Client Review on Jumio Inc

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Summary - This product has massive security flaws, essentially it doesn't work and is easy to hack. Unfortunately for us we had already paid them $10,000 (which is their minimum pre payment), by the time we worked this out (details below). As a result we were never able to use their product, and they won't give us any of the money back. I think they are hugely unethical and a horrible business to deal with. You should avoid this company. They do not do the right thing by their customers.Detail:We have a Peer to Peer Car Sharing startup in Australia, and our original plan was to use Jumio to help us with the verification of our members.Around February/April 2015 we took out a test account with Jumio, and our CTO did a few very basic tests for a new system we were planning on building into our platform. After the tests, we thought that the product was going to suit our needs. In June 2015 we purchased $10,000 of credits based on that assumption that we were going ahead. We would have started with a smaller amount but Jumio only transacts in $10,000 blocks.In July/August 2015 we began attempting to develop jumio into our product, and during our live user testing and analysis of the results, we discovered that NetVerify couldn't meet our requirements in terms of a seamless upload experience for new members and reliability of fraud detection.Some of the issues we encountered during further testing were:- Facial matches were too easy to hack. Someone simply uploading a publicly-available Facebook photo would come back with a positive match, rendering the facial match score unreliable from a fraud perspective, and reintroducing the need for manual face matching on our side . Our developer did this and got a 94% match and it completely knocked the confidence out of us for the Jumio product.- The NetVerify upload process failed on too many occasions as clarity/lighting conditions were humanly readable but failed on the Jumio step. This made for a an problematic signup process for too many applicants. - We weren't able to upload the documents of our choice - we required a generic document upload where we could direct the user to upload a Medicare card or Passport as appropriate to their circumstances. - The tool wouldn't correctly isolate first / middle names on certain Australian states and thus fail on a name match when only the first and last names were provided. - During this time we concluded the NetVerify documents / face match upload didn't meet our preferred requirements and we were being forced to change our requirements to meet the capabilities of the tool, rather than the tool satisfying our requirements. For these reasons, and our tight timeframes, we built our own solution to collect the ID and driver licences and we are manually checking the faces.In Jan 16 (when our massive development efforts had reduced somewhat) we contacted our Jumio representative Kevin Mira requesting a return of the $10,000 in unused credits due to the above. Kevin never returned the email. After multiple attempts to different emails we finally got a response.I discussed our situation with Kevin and one of his superiors and we arrived at the following conclusions:-They agreed with me that all of our issues stated above were known issues/ weaknesses in the Jumio platform-They agreed that it would have been hard for us to know about these issues until we started full on developing against them.I have been informed by senior Jumio execs that Jumio is refusing to return any portion of the $10,000.I think that this is crooked and no way to run a business. Avoid them, use a more ethical company or build it yourself, as we found out, it's not all that hard!

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