{"id":629466,"date":"2026-02-23T06:00:00","date_gmt":"2026-04-13T08:08:30","guid":{"rendered":"https:\/\/www.capgemini.com\/sg-en\/?post_type=research-and-insight&#038;p=629466"},"modified":"2026-04-14T03:24:40","modified_gmt":"2026-04-14T03:24:40","slug":"reimagining-kyc-from-legacy-models-to-perpetual-kyc","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/sg-en\/insights\/research-library\/reimagining-kyc-from-legacy-models-to-perpetual-kyc\/","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 class=\"col-md-4 downloadFiles addPadding\"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2026\/02\/FCC-WHITEPAPER-web-locked.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download the whitepaper<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><\/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=\"grid-container\"><div class=\"col-12 col-md-2\"><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><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-know-your-customer-kyc-is-critical-when-it-comes-to-satisfying-regulators-meeting-firms-anti-money-laundering-aml-needs-and-driving-customers-through-their-onboarding-journeys-the-problem-as-it-stands-the-kyc-process-is-no-longer-fit-for-purpose-nbsp\">Know Your Customer (KYC) is critical when it comes to satisfying regulators, meeting firms&#8217; anti-money laundering (AML) needs, and driving customers through their onboarding journeys. The problem? As it stands, the KYC process is no longer fit for purpose.&nbsp;<\/h2>\n\n\n\n<p id=\"h-know-your-customer-kyc-is-critical-when-it-comes-to-satisfying-regulators-meeting-firms-anti-money-laundering-aml-needs-and-driving-customers-through-their-onboarding-journeys-the-problem-as-it-stands-the-kyc-process-is-no-longer-fit-for-purpose-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\">The traditional model, characterized by fragmented systems, manual reviews, and periodic refresh cycles, has become a structural bottleneck. It cannot&nbsp;keep pace with growing regulatory expectations, the rising velocity and complexity of financial crime, digital customer demands for ease and immediacy, as well as the sheer volume and complexity of data now&nbsp;required&nbsp;to manage financial crime risk.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-case-for-perpetual-kyc-pkyc\"><strong>The case for Perpetual KYC (pKYC)<\/strong><\/h2>\n\n\n\n<p>Early adopters of perpetual KYC (pKYC) are already reporting significant benefits:&nbsp;<\/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.&nbsp;pKYC&nbsp;fundamentally reshapes compliance by replacing calendar driven controls with an&nbsp;always on,&nbsp;intelligence-led&nbsp;approach, particularly critical within&nbsp;<strong>Risk and Financial Crime Compliance<\/strong>&nbsp;functions under increasing regulatory scrutiny.&nbsp;<\/p>\n\n\n\n<p>By moving away from static assessments toward event driven risk management, institutions gain a near&nbsp;real-time&nbsp;view of customer risk that strengthens regulatory control while significantly reducing operational cost and customer friction.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-introducing-the-perpetual-kyc-pkyc-operating-model-nbsp\"><strong>Introducing the Perpetual KYC (pKYC) operating model&nbsp;<\/strong><\/h2>\n\n\n\n<p>Perpetual KYC is enabled through an integrated operating model known as the&nbsp;pKYC&nbsp;triad which brings together data, automation, and analytics into a single,&nbsp;closed loop&nbsp;system.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-data-modernization-for-continuous-kyc-and-identity-resolution\"><strong>Data modernization for continuous KYC and identity resolution<\/strong><\/h3>\n\n\n\n<p>A unified,&nbsp;high integrity&nbsp;data foundation&nbsp;eliminates&nbsp;rekeying, reconciles identity attributes across systems, and ensures risk signals are&nbsp;accurate, connected, and explainable. This capability is foundational to scalable compliance and aligns closely with&nbsp;<a href=\"https:\/\/www.capgemini.com\/solutions\/data-powered-financial-services\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>datapowered Financial Services<\/strong><\/a><strong>.