Podcasts about ekyc

How did Innov8tif transform from a bootstrapped startup to serving 70% of Malaysia's telecommunications and banking sectors? In this episode of Open For Business, we speak with George Lee, Founder and CEO of Innov8tif Solutions, about the company's journey, their groundbreaking innovations like IC microprint verification, and the announced RM40 million strategic partnership with Datasonic Group.George has been nominated for the EY Entrepreneur of the Year 2024 Malaysia awards in the Technology Entrepreneur Category.George shares insights into the challenges of scaling a tech business, the evolving eKYC landscape, and Innov8tif's plans to expand regionally while maintaining its leadership in secure digital onboarding. Among other things, we get into:- Entrepreneurial Journey: How George Lee and his co-founder started Innov8tif with RM60K, and how they moved from software development and consultancy and into the eKYC business.- Innovation in eKYC: Innov8tif's patented solutions, such as IC microprint verification, and their impact on secure digital onboarding.- Market Leadership: Serving 70% of Malaysia's telco and banking sectors and the strategies behind maintaining this dominant position.- Strategic Acquisition: Insights into Datasonic Group's RM40 million acquisition and how it will drive Innov8tif's growth and innovation, as well as advice on strategic partnerships.

「PayPay」登録ユーザー数が6500万を突破　会員の半数近くが本人確認（eKYC）を完了。　PayPayは8月13日、キャッシュレス決済サービス「PayPay」の登録ユーザーが8月10日時点で6500万人を超えたことを発表した。本人確認（eKYC）済みユーザーも3000万人を超えているという。

The process of evaluating applications for Know-Your-Customers (KYC) demands significant time, effort, and resources from both sides of the business. AuthMe effectively addresses these challenges through its patented technologies, streamlining onboarding with their eKYC solutions powered by Biometric ID verification, Facial Recognition, Liveness Detection, and complemented by Fraud Detection capabilities. This integrated approach efficiently identifies altered documents, spoofing attempts, unusual IPs, applications, and behaviours. Amid the intricacies of establishing identity verification for a virtual bank, Authme triumphantly launched its solution in 2020. This achievement played a pivotal role in propelling LINE Bank to its status as the premier internet-only bank in 2021. We are delighted to welcome Kuo Chan Tseng, COO and Co-Founder of Authme, to our show to share his philosophy and reveal the inspiring stories that have contributed to Authme's success. In this episode of Startup Island Taiwan Podcast, you will find out: ☛ Three issues that make KYC (Know Your Customer) challenging ☛ Photoshop is the most prevalent approach to commit synthetic ID nowadays, and it has advanced in recent years with the help of AI ☛ Regulation is always a couple steps slower than technology, but it also means that the government provides a buffer that allows tech companies to evolve without harsh oversight ☛ During 7 years of work and living in Indonesia, Kuo Chan noticed a tremendous opportunity that 50% of the population is not on the list of bank systems ☛ Computer science engineers, particularly in the AI field, have been difficult to recruit for Authme in Taiwan in recent years because everyone is hiring Host: Asianometry, Deep tech channel with 526k followers, still growing Guest: Kuo Chan Tseng, COO & Co-founder of Authme Powered by Startup Island TAIWAN Directed by National Development Council Produced by Meet Global by Business Next Media

Let's talk about digital identity with Elizabeth Garber and Mark Haine, co-editors of the Global Assured Identity Network paper. In episode 95, Elizabeth Garber and Mark Haine, who were editors on the Global Assured Identity Network (GAIN) paper, join Oscar to share the latest updates for GAIN, including recapping what GAIN is, the challenges that have been faced, alongside successful case studies and what developments we can expect to see for the future of GAIN. [Transcript below] "It's all interconnected with standards development and has a really big impact on how identity systems will work, interoperable, in years to come." You'll remember Elizabeth Garber, who was one of the lead editors of the GAIN paper - we interviewed her in episode 52 (back in October 2021). Elizabeth has a long background in Customer Strategy and Product Management. She has also led the Open Digital Trust Initiative at the Institute of International Finance and co-chairs the OpenID Foundation's GAIN technical proof-of-concept, which strives to create globally interoperable networks for exchanging high-assurance identity information. Since we last interviewed her, she co-founded IDPartner, a venture-backed startup that puts people in control of their digital identities. It will be a key player in any Global Assured Identity Network (GAIN) as interoperable networks begin to flourish. Elizabeth and Mark recently published a draft paper for the OpenID Foundation called “Human-Centric Design: a primer for government officials” which is all about how to design identity systems to sustain and promote human rights. It is open for public comment - and may feature on a future episode. You can find it on the OpenID Foundation website and blog, openid.net. Connect with Elizabeth on LinkedIn. Mark is an engineer and entrepreneur who has focussed his career on building solutions that enable business and mitigate risk in financial services. Through Considrd.Consulting Ltd. Mark and his team are providing strategic security consultancy to a range of clients. He has also taken on a leadership role in the OpenID Foundation as Co-Chair of the eKYC & Identity Assurance Working Group and is a co-author of OpenID Connect for Identity Assurance specification.  Mark also is a board member of the Open Identity Exchange. Connect with Mark on LinkedIn. We'll be continuing this conversation on Twitter using #LTADI – join us @ubisecure! Go to @Ubisecure on YouTube to watch the video transcript for episode 95. Podcast transcript Let's Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello, everyone. You will remember Elizabeth Garber, who was one of the lead editors of the GAIN paper. We interviewed her in episode 52, late in 2021. Elizabeth has a long background in customer strategy and product management. She has also led the Open Digital Trust Initiative at the Institute of International Finance, and she co-chairs the OpenID Foundation's GAIN technical proof-of-concept. Since we last interviewed her, she co-founded IDPartner, a venture backed Start-Up that puts people in control of their digital identities. This will be a key player in any global assure identity network, as interoperable networks are beginning to flourish. We have a second guest. Our second guest today is Mark Haine. He is an engineer and entrepreneur who has focussed his career on building solutions that enable business and mitigate the risk in financial services through Considrd.Consulting Ltd. Mark and his team are providing strategic security consultancy to a range of clients. He has also taken on a leadership role on the OpenID Foundation as co-chair of the eKYC and Identity Assurance Working Group and is co-author of OpenID Connect for Identity Assurance Specification. Mark also is a board member of the Open Identity Exchange. Elizabeth and Mark recently published a draft pape...

