Gen AI document forgeries are slipping past loan underwriters: What’s the fix?
By Vignesh Krishnakumar, CTO and Co-founder, HyperVerge
Underwriters once caught forged documents by sight because forgeries carried visible mistakes such as a soft hologram on an Aadhaar card, the wrong typeface on a PAN card, or a bank statement whose balances failed to reconcile. Generative image tools have removed those mistakes because a model can now produce an Aadhaar card, PAN card or even a six-month bank statement that is clear and consistent on the screen. Separating a real document from a fake one with a simple visual check is way more challenging than it was before generative image tools entered the picture.
Google released Nano Banana in August 2025 and it quickly became one of the most-used applications in the country. Researchers tested the newer version of the tool in December 2025 and found the output realistic enough to mislead and found that the visible watermark can be cropped...
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