Chinese banks have started using micro-expression technology in an effort to spot the early signs of fraud in customers’ facial movements.
The banks are worried that some potential customers may be lying about the uses of loans, so they have developed systems that use smartphone cameras to detect minute facial expressions and indicate when a user is being economical with the truth.
Chinese banks are among the first in the world to use the technology commercially. Ping An, the financial services conglomerate, has developed the technology and is using it in its lending businesses. Western groups have so far shied away from the technology because of concerns about its reliability and the ethics of using it.
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