3日間で破綻したシリコンバレーバンク。アメリカで投資事業を行っている関さんと投資先企業にとっての影響を振り返りました。また、アメリカの銀行の手違いで法人口座が凍結されてしまったときに起こる不便の数々と、その長すぎる復旧過程の実体験についても話しました。 0:54 アメリカ・カリフォルニア州では一年ずっと夏時間にするという投票があったらしい 1:36 夏時間はめんどくさいとアメリカ人も思っている 2:42 アメリカの低緯度の州ではサマータイムがないところがある 3:38 夏時間への切り替え、冬時間への切り替えの実際。自動で調整されるものと手動で直すもの 4:54 iOS待ち受け画面で天気ウィジェット表示が便利 10:08 シリコンバレーバンクの破綻と、自身への影響 11:54 シリコンバレーのスタートアップ企業の銀行口座開設プロセス 15:00 本人確認書類の方法が便利になってきた（eKYC、携帯電話で本人確認） 19:12 中国での本人確認、決済手段を手に入れるのが一苦労。中国の銀行口座がないと電子マネーに入金できない 20:58 ニューヨークの地下鉄はクレジットカードで乗車可能 23:17 海外に行ったとき、その地域で使える決済手段を通知してくれる（iPhoneの）機能は便利 25:28 Suicaが東北三県に広がった 28:15 法人の銀行口座が凍結されて身動きがとれなくなった問題（関さん実体験） 29:15 Chase銀行にあった口座が凍結になり、身分確認のミス、銀行内の伝達ミス、書類不備、手続き不備がさらに重なる 34:40 アメリカの四大銀行のシステムはものすごく使いにくい 35:58 保証金額は25万ドルまでだが、預ける銀行を分散させれば200万ドル保持することができる 37:46 三菱UFJフィナンシャルグループ（MUFG）のFinTech アクセラレーターは、もはやFinTechだけではない 38:20 シリコンバレーバンク破綻のニュースの日本への影響 39:32 欧州銀行とシリコンバレーバンクは財務状況も違うし飛び火しないだろうが、金融危機は連鎖が怖い 40:18 シリコンバレーバンクは3日間で破綻し、でもその週末内に対応策まで出たというスピード感で進行リンク：トーク中で取り上げた記事や情報へのリンクです。 銀行口座が使えなくなるインパクト 〜 Silicon Valley Bank破綻で見えてきたリスクとFintech系ネオバンク：https://syncworld.net/nseki/archives/2023/03/banking-alternative.htmlプロダクトマネジメントとプロダクト開発組織づくりを専門とする及川卓也。アメリカ・ニューヨークでスタートアップ投資する関信浩。マーケティング・広報・プロダクトマネジメントを幅広く手掛ける上野美香。テクノロジー業界で働く3人が、気になる話題を毎回、異なった視点で語り合います。XCrossing website https://x-crossing.com/XCrossing Official Twitter @x_crossing_及川卓也 @takoratta関信浩 @NobuhiroSeki上野美香 @mikamika59

The CEO and founder of ShareRing, Tim Bos, is the guest on this episode of the DeFi Download with host Piers Ridyard. Some of the subjects covered include how blockchain technology may benefit identity verification, how ShareRing manages the storing of personal information, and what the future holds for digital ID.  ShareRing is a digital identity blockchain system with features that enable its users to utilise their digital ID in the real world.The ShareRing platform does this by providing users with a highly secure Personal Information Vault where they may securely store encrypted personal information. [01:03] The ShareRing experience, viewed from the user's perspective [03:38] How can ShareRing enhance the user experience of possessing a digital identity and utilising it to attend an event? [06:39] How difficult is it for the events industry to ensure that no one under the age of 18 is permitted entrance to an event and to verify an individual's identity? [08:20] How does ShareRing handle user-generated friction, such as the need that tickets be downloaded and shown at the event entrance? [10:17] How might blockchain technology aid in the management of verifiable identities? [12:53] How does eKYC work? [17:21] Does ShareRing intend to handle anti-money laundering from the standpoint of the source of wealth and funds, as well as the regulatory requirements that must be met in order to deposit funds in a financial marketplace?[18:41] How does the process of exchanging data between institutions like banks work?[22:52] How are digital documents stored and managed within the ShareRing Vault? [24:00] Can ShareRing do PEP and sanctions checks? [25:38] From the perspective of having verifiable credentials, a large portion of ShareRing's work is structured in accordance with the W3C's standards for decentralised identifiers (DIDs) [26:38] What hurdles did ShareRing need to overcome in order to design credentials compliant with W3C specifications?[28:28] The process of integrating standards and overcoming the issue of coping with continuously emerging ones [30:10] From a philosophical standpoint, doesn't ShareRing's work contradict the ideals of public ledgers, complete pseudonymity, and the ability to transact without identifying oneself? Why is it important to have an actual identity when you can have things like soulbound tokens (SBTs) and reputation that don't have to relate to a real-world identity? [32:02] Does a soulbound token offer a reference to an on-ledger zero-knowledge proof about a person, or is each soulbound token a unique issuance that depends on what you wish to prove? [33:59] What is ShareRing's primary business growth strategy? [38:41] What is ShareRing's approach to doing business? [39:32] What is the definition of a transaction in the ShareRing ledger? [41:11] How can ShareRing and the institutions with whom it partners ensure that the method of document verification is accurate? [44:12] Hackathons hosted by ShareRingFurther resourcesWebsite: sharering.network Twitter: @ShareRingGlobal, @TheRealTimBos

