Deepfake Authorization: A New Attack Surface for Card-Not-Present

Generative audio and video have crossed the threshold at which they can defeat naive voice biometrics and unsupervised KYC video flows. The response stack is consolidating around liveness detection, multi-modal challenge, and consortium intelligence.

The attack pattern is concentrated in account-takeover targeting high-value-purchase corridors and refund-fraud flows. Defenses that combine device intelligence with behavioral signals continue to outperform any single-modality control.