprehensive early warning management framework system. SKS added that the system can quickly determine whether facial features are distinctly visible. In the future, in compliance with relevant regulations, it may be paired with backend data to facilitate the comparison of abnormal behaviors and assess risk levels, proactively triggering alert mechanisms. This transforms traditional access control from "static guarding" to "smart decision-making," demonstrating the practical value of anti-fraud technology.
In February this year, the Financial Supervisory Commission convened banking industry representatives to propose advanced anti-fraud measures, including "full-face recognition for withdrawals," encouraging banks to adopt more sophisticated fraud prevention technologies. The solution implemented by SKS for SinoPac Bank directly addresses policy initiatives by enhancing identification and detection capabilities at ATMs, thereby strengthening existing security measures.