Key Takeaways
- KYC methods depend on your regulator and entity type.
- Video KYC and DigiLocker enable fully digital onboarding.
- Combine KYC with fraud checks like face match and liveness.
Regulated businesses must verify customer identity. Digital KYC reduces drop-offs and costs.
Common KYC methods
| Method | Notes |
|---|---|
| DigiLocker | Fetch verified documents with consent |
| Video KYC (V-CIP) | Live video verification by authorised official |
| CKYC | Fetch existing KYC records from central registry |
| PAN verification | Validate PAN details |
| Aadhaar-based options | Subject to regulatory permissions and offline XML/OKYC methods |
Fraud controls
- Face match and liveness
- Device and location checks
- Duplicate detection
- Sanctions/PEP screening where required
See fintech security and compliance.
Note: KYC rules vary by regulator; consult compliance experts.
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Frequently Asked Questions
What is video KYC?
A regulator-approved process where customer identity is verified through a live video interaction.
Can apps use DigiLocker for KYC?
Yes, many regulated entities fetch verified documents via DigiLocker with consent.
What is CKYC?
The Central KYC Registry that stores KYC records for reuse across institutions.
Can any app use Aadhaar eKYC?
Aadhaar authentication is restricted to permitted entities; follow UIDAI and regulator rules.
