金吾财讯 | Mitek Systems(MITK)周三宣布，已与全球领先的分析软件及信用评估巨头 FICO(FICO)建立战略合作伙伴关系。根据协议，Mitek 的“Verified Identity Platform® (MiVIP)”正式入驻 FICO® Marketplace。这意味着企业客户现在可以通过 FICO 的决策平台，直接调用 Mitek 的人工智能(AI)身份验证模型和数据服务。这一整合将原本独立的“身份验证”与“风险决策”环节进行深度互联，使企业能够在数字开户、账户恢复及日常身份验证等关键环节，实时捕捉欺诈信号并快速做出决策。随着AI技术演进，利用深度伪造(Deepfakes)、生物识别欺骗(Biometric Spoofing)及合成身份进行的欺诈手段日益猖獗。Mitek 首席运营官 Garrett Gafke 指出，企业急需将实时身份情报直接嵌入风险流，而非“事后补救”。此次合作旨在通过 AI 驱动的决策自动化，帮助金融、保险及电信等行业在降低欺诈损失的同时，减少对合法用户的干扰，优化用户体验。FICO 首席营收官 Jason Andrew 表示，过去身份验证与欺诈决策往往存在“孤岛效应”，导致企业承担了不必要的合规与运营成本。通过 FICO Marketplace 的分层决策能力，企业可以将身份保证转化为更快速、更自信的业务决策，从而在日益复杂的数字环境中提升盈利能力与客户满意度
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