# PAMP Face Recognition AI PAMP Face Recognition AI is the biometric identity verification platform within the Digital & AI Division, providing facial recognition, liveness detection, document verification, and secure authentication services across the entire PAMP ecosystem. The platform powers KYC (Know Your Customer) onboarding for PAMP Pay and Wallet, driver and courier verification for PAMP Cabs and Last-Mile, service provider authentication for PAMP Home Services, and secure login for all subsidiary applications. Built on a multi-cloud AI infrastructure (AWS Rekognition, Azure Cognitive Services, GCP Vision AI) with proprietary models trained on diverse African facial datasets, the platform addresses the critical identity verification gap in African markets where traditional ID infrastructure is fragmented and unreliable. ## Business Model PAMP Face Recognition AI operates a **verification-as-a-service model** with internal ecosystem usage and external API monetization: - **Internal Per-Verification Fee**: Each subsidiary pays a per-verification fee ($0.05–$0.15) for KYC, authentication, and identity checks — charged back through the internal FinOps model - **External API Licensing**: Banks, fintech companies, telcos, and government agencies purchase API access for identity verification, KYC compliance, and fraud prevention - **Enterprise Contracts**: Annual contracts with large organizations (banks, insurance companies, government agencies) for high-volume identity verification - **Liveness Detection Premium**: Advanced liveness detection (anti-spoofing) charged as a premium add-on for high-security use cases - **Document Verification Bundle**: Combined face + ID document verification package for full KYC onboarding - **Watchlist Screening**: AML/sanctions watchlist screening integrated with facial recognition for compliance-heavy clients & Extraction"] LIVE["Liveness Detection
(Anti-Spoofing)"] MATCH["Face Matching
(1:1 Verification)"] OCR["Document OCR
& Validation"] RISK["Risk Scoring
Engine"] STORE["Encrypted Biometric
Template Store"] end subgraph "Ecosystem Consumers" PAY["PAMP Pay
(KYC Onboarding)"] WALLET["PAMP Wallet
(Account Verification)"] CABS["PAMP Cabs
(Driver Verification)"] LASTMILE["PAMP Last-Mile
(Courier Verification)"] HOME["PAMP Home Services
(Provider Verification)"] MKT["PAMP Marketplace
(Seller Verification)"] end subgraph "External Clients" BANK["Banks & Fintech"] GOVT["Government Agencies"] TELCO["Telcos"] end SELFIE --> DETECT DOC --> OCR VIDEO --> LIVE DETECT --> MATCH LIVE --> MATCH OCR --> MATCH MATCH --> RISK RISK --> STORE RISK --> PAY RISK --> WALLET RISK --> CABS RISK --> LASTMILE RISK --> HOME RISK --> MKT RISK --> BANK RISK --> GOVT RISK --> TELCO style DETECT fill:#ef4444,stroke:#dc2626,color:#fff style MATCH fill:#8b5cf6,stroke:#7c3aed,color:#fff style RISK fill:#f59e0b,stroke:#d97706,color:#fff style STORE fill:#3b82f6,stroke:#2563eb,color:#fff `} /> ## Total Addressable Market (TAM) Africa's digital identity verification market is growing rapidly, driven by fintech expansion, regulatory KYC mandates, and the need for reliable identity infrastructure in markets where national ID systems are incomplete. ## Pricing Structure 100K/mo)" }, { service: "1:1 Face Verification", internal: "$0.05", external: "$0.15", enterprise: "$0.08 (>100K/mo)" }, { service: "Liveness Detection (Passive)", internal: "$0.03", external: "$0.10", enterprise: "$0.05 (>100K/mo)" }, { service: "Liveness Detection (Active Video)", internal: "$0.08", external: "$0.25", enterprise: "$0.12 (>100K/mo)" }, { service: "Document OCR + Validation", internal: "$0.04", external: "$0.12", enterprise: "$0.06 (>100K/mo)" }, { service: "Full KYC Bundle (Face + Doc + Liveness)", internal: "$0.12", external: "$0.35", enterprise: "$0.18 (>100K/mo)" }, { service: "Watchlist / Sanctions Screening", internal: "$0.06", external: "$0.20", enterprise: "$0.10 (>100K/mo)" }, { service: "Continuous Authentication (per session)", internal: "$0.01", external: "$0.05", enterprise: "$0.02 (>100K/mo)" } ]} caption="PAMP Face Recognition AI — Per-Verification Pricing" filterable={true} /> ## Operating Model PAMP Face Recognition AI operates as a **centralized AI platform** with a dedicated engineering team managing model development, infrastructure, and compliance: - **ML Research Team**: Develops and fine-tunes facial recognition models with emphasis on diverse African facial features, skin tones, and lighting conditions — addressing the well-documented bias in Western-trained models - **Platform Engineering**: Manages multi-cloud AI infrastructure (AWS Rekognition, Azure Face API, GCP Vision AI) with intelligent routing based on cost, latency, and accuracy per region - **Anti-Fraud Team**: Continuously updates liveness detection and anti-spoofing models to counter deepfakes, printed photos, and screen replay attacks - **Compliance & Privacy**: Ensures biometric data handling complies with POPIA, NDPR, GDPR, and country-specific biometric data regulations — including consent management, data retention policies, and right-to-deletion workflows - **Integration Team**: Maintains SDKs (iOS, Android, Web) and REST APIs for seamless integration by internal subsidiaries and external clients - **Biometric Template Security**: All biometric templates are encrypted (AES-256), stored in country-specific vaults, and never transmitted in raw form >App: Initiate KYC / Login App->>SDK: Launch camera capture SDK->>User: Guide face positioning User->>SDK: Capture selfie + liveness SDK->>API: Submit encrypted image API->>ML: Face detection + extraction ML->>ML: Liveness check (anti-spoof) ML->>Store: Compare biometric template Store->>Risk: Match score + confidence Risk->>Risk: Apply risk rules Risk->>API: Verification result + risk score API->>App: Approved / Rejected / Manual Review App->>User: Display result `} /> ## Regulatory Notes | Market | Regulatory Body | Key Requirements | |--------|----------------|------------------| | South Africa | POPIA, FICA | Biometric data classified as special personal information under POPIA — requires explicit consent, purpose limitation, and enhanced security. FICA mandates KYC for financial services | | Nigeria | NDPR, NIMC | Nigeria Data Protection Regulation governs biometric processing. National Identity Management Commission (NIMC) manages NIN — integration required for government-grade verification | | Kenya | DPA 2019, NIDA | Data Protection Act requires registration for biometric processing. National Integrated Identity Management System (NIIMS/Huduma Namba) provides national ID infrastructure | | Morocco | CNDP, Loi 09-08 | Prior authorization required from CNDP for biometric data processing. Strict purpose limitation and data minimization requirements | | DRC | Draft Biometric Law | Emerging biometric regulation — platform must implement consent-based processing and prepare for evolving requirements. Limited national ID infrastructure increases reliance on biometric verification | | Senegal | CDP, ECOWAS | Biometric data processing requires registration with CDP. ECOWAS biometric ID card program provides regional identity infrastructure | | Ghana | DPA 2012, NIA | Data Protection Commission oversight for biometric processing. National Identification Authority (NIA) manages Ghana Card — integration opportunity for government-grade KYC | **Biometric Data Policy**: All biometric templates are stored encrypted in country-specific vaults. Raw facial images are deleted after template extraction (configurable retention: 0–90 days based on regulatory requirements). Users can request deletion of biometric data at any time. ## SWOT Analysis ## Competitive Positioning **Key Differentiator**: PAMP Face Recognition AI combines **African-optimized ML models**, **native ecosystem integration** across 32 subsidiaries, **per-country biometric data sovereignty**, and **aggressive pricing** — positioning it as the most cost-effective and accurate identity verification platform purpose-built for African markets. ## KPI Dashboard