<\/strong>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-intelligent-automation-for-event-driven-kyc-refresh\"><strong>Intelligent automation for event\u2011driven KYC refresh<\/strong><\/h3>\n\n\n\n<p>Workflow orchestration and&nbsp;event driven&nbsp;processing compress onboarding cycles, reduce manual touchpoints, and turn episodic controls into continuous risk management. Automation ensures consistency while enabling better customer experience across channels.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-intelligent-analytics-for-continuous-risk-monitoring-and-decisioning\"><strong>Intelligent analytics for continuous risk monitoring and decisioning<\/strong><\/h3>\n\n\n\n<p>AI enabled&nbsp;analytics&nbsp;act&nbsp;as controlled copilots, accelerating analyst judgment, surfacing material risks earlier, and strengthening defensibility. This supports broader transformation initiatives outlined in&nbsp;<a href=\"https:\/\/www.capgemini.com\/insights\/expert-perspectives\/a-call-to-action-for-banks-in-the-ai-age\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>a call to action for banks in the AI age<\/strong>.<\/a>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pkyc-nbsp-in-a-nutshell-from-periodic-reviews-to-continuous-kyc\"><strong>pKYC&nbsp;in a nutshell: From periodic reviews to continuous KYC<\/strong><\/h3>\n\n\n\n<p>Although KYC and AML processes are rarely welcomed by customers, they sit at the heart of customer experience. When compliance is slow or repetitive, institutions appear bureaucratic. When it is&nbsp;timely, intelligent, and explainable, it reinforces trust.&nbsp;<\/p>\n\n\n\n<p>pKYC&nbsp;embeds compliance directly into the flow of customer interactions, allowing identity confirmation and risk reassessment to occur contextually rather than as disruptive, standalone events. This supports Capgemini\u2019s broader focus on&nbsp;<a href=\"https:\/\/www.capgemini.com\/solutions\/driving-customer-centricity-in-banking-and-capital-markets\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Driving customercentricity in Banking and Capital Markets<\/strong><\/a>&nbsp;without compromising control.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-legacy-kyc-operating-models-are-holding-organizations-back\"><strong>Why legacy KYC operating models are holding organizations back<\/strong><\/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 complexity expand. Yet traditional KYC systems&nbsp;remain&nbsp;siloed, heavily manual, and increasingly misaligned with supervisory expectations.&nbsp;<\/p>\n\n\n\n<p>Regulators are explicit that static, timebound models are incompatible with a&nbsp;risk based&nbsp;approach. Recent enforcement actions reinforce that outdated KYC and transaction monitoring processes are significant liabilities. These pressures underline the urgency of modernization, as explored in the new horizon for&nbsp;anti-money&nbsp;laundering solutions.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-one-nbsp-consolidated-nbsp-customer-risk-profile-across-the-kyc-lifecycle\"><strong>One&nbsp;consolidated&nbsp;customer risk profile across the KYC lifecycle<\/strong><\/h3>\n\n\n\n<p>A&nbsp;pKYC&nbsp;framework creates a&nbsp;consolidated, continuously refreshed view of customer level financial crime risk by integrating KYC, transaction monitoring, sanctions, and&nbsp;adverse media&nbsp;data.&nbsp;<\/p>\n\n\n\n<p>This model supports earlier detection, smarter prioritization, and scalable compliance across segments such as&nbsp;<a href=\"https:\/\/www.capgemini.com\/industries\/banking-and-capital-markets\/retail-and-commercial-banking\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Retail and Commercial Banking<\/strong><\/a>,&nbsp;<strong>Cards and Payments<\/strong>, and&nbsp;<strong>Wealth Management<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-the-perpetual-kyc-model-must-nbsp-operate-nbsp-as-a-single-system\"><strong>Why the Perpetual KYC model must&nbsp;operate&nbsp;as a single system<\/strong><\/h3>\n\n\n\n<p>The&nbsp;pKYC&nbsp;triad&nbsp;operates&nbsp;as a closed loop:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Data fuels automation<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Automation creates structure for analytics<\/strong>&nbsp;<\/li>\n\n\n\n<li><strong>Analytics