汤森路透：2024金融机构KYC（了解客户）自动化专家指南：提供无缝客户体验 降低开户风险（中译版）（17页）.pdf

1、The experts guide to KYC automationHow financial institutions can deliver a seamless customer experience,while mitigating onboarding risk 2IntroductionHow financial institutions can deliver a seamless experience,while mitigating onboarding riskThe COVID-19 pandemic has fueled a dramatic rise in the

2、use of digital banking products and services among consumers and businesses.Bank Administration Institute research into changing behaviors and attitudes finds that half of consumers have been using digital products more since the beginning of the pandemic,and 87%plan to continue to rely on these pro

3、ducts in the future.In-person activities,such as opening accounts and applying for loans,continue to decline as consumers shift to digital banking.Businesses and consumers value the ability to open accounts without enduring a long onboarding process.The financial services sector must find ways to de

4、liver a seamless customer experience across all channels while supporting the increased demand for digital banking tools.87%of consumers plan to use digital banking products in the future.3Top 3 consequences of AML/KYC non-compliance:1)Heavy penalties 2)Revenue losses 3)Reputational damageHow KYC/AM

5、L requirements affect customer identity verification for financial institutionsWhen a retail or commercial customer opens a new account or applies for a loan,financial institutions are required to follow ever-evolving know your customer(KYC)compliance processes.Firms use these procedures to verify t

6、he identity of a prospective client by collecting reliable documents and data from a range of sources and checking the information against external watch lists and public record databases.The goal is to verify that customers are who they say they are.In addition to ensuring regulatory compliance,KYC