povo2.0が「eSIMクイック転送」に対応　eKYC不要で再発行可能に。　KDDIは9月13日、オンライン専用プラン「povo2.0」が「eSIMクイック転送」に対応したことを発表した。チャットからの手続きは不要で、全てiPhone上で完結する。

「ファンズ、口座開設の本人確認にeKYC導入。開設日数が最短1営業日に」　固定利回り投資の資産運用サービス「Funds（ファンズ）」を運営するファンズ株式会社は9月7日からFundsの口座開設における本人確認にオンライン本人確認サービス「Polarify eKYC」を導入した。Polarify eKYCは株式会社ポラリファイが提供する技術を採用しており、本人確認がウェブで完結、 最短1営業日で口座開設を完了できる。The post ファンズ、口座開設の本人確認にeKYC導入。開設日数が最短1営業日に first appeared on 金融・投資メディアHEDGE GUIDE.

EKYCなど本人確認業務に必要なツールを一括導入可能に by bp-Affairs

EKYC活用サービスによりバックオフィス業務をDXする by bp-Affairs

When was the last time you switched banks? Yeah…and how did that go…? Imagine being able to skip all those steps needed to switch your bank. I bet it took a frustrating amount of time to switch. So many forms to fill, so many people to talk to, so many places to go or appointments to make or lines to stand in. Now, you can skip all those steps! Your new bank can get all the information they need from your old bank and set it all up for you. But this is only one of the many perks of Open Banking. Meet Jamie Leach Jamie's Role as a Data Science Leader at FDATA Jamie K Leach is the Chapter Lead ANZ of FDATA. FDATA is a not-for-profit global association for financial services companies operating in Open Banking and Open Finance. They work with government, regulatory authorities, and financial industry stakeholders in their mission to open up Australia's and New Zealand's financial sector and the greater Consumer Data Right to the benefits of financial data and technology. Their members provide innovative financial applications and services to empower customers to make better decisions and take fuller control of their financial lives. Jamie's Other Work in the Data Science Industry Jamie's corporate background is diverse; ranging from strategy and project management, general management, corporate and investment banking, defence, spatial, and economics, as well as leading development and data/technology companies through capital-raising and global expansion. She is incredibly passionate about the transformative potential of data. She believes that access to quality data at all levels enables more transparent thought-processes and better decision-making through data-driven decisions. Other than her role at FDATA, Jamie is currently a Board Chair at GridQube, an External Consultant with Tony Blair Institute for Global Change, a Digital Identity, eKYC and Financial Inclusion at The World Bank and at the United Nations Capital Development Fund, and the Founder of Open Data Australia. Opening Banking, Open Data, and Innovation In this exclusive analytics podcast episode, Jamie shares: The effects of Covid-19 on the world of Open Data and Data Sharing across the globe Where each country is currently at with Big Data What exactly is the concept of Open Banking and Open Data What led to the concept of Open Banking in different regions How Open Banking creates a more fair and ethical landscape for financial services Improving financial literacy with Open Banking How Open Banking is paving the way for startups and innovation The benefits of Open Banking on banks themselves What the concept of Open Banking means for data analytics professionals Whether Open Banking has been successfully implemented in any country Advice for startups and innovators who want to adopt Open Banking or Open Data If you are an executive working in the financial sector or a data analytics professional looking to implement open banking or open data, this is the episode you do not want to miss out on. --- Send in a voice message: https://anchor.fm/analyticsshow/message

