Le Processus Know Your Customer (KYC)

The KYC process has become essential in several sectors. Finance, tech, blockchain... everyone complies. By verifying the identity of clients, risks are reduced. Fraud is avoided. Simple.

The numbers speak for themselves. 2024: about 4.5 billion dollars lost to fraud. Identity fraud? A major problem. KYC seems essential.

Where does KYC come from?

Tout a commencé après le 11 septembre 2001. La loi PATRIOT américaine. Une réaction. Les banques devaient soudain savoir qui étaient leurs clients. Vraiment les connaître.

What is the KYC actually for?

Check who the clients are. Assess the risks. Monitor their transactions. KYC goes further, in fact. It tries to understand the habits of the clients. A bit intrusive? Maybe. But it limits the risks of money laundering.

His impact on the market

KYC has transformed business. Accountability. Integrity. Words that matter now. From tech to banks, it's the foundation of every client relationship. It strengthens trust. Not always easy to implement, though.

Les nouveautés en matière de KYC

Digital is changing everything. KYC is also evolving. eKYC is gaining ground. Biometrics are becoming essential. AI detects fraud. Not perfect, but effective.

In 2025, the EU and Poland tightened their rules. Mandatory biometric verification. Liveliness checks. Privacy protection is a priority, it seems.

Processus KYC | Pertinence | Innovations --- | --- | --- Identity verification | Prevents identity theft | eKYC, biometric technology Surveillance des transactions | Détecte les activités inhabituelles | Solutions basées sur l'IA Risk Assessment | Prevents Financial Fraud | Data Analysis

In summary, KYC combats financial crime. It fights against identity theft. Digital transformation has made it faster. More reliable too. Finally, perhaps. Some experts remain skeptical.