SMIS · module 01
Social Media Identity Securitization
Continuous identity assurance after initial KYC. Social presence is evidence, never proof — SMIS reinforces bank authentication, velocity limits, fraud checks and AML controls rather than replacing them.
Assurance posture
Ananya Deshmukh · Retail customer · Pune · UPI + insurance
Identity assurance
98%
Takeover risk
12%
Deepfake risk
3%
Payment fraud risk
8%
KYC remains valid. SMIS reduces the live assurance score when device, SIM and payment behaviour diverge from the enrolled identity — the account is not de-KYC'd, its risk envelope tightens.
Entity-resolution graph
Two-hop traversal from the customer node
No adverse cluster within the traversal budget.
Signal table
Ensemble inputs, live
Deterministic outcome
What the bank is actually allowed to do
Identity valid
identity assurance 98% ≥ 90% floor
Authority valid
delegated authority 88% within mandate
Consent valid
active purpose-bound consent 96%
Policy valid
compliance 94%, cyber risk 9%
Risk within limit
fraud 8% ≤ 30%, trust 88% ≥ 60%
RBI control linkage
Where this module earns its place
- Fraud risk management — early-warning signals, red-flagging and timely fraud reporting are fed directly from the SMIS graph.
- Payment security — transaction and velocity limits, fraud checks and risk-appropriate authentication stay with the regulated entity; SMIS supplies the risk input.
- IT governance — model versions, thresholds and overrides are assurance artefacts under board-level IT governance.
- SMIS does not constitute KYC. Only an RBI-regulated entity, under its own approved framework, performs KYC.
AI risk narrative
Live reasoning over the current signal field
The deterministic layers above run without AI. Generate a narrative to add a plain-language explanation of the current state for reviewers and supervisors.