Let's talk about digital identity with Nat Sakimura, Chairman at the OpenID Foundation. In episode 59, Nat returns to the podcast to explore Financial-Grade API (FAPI), the base security protocol for UK Open Banking, Australian Consumer Data Standard, and Brazil's Open Banking. He discusses why and how FAPI was formed; what exactly FAPI is – including technical characteristics; how FAPI is used today; and future plans for the specification - as well as how it connects to GAIN. [Transcript below] "The data economy needs a secure and interoperable data network. And we are finally getting there with FAPI and eKYC standards. So, you guys need to get ready for the ride. It's the time. You need to start acting, start preparing for that." Nat Sakimura is a well-known identity and privacy standardisation architect and the representative partner of NAT Consulting. Besides being an author/editor of such widely used standards as OpenID Connect, FAPI, JWT (RFC7519), JWS (RFC7515), OAuth PKCE (RFC7636) ISO/IEC 29184, ISO/IEC 29100 Amd.1, he helps communities to organise themselves to realise the ideas around identity and privacy. As the chairman of the board of the OpenID Foundation, he streamlined the process, bolstered the IPR management, and greatly expanded the breadth of the Foundation spanning over 10 working groups whose members include large internet services, mobile operators, financial institutions, governments, etc. He is also active in the public policy space. He has been serving in various committees in the Japanese government, including the Study Group on the Platform Services of the Ministry of Internal Affairs and Communications and the Study Group on the competition in Digital Market of the Fair Trade Commission of Japan. Find Nat on Twitter @_nat_en and LinkedIn. Nat also appeared in episode 54 of Let's Talk About Digital Identity, discussing how OpenID Connect took over the world. We'll be continuing this conversation on Twitter using #LTADI – join us @ubisecure!     Podcast transcript Let's Talk About Digital Identity, the podcast connecting identity and business. I am your host, Oscar Santolalla. Oscar Santolalla: Hello and welcome to the first episode of Let's Talk About Digital Identity for this New Year 2022. And we have a very special guest who has been in very short clips in an episode we had in October, very recently in October. A very special episode, a storytelling episode called How OpenID Connect took over the World, and today's guest was there. We are talking about our super special guest called Nat Sakimura, one of the creators of the OpenID Connect standard. Nat Sakimura is a well-known identity and privacy standardisation architect and a representative partner of NAT Consulting. Besides being an author and editor of such widely standards such as the OpenID Connect, FAPI, JWT, OAuth PKCE among others, he helps communities to organise themselves to realise the ideas around identity and privacy. As the chairman of the board of the OpenID Foundation, he streamlined the process, bolstered the IPR management, and greatly expanded the breadth of the Foundation spanning over 10 working groups whose members included large internet services, mobile operators, financial institutions, government, etc. He has been serving in various committees in the Japanese government, including a Study Group on the Platform Services of the Ministry of Internal Affairs and Communications and a Study Group on the competition in Digital Market of the Fair-Trade Commission of Japan. Hello, Nat. Nat Sakimura: Hi, Oscar. Thanks for inviting me. Oscar: Welcome. It's a great pleasure talking with you, Nat. And well, Happy New Year. And let's talk about digital identity. Nat: Likewise, yeah. Oscar: Fantastic. And I think we know a lot of your involvement, of course, you are leading one of the most important standardisation organisations in the digital space.

Ada banyak cara untuk mengenali seseorang. Ini contoh mengenali seseorang dari sejarah hidupnya. Misalnya, saya lulusan ITB, dosen ITB. Itu dapat dijadikan salah satu cara untuk mengenali dan membedakan seseorang. Ini "Budi Rahardjo" yang lulusan ITB 81 dan sekarang dosen ITB.

Banyak penyedia jasa baru (startup, rintisan, aplikasi) yang membutuhkan fitur eKYC, tetapi banyak yang salah kaprah. Menggunakan foto selfie dengan KTP menurut saya belum dapat dianggap aman. Ini ada sedikit diskusi tentang eKYC.

EKYCの利用場面1位は金融系サービス、拡大希望は行政手続 by bp-Affairs

Tiến sĩ Ma Nam từng dành nhiều năm nghiên cứu học tập và làm việc tại thung lũng Silicon (Mỹ) trước khi về nước đầu quân cho VNG. Anh đang là Giám Đốc Nghiên Cứu Sản Phẩm trueID, một công nghệ định danh (digital identity) với độ chính xác và bảo mật cao dựa trên trí tuệ nhân tạo. Những khách hàng hiện tại của trueID là các doanh nghiệp lớn như Zalo Pay, Ngân Hàng ACB, Bản Việt,...Định danh số là gì và vì sao đây là mảnh ghép không thể thiếu trong tương lai? Hãy cùng lắng nghe cuộc trò chuyện của Tiến sĩ Ma Nam và host Ruby Nguyễn để tìm hiểu nhé.Cảm ơn nhà tài trợ NESCAFÉ đã đồng hành cùng Vietcetera trong tập Vietnam Innovators lần này. Cảm ơn bạn đã chậm lại một phút, ngồi xuống đây và nâng niu tâm trí mình cùng NESCAFÉ. Giờ thì pha một ly cà phê thật ngon và lắng nghe album “Nâng Niu Lắm, Thiên Nhiên Ơi”, với những bản mix được Touliver hoà phối và Mỹ Anh thể hiện cùng những âm thanh từ nông trại NESCAFÉ. Click vào link nhạc bên dưới để chill ngay bạn nha!Spotify: https://bit.ly/Spotify-NangNiuLamThienNhienOiYoutube: https://bit.ly/3G1KqwZNCT: https://bit.ly/3AYphQGZing MP3: https://bit.ly/3DStzLcHãy để lại lời nhắn, phản hồi hay bất kì câu hỏi cho chúng tôi tại vi@vietcetera.com nhé.

