The last time Philipp Pointner joined me on the podcast, AI was just a whisper on the horizon. We discussed the foundational role of digital identity in establishing trust between individuals and platforms. But fast forward to 2025, and the conversation has shifted dramatically. We're no longer just discussing verification for compliance. We're reckoning with synthetic identities, deepfake armies, and the growing push for reusable digital credentials.

In today's episode, Philipp returns to unpack how much has changed since 2022. As Chief of Digital Identity at Jumio, he's right at the intersection of where AI meets trust. Fraud has evolved from lone hackers into coordinated operations that run on an industrial scale. ID fraud is no longer a matter of bad actors copying documents. Its entire networks generate tens of thousands of AI-manipulated identities with the click of a button.

So, how are businesses adapting? Philipp breaks down the layered approach required for modern identity verification, touching on risk signals across various channels, including documents, devices, faces, emails, and more. He also points to an encouraging trend: cross-industry collaboration. Companies, regulators, and tech vendors are no longer working in silos. They are coordinating efforts to counter this new breed of threats.

But this isn't just about fraud. We explore how identity solutions are now a key part of improving onboarding, boosting customer satisfaction, and even reducing operational costs. With significant regulatory shifts underway in Europe, the UK, and the US, from mobile driver's licenses to national digital identity schemes, businesses can't afford to fall behind.

Philipp also tackles the AI paradox. The same technology that enables deepfakes is now critical for combating them. Jumio is using AI to detect fakes, verify liveness, and stay one step ahead of fraudsters. Biometrics, meanwhile, are becoming mainstream, not just in airports but as part of everyday onboarding and authentication.

If you're thinking about what identity means for your business in 2025 and beyond, this episode offers a practical, timely look at what's here now and what's coming next. Whether you care about compliance, conversion rates, or protecting your users, it all starts with knowing who you're dealing with. And increasingly, that requires more than just asking for a photo ID.

What role will your organization play in the future of digital trust?

167. Victor Wrede, Co-founder and CSO, Scrive – Leveraging partnerships to scale SaaS growth