{"id":709282,"date":"2026-02-23T07:11:21","date_gmt":"2026-02-23T07:11:21","guid":{"rendered":"https:\/\/www.capgemini.com\/gb-en\/?post_type=research-and-insight&#038;p=709282"},"modified":"2026-02-23T07:15:42","modified_gmt":"2026-02-23T07:15:42","slug":"reimagining-kyc-pkyc-framework","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/reimagining-kyc-pkyc-framework\/","title":{"rendered":"Reimagining KYC: From legacy models to perpetual KYC"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/pKYC-capcom-banner.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:44% 71%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Business operations<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Reimagining KYC: From legacy models to perpetual KYC<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Intelligent, compliant, and scalable \u2013 the future of KYC is here<\/h2><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-as-regulatory-expectations-rise-and-customer-onboarding-becomes-increasingly-digital-know-your-customer-kyc-teams-are-facing-mounting-pressure-to-keep-up-traditional-processes-are-showing-their-limits-making-it-harder-for-firms-to-stay-aligned-with-anti-money-laundering-aml-kyc-risk-and-financial-crime-compliance-requirements\">As regulatory expectations rise and customer onboarding becomes increasingly digital, Know Your Customer (KYC) teams are facing mounting pressure to keep up. Traditional processes are showing their limits, making it harder for firms to stay aligned with Anti-Money Laundering (AML) KYC, risk, and financial crime compliance requirements.<\/h2>\n\n\n\n<p>Why? Because legacy setups are creating operational friction. Disconnected systems, manual cheques, and rigid review cycles are slowing down delivery and reducing the impact of AML solutions. At the same time, scrutiny is intensifying, criminal behaviour is evolving, customer expectations are shifting, and data volumes are expanding. Without modernisation supported by RegTech (Regulatory Technology), KYC can\u2019t stay agile or scalable.<\/p>\n\n\n\n<p>Perpetual KYC (pKYC) addresses this by shifting from slow, periodic reviews to near real\u2011time, event\u2011driven monitoring supported by modern data, intelligent automation, and AI\u2011enhanced analytics.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-legacy-kyc-operating-models-are-holding-organisations-back\">Why legacy KYC operating models are holding organisations back<\/h3>\n\n\n\n<p>Each year, tens of billions of dollars are spent on KYC globally. Costs continue to rise as screening demands, regulatory obligations, and data complexities expand. Yet traditional KYC systems remain siloed, manual, and increasingly misaligned with what AML KYC compliance teams expect.<\/p>\n\n\n\n<p>Regulators are explicit that static, time-bound models are incompatible with a risk-based approach. Recent enforcement actions underscore that outdated KYC and transaction monitoring processes are significant liabilities. These pressures reinforce the urgency of modernisation, as explored in the new horizon for AML solutions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-case-for-pkyc\">The case for pKYC<\/h2>\n\n\n\n<p>Early adopters are already reporting significant benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>False positives reduced by 20\u201340%.<\/li>\n\n\n\n<li>Onboarding Turnaround Time (TAT) reduced by 40\u201360%.<\/li>\n\n\n\n<li>Case backlogs reduced by 50\u201370%, depending on baseline maturity.<\/li>\n<\/ul>\n\n\n\n<p>Taken together, these gains remove 70\u201390% of manual periodic review work.<\/p>\n\n\n\n<p>pKYC fundamentally reshapes AML KYC compliance by replacing calendar-driven controls with an always-on, intelligent approach \u2013 particularly critical for risk, fincrime, and compliance functions, which are under increasing regulatory scrutiny.<\/p>\n\n\n\n<p>By moving away from static assessments toward event-driven financial crime risk management, firms can gain a near-instant view of customer risk \u2013 one that strengthens regulatory control while significantly reducing operational costs and customer friction.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-introducing-the-pkyc-triad-operating-model\">Introducing the pKYC triad operating model<\/h2>\n\n\n\n<p>pKYC is enabled through an integrated operating model known as the pKYC triad. It brings together data, automation, and analytics into a single, closed-loop system that allows for end-to-end financial crime compliance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-data-modernisation\">Data modernisation<\/h3>\n\n\n\n<p>A unified, high-integrity data foundation enables reliable customer identity resolution, eliminates rekeying, reconciles identity attributes across systems, and ensures that risk signals are accurate, connected, and explainable. This capability is foundational to scalable compliance and aligns closely with <a href=\"https:\/\/www.capgemini.com\/solutions\/data-powered-financial-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">data-powered financial services<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-intelligent-automation\">Intelligent automation<\/h3>\n\n\n\n<p>Workflow orchestration and event-driven processing compress onboarding cycles, reduce manual touchpoints, and turn episodic controls into continuous risk management. Automation ensures consistency while enabling better customer experience (CX) across channels and reinforcing AML KYC compliance obligations.