In the first episode of this 3 part series, we did a role reversal, where I switched from being the host - to being the guest to share my views on the latest trends, opportunities and risks related to Smart Cities and 5G.  For this episode, it's back to normal - I'll be interviewing Analyse Asia's Bernard Leong to get his take on the future of drones, the latest developments around AI and Machine Learning, and what digital transformation trends evolved due to the pandemic.  Show Notes: 00:00 Bernard hasn't been on a podcast in two years, including his own Analyse Asia podcast. What has he been up to in the meantime? 01:30 How has the pandemic impacted the future of drones? Are you more or less optimistic? 09:15 What are the latest trends we need to know about in AI and Machine Learning? - How Machine Learning works - What's real and what's hype? - Artificial General Intelligence vs Artificial Narrow Intelligence 21:00 AI's Ethics Dilemma - how do we overcome privacy concerns, the data bias problem, etc.  27:45 What are the COOL emerging solutions that are leveraging AI? 32:00 The pandemic has fast-tracked everyone's digital transformation agendas - what are the key trends (e.g. eKYC) that we need to know about?  

Paul Nilsen, Commercial Director/Managing Director Africa, CIS & Global SaaS, Codebase TechnologiesAfrica's adoption of feature phone-based mobile money led the world but now the question is whether the continent's traditional institutions and neobanks can rise to the challenge and opportunity being presented by the pandemic. The answer may, again, be governed by communications with increasing smartphone penetration making eKYC solutions practicable for financial institutions. Robin Amlôt of IBS Intelligence discusses the outlook for neobanks and challenger banks in Africa with Paul Nilsen, Commercial Director/Managing Director Africa, CIS & Global SaaS for Codebase Technologies.

Bun găsit într-un nou sezon de PlayGround. Azi vorbim cu vicepremierul pe digitalizare, Iurie Țurcanu, despre agenda de transformare digitală a țării. Principalele subiecte abordate: 1. Aplicația mobilă care va permite semnătura electronică la distanță 2. E-KYC 3. Votul electronic la alegeri 4. Semnarea contractelor cu DocuSign sau Adobe Signature 5. Extrase ASP digitalizate 6. Platforma pentru Educație și Sănătate 7. Platforme dezvoltate de stat vs companii private Poți susține ce fac pe Patreon: http://bit.ly/patreon_sinteza Canalul de YouTube: http://www.YouTube.com/dumitruciorici Canalul de Telegram: http://bit.ly/DCtelegram_abonare #Digitalizare #SmartID #EKYC

アメリカでは屋内で食事する人に新型コロナウイルスのワクチン接種義務を制定する州がある。 CLEARはワクチン接種の証明を提供する無料サービス「Health Pass」を開始し、 オンラインレストラン予約サービスのOpenTable（オープンテーブル）と提携して、レストランがワクチン接種のチェックを効率化できる機能の展開を開始する。 ★CLEAR https://www.clearme.com/vaccine-validation ★OpenTable(ワクチン証明書提示ありのお店) https://www.opentable.jp/r/estiatorio-milos-ny?originId=a48b5103-90f4-407d-9d39-89172f15ce7b&corrid=a48b5103-90f4-407d-9d39-89172f15ce7b&avt=eyJ2IjoyLCJtIjoxLCJwIjowLCJzIjowLCJuIjowfQ ★LIQUID（生体認証システム、eKYCとも呼ばれます） https://liquidinc.asia/ ★Youtube紹介動画 https://www.youtube.com/watch?v=7FouQAgpGiQ ★TECH CRUNCH https://jp.techcrunch.com/2021/08/24/2021-08-23-opentable-integrates-clears-digital-vaccine-card-for-restaurants-requiring-proof-of-vaccination/ ★転職のご相談は以下より、ご連絡お待ちしています！ 「d.kominato.914@gmail.com」 ★だいじろうのTwitter（ご意見お待ちしてます！） https://twitter.com/daijirostartup #海外　#スタートアップ　#デジタル証明書 #ワクチン #生体認証 #eKYC --- Send in a voice message: https://anchor.fm/daijirostartup/message

Bala Kumar is Chief Product Officer at Jumio, an end-to-end identity verification and eKYC platform that helps businesses protect against fraud, money laundering, and financial crime.  Bala brings over 20 years of product innovation experience to the world of KYC compliance. A true believer in the power of data, he offers insights on the role of product and technology in addressing the problems of financial crime.  Want to know how your company can free up some time, stress less over compliance and penalties, and work more on your core business? Then this episode is a must-listen. Topics discussed in this episode: Products and technical solutions to enhance risk management Fraudsters' skills, behaviors, and way of thinking What can be done to fight fraudsters more effectively? How identity technology is making it more difficult for fraudsters to complete their schemes How leveraging data allows identifying patterns that indicate what a good or bad customer looks like Challenges for long-established financial organizations: legacy systems and siloed business units The main reason behind companies' penalties and poor compliance Senior management understanding of financial crime technology What defines a successful technology solution to fight financial crime Why having the right onboarding process helps companies save effort and invest more time in their core business

YFS's Louis Cooper speaks to the manager of East Kilbride YM, Graeme Robertson , on their player pathway with East Kilbride Youth Club. Since joining forces there have also been exciting developments on the facility front for EKYC. And in a fitting tribute, club legends Denny Byrne and Angus McConnell, will have pitches named after them. Produced & Voiced by Lewis Moynihan

Charlie Roberts, Head of UK and EU, IDNow (the Wirrall,  England, joins Sam Sheen and Marie Lundberg to chat about this company's eKYC technology and the use of live video verification across the Benelux region and beyond, detecting possible duress by IDNow's agents to mitigate the risk of illicit actors pressuring innocent individuals to open accounts on their behalf and why it's best not to include your emotional support alpaca when applying for an online account.

