Wait, are you proposing that the girl is a photo and the background is rendered? I like all your confident logic and examples… however, it is all incorrect. It’s 100% rendered, all 3D elements. Virtually all of the interior items are from BlenderKit, and the model is a modified Daz Genesis 8 figure with custom textures/shading, lighting, etc.
Below is a screenshot of the project in Blender.
Close up of face with hair particles on in Viewport:
Real-time EEVEE viewport of same scene. Hair is white because I’m using Principled Hair which isnt supported in EEVEE, and pink blotches on wall are the grease mark that don’t render right in EEVEE.