欧美即将面临的KYB/KYC危机

发布时间: 2021-05-08

伴随着近年来的经济形势变化，我们可以预见，了解你的业务（KYB）将成为金融机构未来几年的主要痛点。不断攀升的欺诈率给银行和其他金融机构带来了巨大压力，他们开始采取行动，改善服务质量，并确保机构符合日益严格的监管要求。

全球经济中最明显的变化，也是由于COVID-19而加速的变化，就是向数字支付的转变，特别是通过账户对账户（A2A）支付和第三方金融科技供应商提供的即时支付。

Juniper Research的数据显示，截至2023年，B2B即时支付将增加30%。虽然这些数字支付与传统支付相比，结算速度更快且成本耕地，但它们有可能存在因技术薄弱带来的安全风险。因此，支付的安全性很大程度上取决于客户使用的中介机构。而其中一些中介机构对于支付方的尽职调查并不完善，这可能是近年来数字渠道中欺诈行为大量增加的原因之一。

无论是通过商业电子邮件入侵（BEC）还是渗透到应收账款（AR）和发票功能中以创建虚假的收件人公司，B2B支付欺诈正在急剧上升。来自Agari的新数据表明，仅在过去6个月，B2B支付欺诈就增长了300%以上。

事实上，如果没有通过KYB对收款人和付款人进行适当的识别，数字革命几乎算是在为欺诈者提供便利，就像它在帮助公司支付和获得报酬一样。

美国中小企业使用加密货币支付的比例正在以每月30%的速度上升，而加密货币的应用意味着识别交易各方的身份更加困难，因此数字欺诈也可能会因此恶化。

监管机构也意识到了数字渠道中与便捷和快速相伴相生的风险，并且采取了行动——欧洲的第五和第六反洗钱指令（AMD）正是为此而制订并且已经生效。同时，全球金融行动特别工作组（FATF）、美国联邦储备委员会和其他机构也有新的相关法规即将出台。

由kompany进行的研究表明，只有5%的金融机构有一个自动化的企业银行业务登记流程，75%的金融机构仍然依靠谷歌搜索来识别最终受益人（UBO）、年度申报和金融账户。

在一个即时、跨境商业交易愈发普遍的世界里，这种做法显然是不可持续的，金融机构必须采取行动以避免危机--特别是考虑到反洗钱法令的罚款在2019年和2020年之间增加了一倍以上。更好的KYB方案将帮助金融机构以较简单的手段和较低的成本达到有效反洗钱反欺诈的目的，同时降低风险和成本，为金融机构的企业客户实现数字革命。

原文：

A wide range of factors are converging to make Know Your Business (KYB) a major pain point for financial institutions (FIs) in the years ahead. Banks and other FIs must take action to reduce spiralling fraud rates, improve customer service and ensure they are compliant with increasingly stringent regulatory requirements.

The most obvious change in the global economy – and one that’s accelerated thanks to COVID-19 – is the move to digital payments, especially through account-to-account (A2A) payments and instant payments using third-party FinTech providers.

According to Juniper Research, B2B instant payments are set to rise by 30% to 2023.

While these digital payments offer the attraction of faster settlement times and lower costs compared to traditional payments, they run the risk of poor onboarding techniques and light KYB routines, depending on the intermediaries clients use.

Such poor due diligence on the part of some of these providers might explain some of the massive increases in fraud we’ve seen via the digital channel in recent years.
Whether it’s through Business e-mail Compromise (BEC) or the infiltration of Accounts Receivable (AR) and invoicing functions to create false recipient companies, B2B payments fraud is rocketing.

New data from Agari suggests that B2B payments fraud may have grown by more than 300% in the last six months alone.

Indeed, without proper identification of both recipient and originator through KYB, the digital revolution might be said to be enabling fraudsters as much as it is helping companies to pay and get paid.

With the use of crypto-currencies for payment in the SME segment rising by 30% a month, these problems could, if anything, worsen – given crypto’s well-publicised challenges with the identification of all parties in a transaction.

Recognising the risks associated with faster and instant corporate payments in digital channels, regulators have taken action. Europe’s 5th and 6th Anti-Money Laundering Directives (AMD) are now in force.

Better KYB solutions will help FIs to streamline their compliance with these regulations, not to mention new regulations forthcoming from the global Financial Action Task Force (FATF), the US Federal Reserve and other bodies.

Research undertaken by our partner firm kompany indicates only 5% of FIs have an automated B2B or corporate banking onboarding process, with 75% of FIs still relying on Google searches to identify Ultimate Beneficial Owners (UBOs), annual filings and financial accounts.

In a world of instant, cross-border business transactions, such practice is clearly unsustainable, and FIs must take action to avoid a crisis – especially given that AML fines more than doubled between 2019 and 2020. Reducing risk and cost, while enabling the digital revolution for your corporate customers – better KYB will make all of these outcomes possible.

本文内容转载自：Payment Intelligence paymentscardsandmobile.com

原文地址：https://www.paymentscardsandmobile.com/the-coming-crisis-in-kyc-and-kyb-explained/

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