Part II of Sam Sheen and Marie Lundberg's discussion with Eric Wagner, Head of Financial Crime, Erste Group where they review the changes that the Working Group have proposed to eIDAS and EU AML regulations to allow for greater reliance by financial institutions on eKYC, the absence - and importance - of a single standard on eKYC - and the many different groups working separately on their own set of standards and why cracking the problem of KYC in Europe is fundamental to its future as a digitally enabled economy.

Eric Wagner, Head of Group Financial Crime, Erste Group talks with Sam Sheen and Marie Lundberg about his role as rapporteur of the European Commission Working Group on eKYC and the possible expansion of the eIDAS programme for use by the private sector for KYC in the future. Eric shares his insights on the key changes needed to allow financial institutions to rely on electronic ID verification across the EU and why the best route to achieving regulatory change is pure logic. 

Namita Bhide, Managing Director, Denim Consulting talks to Marie Lundberg and Sam Sheen about her Banking and Technology expertise, effective project management and the importance of people and persuasion to the successful implementation of financial crime RegTech.

Tim Andrews, Founder & Director, The ID Register talks with Sam Sheen and Marie Lundberg about creating a KYC Utility for investment customers, operationalising a multi-jurisdictional KYC RegTech, whether regulations can be technologically agonistic and what has allowed The ID Register to thrive when other utilities have bit the dust.

Tomo Whinstanley - Director, Client Onboarding Transformation Lead, Deutsche Bank, joins Sam Sheen and Marie Lundberg to discuss building an eKYC platform across multiple jurisdictions, designing an "agonistic" onboarding tool to operate across business lines, pros and cons of KYC "bots", roll out strategies and the importance of data configuration. 