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-intelligent-analytics\">Intelligent analytics<\/h3>\n\n\n\n<p>AI-enabled analytics act as controlled copilots, accelerating analyst judgement, surfacing material risks earlier, and strengthening defensibility. This supports broader transformation initiatives outlined in <a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\" target=\"_blank\" rel=\"noreferrer noopener\">a call to action for banks in the AI age<\/a>.<\/p>\n\n\n\n<p>The pKYC triad operates as a closed loop:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data fuels automation.<\/li>\n\n\n\n<li>Automation creates structure for analytics.<\/li>\n\n\n\n<li>Analytics enhance both data and automation.<\/li>\n<\/ul>\n\n\n\n<p>Transformation occurs when these capabilities mature together under a single operating model, supported by RegTech-driven insights like activating GenAI at scale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pkyc-in-a-nutshell-from-periodic-reviews-to-continuous-kyc\">pKYC in a nutshell: From periodic reviews to continuous KYC<\/h3>\n\n\n\n<p>Although KYC and AML processes are rarely welcomed by customers, they sit at the heart of CX. When compliance is slow or repetitive, institutions appear bureaucratic. When it\u2019s timely, intelligent, and explainable, it reinforces trust throughout the digital customer onboarding journey. pKYC embeds compliance directly into the flow of customer interactions, so identity confirmation and risk reassessment can occur contextually rather than as disruptive, standalone events. This supports Capgemini\u2019s broader focus of <a href=\"https:\/\/www.capgemini.com\/solutions\/driving-customer-centricity-in-banking-and-capital-markets\/\" target=\"_blank\" rel=\"noreferrer noopener\">driving customer centricity in banking and capital markets<\/a> without compromising control.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-one-consolidated-customer-risk-profile-across-the-kyc-lifecycle\">One consolidated customer risk profile across the KYC lifecycle<\/h3>\n\n\n\n<p>A pKYC framework creates a consolidated, continuously refreshed view of customer-level financial crime risk by integrating KYC, transaction monitoring, sanctions, and adverse media data to support proactive financial crime risk management. This model supports earlier detection, smarter prioritisation, and scalable compliance across segments like <a href=\"https:\/\/www.capgemini.com\/industries\/banking-and-capital-markets\/retail-and-commercial-banking\/\" target=\"_blank\" rel=\"noreferrer noopener\">retail and commercial banking<\/a>, cards and payments, and wealth management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h3>\n\n\n\n<p><strong>A future-ready KYC model built on pKYC\u2011<\/strong><\/p>\n\n\n\n<p>To stay competitive and compliant, organisations must move from reactive KYC frameworks to adaptive, intelligence-driven financial crime compliance operations. pKYC transforms compliance from a periodic obligation into a continuous, defensible capability that reduces costs, improves CX, and strengthens trust. This evolution is accelerated through solutions like <a href=\"https:\/\/www.capgemini.com\/solutions\/perpetual-kyc-catalyst\/\" target=\"_blank\" rel=\"noreferrer noopener\">Perpetual KYC Catalyst by Capgemini<\/a>, and supported by ongoing innovation in risk and financial crime compliance.<\/p>\n\n\n\n<p>Download the whitepaper to explore the pKYC operating model, implementation considerations, and regulatory implications in detail.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/FCC-WHITEPAPER-web-locked.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Download the whitepaper<\/a><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">FAQs<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">What is perpetual KYC (pKYC)?<\/h3><\/div><div class=\"expander-content\"><p>pKYC is a way of approaching customer due diligence where identity, risk, and compliance cheques are monitored continuously rather than reviewed only at onboarding or periodic intervals.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">How does pKYC improve customer onboarding?