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

This study investigates the development of an AI-driven document authentication framework for Anti-Money Laundering (AML) and Know Your Customer (KYC) verification environments. Conventional manual inspection and rule-based verification techniques often fail to detect sophisticated forged identity documents containing subtle visual or semantic manipulations. To address this limitation, the proposed framework combines handcrafted forensic feature extraction, OCR-driven semantic analysis, rule-based semantic field extraction and Random Forest classification to identify inconsistencies within identity documents captured under realistic mobile imaging conditions. Experimental evaluation was conducted using selected MIDV-2020 identity document subsets consisting of Albanian identity cards, Latvian passports, and Slovakian identity cards. The proposed framework achieved a recall rate of 92.31% and an overall accuracy of 84.85% on the held-out test set, while maintaining interpretable forensic feature analysis suitable for regulated AML/KYC environments. The results demonstrate that lightweight and explainable machine learning approaches can provide effective forged-document detection without requiring computationally intensive deep learning architectures.

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Publication Details

Journal
Future Internet
Published
2026-09-16
DOI
https://doi.org/10.3390/fi18090485
Primary Topic
Digital Media Forensic Detection
Type
article
Field-Weighted Citation Impact
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article

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

Tee Connie, Eldeena Huey Yinn Lim
Future Internet
Digital Media Forensic Detection
article

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

Tee Connie, Eldeena Huey Yinn Lim
article en

Abstract

This study investigates the development of an AI-driven document authentication framework for Anti-Money Laundering (AML) and Know Your Customer (KYC) verification environments. Conventional manual inspection and rule-based verification techniques often fail to detect sophisticated forged identity documents containing subtle visual or semantic manipulations. To address this limitation, the proposed framework combines handcrafted forensic feature extraction, OCR-driven semantic analysis, rule-based semantic field extraction and Random Forest classification to identify inconsistencies within identity documents captured under realistic mobile imaging conditions. Experimental evaluation was conducted using selected MIDV-2020 identity document subsets consisting of Albanian identity cards, Latvian passports, and Slovakian identity cards. The proposed framework achieved a recall rate of 92.31% and an overall accuracy of 84.85% on the held-out test set, while maintaining interpretable forensic feature analysis suitable for regulated AML/KYC environments. The results demonstrate that lightweight and explainable machine learning approaches can provide effective forged-document detection without requiring computationally intensive deep learning architectures.

Future InternetVol. 18(9)
Multimedia University (MY)
Peace, Justice and strong institutions
Openalex Percentile: Top 13%
Digital Media Forensic Detection
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