后疫情时代，“新基建”的新机会在哪里？ 新冠疫情爆发后，正在引发从企业到个人、从中央到地方层面的更多反思：如何转型线上，进行企业数字化？如何保持生态中的有力竞争位置，在线化地维持上游供应商和下游渠道？劳动密集型的行业往往受到更大冲击，是否应该持续推动企业自动化？如何在生产环节推进无人化、智能化，更加安全、高效？社区人口管理，基层如何提升数字化管理？ 疫情成了一次压力测试，中国企业家和行业面临这个巨大的挑战，开始了解到中国经济真正的软肋在哪里并希望加以改变。 就在这个时间节点，“新基建”火了，从宏观经济学家到中小企业、再到A股散户，都在热议。 国家自上而下、全力推动的新基建（新型技基础设施建设，指发力于科技端的基础设施建设），以硬核科技补短板、促增长。为此，已经全国各省启动新基建的投入，包括5G、人工智能、物联网、特高压、大数据、工业物联网等。 本质上，新基建就是信息数字化的基础设施。疫情后，全国将迎来一次数字化建设的高潮，成为中国宏观经济的一次转折。相信一年三年甚至五年十年后，中国行业将变得更加强大，不可阻挡。 如上图所示，之所以在传统基础建设上，提出“新基建”的风向标，就是要让科技赋能的战略，进入各个层级，进入公共和商业领域所有决策者的思维中。 因而，新基建的推行将帮助大中小企业进行转型。借助新基建的契机，塑造大数据、人工智能的能力，能撑过去并进行数字化转型的，将成就一批能够抗风险、跨周期的“新型企业”。 一、为什么需要新基建？ 对于基层社区、商业企业来说，疫情都是一次大考。考验了也暴露了从上游供应、组织运营到下游与用户关系的诸多问题。 产业上游，供应商良莠不齐，没有系统对接、授信风控、安全现金流储备，在风险期只要出现一个老赖就容易拖垮上下游； 组织管理，停留在简单的OA系统，企业面临大考，而员工不齐心、易失控，远程办公不习惯、不饱和，或者开工难、招工难； 产业下游，与消费者割裂，无法在线下物理阻隔时期链接到用户，去及时转变提供在线化、0接触的服务。 其实，对于“全民在线”的居民服务、员工管理、供应体系和销售转化，已经存在更好、更高效、更数字化的解决方案。但是，以往虽然从上到下都在提数字化、智能化、云端化，但一直没有强烈的动力去推动，去投资改造这些系统。 当下的时间节点，疫情倒逼改变，新基建补短板政策上线，正是提升增长能力的最好时机。 从政务到商务，从生活场景到产业经济，我们能明显看到两条线的同步展开，互相借力。“帮G（政府）管理、给B（企业）赚钱、为C（用户）服务”将成为新模式，将迎来新契机。 二、 “新基建”能做什么？ 1.行业未来洞察力： 如何实现数字化、智能化？ 不仅仅是我们看到的互联网产业，从农业到工业很多传统产业领域，已经正在推进智能化，“新基建”所发挥出来的价值正在显现。 中国消费了全球最大量级的猪肉，也养殖了最大量级的猪。去年猪瘟，引发了猪肉价猛涨。现在，AI人脸识别可以应用在猪脸识别，AI养猪可以更快发现得病的猪，做好隔离和处理，避免大规模扩散。 （上图出自《人工智能：未来商业与场景落地实操》） 实现猪脸识别，定位每只猪的身份，就意味着实现从投喂到健康管理，再到育种、宰杀等一系列历程的全程记录，做到有据可查。 无人工厂或者智能工厂应用到农业这个领域，养牛养猪这样的场景下，既可以降低牛、猪和人的接触，从而预防疾病；同时可以提高养殖效率，降低成本。譬如，京东数科自主研发的智能养殖系统，在部署完成1年内，可以将养殖人工成本减少30%-50%，降低饲料使用量8%-10%，并且平均缩短出栏时间5-8天。 按照这个算法，假如推广到全行业，可以帮助产业降低超过500亿元成本。 这套智能养殖系统包括神农大脑、人工智能巡检机器人、IoT（物联网）的饲喂机器人以及一套SaaS模块。 巡检机器人、饲喂机器人等设备，可实时监测猪场内的温度、湿度，精准识别每一头猪并精细化饲喂，实时监测生长情况。 包括每天的进食量、体重增长、体温、是否生病等等，这些数据反馈给神农大脑，神农大脑可以智能地做出反应。 比如，气温太低，可以自动供暖，发现有些猪的体态和行为异常，可以通过SaaS系统及时通知饲养员进行检查并提供可选的解决方案。整个系统应用到了人工智能、IoT、芯片、边缘计算、机器人技术的诸多技术。 养猪、养牛、养鱼、养鸡等各行各业，都在借助智能设备和AI算法，重塑整个生产流程。 2、线下线上的融合能力：如何对冲风险、穿越周期？ 任何产业都有周期。而线上线下的融合，能够在实体经济遭遇黑天鹅时，给予企业和产业对冲风险的可能。 最近，福建福清市市长直播卖货一度成为热搜，直播间甚至有网友留言戏称，“不见市长不下单”。截止直播结束，浏览量超过百万次，推介的福清特色的农产品和美食一度卖断货。 此次直播的成功并非突发奇想。早在2018年，福清市就开始与京东合作，创建了以京东云计算大数据为支撑，形成“产业+互联网+大数据”的“元洪模式”，设计之初就结合了“线上浏览、线下展厅体验”的理念。 故而，疫情期间的“市长直播卖货”，对冲疫情期间无法线下销售、体验的风险，也是线上线下融合逻辑自然的延伸。 这并不是单一的品牌案例，而是产业园区在进行经济数字升级之后，实现供应端、流通端、消费端的要素汇聚和流通。 像福清这样的食品产业园，可以在疫情中带动整个产业链条的复苏。不仅福清，2020年3月将有超过100位县市长会进入直播间，为当地农产品代言。 但显然，福清能够在前期就形成上下游信息汇聚，线上线下共振，是其能先人一步把握住直播电商契机的原因。 种一棵树最好的时机，要么是十年前，要么就是现在。这句话，对于“数字化”的落地同样适用。 3、与外界共建共生的能力：如何与上下游共生共荣？ 我们看到非典过后的电商快速发展，同时也成就了物流的万亿市场。京东物流、顺丰、四通一达等等，都在快速生长。 简单说，产业上下游是一条船上的，有福同享，有难同当，也在拥抱改变中同进退，否则就会被时代淘汰。就在国内物流行业迅猛增长中，还叠加上了另一条增长曲线：物流自动化。 物流自动化，就是利用人工智能、工业互联网等等新基建，去进一步提升效率，这需要“长期主义”的战略布局。 比如，京东物流研发的“无人仓”，天地狼AGV、飞马二代AGV和机械臂拣选系统配合，以实现电商仓库内小件商品自动出入库。 智慧物流是一个完整的体系。而且一旦有更高效的自动化流程，对于传统物流，包括生长于物流之上的电商，就将是降维打击。京东给升级后的物流起了个意味深长的名字，“物竞天择”。不仅最快能30分钟送达，而且把线上线下业态有机结合，可能是京东自营的便利店、专卖店，也可能是合作的农夫山泉、雀巢等等品牌线下网点。 