<\/h3><\/div><div class=\"expander-content\"><p>pKYC enhances onboarding by acting as a more effective gatekeeper than traditional KYC \u2013 identifying risk earlier while minimising unnecessary friction for low-risk customers.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<p><\/p>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Is pKYC the same as faster periodic reviews?<\/h3><\/div><div class=\"expander-content\"><p>No. pKYC replaces periodic reviews altogether with event-driven, continuous risk assessment.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Does pKYC replace risk-based KYC tiers?<\/h3><\/div><div class=\"expander-content\"><p>No. Risk segmentation remains essential \u2013 but it\u2019s dynamically refreshed to reflect current customer behaviour and risk signals.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Why is data modernisation critical for pKYC?<\/h3><\/div><div class=\"expander-content\"><p>Without authoritative, interoperable, and explainable data, automation and analytics can\u2019t deliver robust compliance.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-even layout-even-all-purple-cards is-style-blue-theme\"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Research and insights<\/h2><\/div><div class=\"layout-two-card cards-normal\">\n                                <div class=\"row align-items-center\"><div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/the-strategic-value-of-modernising-aml-transaction-monitoring\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 1500px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 992px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=800&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=350&#038;quality=70 1x, https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg?w=700&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/uploads\/sites\/5\/2025\/12\/Web-banner-AML-transaction-2880x1800_Landing-page-header_3.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div><div class=\"col-12 col-lg-4 d-md-none d-lg-block\"><\/div><div class=\"col-12 col-md-6 col-lg-4\">\n                           <a href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/the-strategic-value-of-modernising-aml-transaction-monitoring\/\" aria-label=\"The strategic value of modernising AML transaction monitoring\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-center\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">The strategic value of modernising AML transaction monitoring<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"light\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"\" alt=\"\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <div class=\"col-12 col-md-6 col-lg-4\">\n                            <a href=\"https:\/\/www.capgemini.com\/gb-en\/insights\/research-library\/know-your-customer\/\" aria-label=\"Know your customer\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">Report<\/div>\n                                <h3 class=\"card-title\">Know your customer<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"light\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/gb-en\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-invent-white.svg\" alt=\"capgemini-invent\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                    <\/div>\n                    <\/div><\/div><\/section>\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\">Related services<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/Fincrime-compliance.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/Fincrime-compliance.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/08\/Fincrime-compliance.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Financial crime compliance\" href=\"https:\/\/www.capgemini.com\/industries\/banking-and-capital-markets\/risk-and-financial-crime-compliance\/\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Financial crime <br>compliance<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div 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class=\"card-subtitle\">Insurance<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Intelligent, compliant, and scalable \u2013 the future of KYC is here<\/p>\n","protected":false},"author":12418,"featured_media":709283,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":0,"primary_term":"Business operations","featured_focal_points":""},"tags":[],"research-and-insight-type":[],"theme":[],"brand":[],"service":[],"industry":[],"partners":[],"content-group":[],"class_list":["post-709282","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reimagining KYC with perpetual KYC | Capgemini<\/title>\n<meta name=\"description\" content=\"Perpetual KYC replaces periodic reviews with event\u2011driven risk monitoring and smarter controls. 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