从智慧物流的快捷，到最后一公里配送的便捷，真正实现全面的智慧物流升级，数据流通畅、与上下游的无缝衔接、完整的全局考量。 物流行业自动化的影响是全产业链的，能够实现从制造到零售，上下游全面整合升级，共生共荣。 4、数字化创新的能力：发现下一个增长点 增长，就在于发现新的客户，创造新的价值。 服务业如金融行业，各大银行、券商机构，都在加强手机端的各项服务，譬如，金融领域的“EKYC”，对传统KYC进行线上化的创新，解决了金融授信手续繁琐的痛点。 传统KYC过程繁琐、高成本且耗时，必须要面对面的操作。而“EKYC”技术借助计算机视觉技术，通过人证比对、活体检测、防Hack、交叉验真以及OCR识别五个服务模块，帮助金融机构在线完成用户身份的实名认证与验真，用户信息实时采录。 当实现远程开户、远程审批、远程协同文档能够确保安全高效，在疫情期间牵动国民经济神经的金融机构，“停工不停业”。 另一方面，金融机构通过线上大数据形成用户画像，结合人工智能，更好地对大众进行投资相关资讯推送，完成资产配置的建议和管理。 “金融知识图谱”借助人工智能，为风险评估、预测、反欺诈、精准营销、智能搜索等提供技术支撑。越来越多的金融机构开始使用短文合成机器人，以及金融知识图谱为大众进行金融知识普及、市场教育，让普通人也能获得最新的资讯和个性化的投资建议。 以上，分析了三大产业为提升数字化能力，已经推进和落地的一些案例，那么下面再从“如何提升”的实操层面来看三大步骤。 03 数字化三大环节 1、生产要素数字化：打造数据时代的“阿米巴经营” 工业时代的企业管理，稻盛和夫所创的“阿米巴”经营模型，把生产工序最小化，独立经营、管理、核算，最大程度优化经营。 而进入数字化时代，从生产要素到经营管理，都可以更好地形成SOP（Standard Operation Procedure，标准操作规程），进行数字化管理。 在企业，远程办公打卡，仅仅只是一个开始。OA系统（Office Automation，办公自动化）落地，培训体系的内嵌和完善，让企业都用同一种管理语言，同一套晋升工具，同一套评价体系，最大化提升效率，激发动能。 譬如，头条系的新晋网红“飞书”，就非常重视每个员工的目标方向感和激励措施。以每个员工个体为出发点，进行OKR目标的制定和管理，让自驱和外界驱动共同发挥作用。 人的数字化，绝不仅仅是冰冷的。科技加持下，云会议、云面试、云激励、云培训，不仅提升效率，而且提升每个个体的价值创造能力。 2、决策机制数字化：建立自下而上的数字智囊团 疫情倒逼各大城市上线各种问卷调查、行踪轨迹和交通工具的追溯，进行防疫，这是人的数字化的第一步。 高危人群的态势预警和研判系统，这两个是最普遍的，全国各地都想知道，而在疫情初期，我们靠的还是非典时期的“人工统计”，低效，而且基层社区服务人员的风险也高。 但逐步，从基层到上层都意识到大数据的作用，结合手机应用和小程序，进行统计、填报和预测： 1）从疫区来的人回到城市分布在哪里，哪几个小区，具体情况，从而进行高效的排查。2）确诊的人在进医院被隔离之前，在线下接触过哪些人，乘坐过哪些交通工具。 比如，南京市公安局就基于京东数科智能城市“高危人群疫情态势感知系统”的技术支持，开展了高危人群分析及疑似人群排查工作：一是可以分析识别目标人群迁徙轨迹，并且通过轨迹挖掘，可找到与疑似人群有密切接触的人群，二是可视化看到返程人员来源地区分布、新增健康异常人数、每日返程人数、离域人员统计、乘坐交通工具情况、去往省市分析等数据。 我们回头看，这种高效的数字化管控，推进了中国整体的防疫进度。对于企业亦然，自下而上的数据，形成决策的重要参考坐标。 3、对外服务数字化：掌握最核心的用户资产 从生产要素到管理流程的数字化，保障了供应端的抗风险能力。而链接需求端，绝不能断层。就像德鲁克的名言，企业的根本目标有且只有一个，就是创造客户。 疫情期间，餐饮连锁西贝的店长，每天通过社群、朋友圈、1对1交流为9万多名顾客提供外卖服务，疫情期间线上营收占总营收80%以上。 女装品牌歌莉娅的门店导购用企业微信连接顾客，在客户朋友圈发布商品信息，用小程序商城转化。7天时间，歌莉娅每日线上新增100万销量，最高时能有300万。 可见，零售企业已经在进行对外服务的数字化，而疫情还将加速整个进程。 店员在朋友圈卖商品、卖酒精手套，是初步样态。未来利用手机终端，形成一个收集和配置数据的传感器盒子。软件、分销模式、计费系统，可以形成更完整链条的用户服务系统。 综上，从供应端到消费端再到组织管理，企业需要打造一套数字化操作系统。对于数字基建的战略投资，就是对未来的投资。毕竟，现金流再好的企业，也不知道明天和意外谁先来。 04 重塑增长：从新基建到数字化 数字化的目的，把日常数据积累变成资产，帮助运营和战略决策。数字化管理的落地，就需要我们开篇提到的： “帮G管理、给B赚钱、为C服务”，这种企业服务的升级模式，将更加广泛应用，帮助各层级决策者，更好地进行管理和决策。 这里我们借用京东数科CEO陈生强对数字化的完整表述，来简单总结：第一，通过互联网软硬件、网络通信、物联网、AI、区块链等技术应用，将物理世界的多维信息以及产业知识数字化，以数字连接打通线上与线下； 第二，以数据和技术为最大公约数，重塑产业流程和决策机制，实现产业效率的提升和成本结构的改变，通过降低边际成本来实现规模覆盖，并形成规模效应和网络效应； 第三，用共建共生替代自我封闭，实现数据和技术应用在多产业、多链条的网状串联和协同，进而创造更大的产业价值和客户价值。 回到本质，产业数字化背后是企业从上到下对于“数字操作系统”的全面反思和落地执行。 由于数字操作系统涉及最底层的逻辑，这种数字化转型对于很多企业是巨大投资，巨大阵痛，但也是迎接下个十年增长的必经之路。 而数字化转型的基础，就是这两天从投资圈到媒体圈热议的“新基建”。这是社会数字化、智能化进程中的一个表现。回到本质，新基建是从顶层设计到社会资源的“风向标”。 七大新基建，无一不包含硬核科技的艰难攻关，无一不牵动盘根错节庞大供应链的各个环节。 但重要的是，当自上而下都有了充分的意识，去补短板，去适度超前投资，才有可能在增速放缓的大环境下，为下一个增长点储备实力。 疫情是一剂催化剂，大刀阔斧的数字化升级，新基建的风向标引导，将从这个时间点开始，发挥长久效应。 未来已来，我们所要做的不是口干舌燥地辩论，“新基建、数字化、智能化到底能带来多少增长”，而是全情拥抱，躬身入局。