enhance both data and automation<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Transformation only occurs when these capabilities mature together under a single operating model, supported by insights such as&nbsp;<a href=\"https:\/\/activating%20gen%20ai%20at%20scale\/\" target=\"_blank\" rel=\"noreferrer noopener\">activating Gen AI at scale<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-conclusion-nbsp\"><strong>Conclusion&nbsp;<\/strong><\/h3>\n\n\n\n<p><strong>A future ready KYC model built on Perpetual KYC<\/strong>&nbsp;<\/p>\n\n\n\n<p>To remain competitive and compliant, financial institutions must evolve from reactive KYC frameworks to adaptive,&nbsp;intelligence driven&nbsp;compliance operations. Perpetual KYC transforms compliance from a periodic obligation into a continuous, defensible capability that reduces cost, improves CX, and strengthens trust.&nbsp;<\/p>\n\n\n\n<p>This evolution is accelerated through solutions such as&nbsp;<a href=\"https:\/\/www.capgemini.com\/solutions\/perpetual-kyc-catalyst\/\" target=\"_blank\" rel=\"noreferrer noopener\">Perpetual KYC Catalyst<\/a>&nbsp;and supported by ongoing innovation in&nbsp;Risk and Financial Crime Compliance.&nbsp;<\/p>\n\n\n\n<p>Download the full&nbsp;PDF report&nbsp;to explore the&nbsp;pKYC&nbsp;operating model, implementation considerations, and regulatory implications in detail.&nbsp;<\/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=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">FAQs<\/h2><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-8\"><p><\/p><\/div><\/div><\/div><div class=\"row\"><div class=\"col-12 col-md-8\"><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\u00a0embeds compliance into everyday interactions, ensuring customer risk is continuously understood rather than periodically reassessed.\u00a0<\/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\">How does Perpetual KYC improve customer onboarding?<\/h3><\/div><div class=\"expander-content\"><p>pKYC enhances onboarding by acting as a more effective gatekeeper\u2014identifying\u00a0risk earlier while minimizing unnecessary friction for\u00a0low risk\u00a0customers.\u00a0<\/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\">Is\u00a0pKYC\u00a0different from faster periodic reviews?\u00a0<\/h3><\/div><div class=\"expander-content\"><p>No.\u00a0pKYC\u00a0replaces 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 Perpetual KYC replace\u00a0risk based\u00a0KYC tiers?<\/h3><\/div><div class=\"expander-content\"><p>No. Risk segmentation\u00a0remains\u00a0essential but is dynamically refreshed to reflect current customer behavior and risk signals.\u00a0<\/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 modernization critical for Perpetual KYC?<\/h3><\/div><div class=\"expander-content\"><p>Without authoritative, interoperable, and explainable data, automation and analytics cannot deliver defensible compliance outcomes.\u00a0<\/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><\/div><\/div><\/section>\n\n\n\n<script type=\"application\/ld+json\"> \n\n{ \n\n  \"@context\": \"https:\/\/schema.org\", \n\n  \"@type\": \"FAQPage\", \n\n  \"mainEntity\": [{ \n\n    \"@type\": \"Question\", \n\n    \"name\": \"What Is Perpetual KYC (pKYC)?\", \n\n    \"acceptedAnswer\": { \n\n      \"@type\": \"Answer\", \n\n      \"text\": \"pKYC embeds compliance into everyday interactions, ensuring customer risk is continuously understood rather than periodically reassessed.\" \n\n    } \n\n  },{ \n\n    \"@type\": \"Question\", \n\n    \"name\": 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class=\"card-subtitle\">Insurance<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<div class=\"wrapper-get-in-touch-block\">\n<section class=\"wp-block-cg-blocks-wrapper-get-in-touch section get-in-touch-block\"><div class=\"container\"><div class=\"row\"><div class=\"content-title col-12 col-md-8\"><h2 class=\"getintouch-heading\">Meet our experts<\/h2><\/div><\/div><div><div class=\"cg-slider card-hide\"><\/div><div class=\"cg-slider card-show\">\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Manish-Chopra\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/Manish-Chopra-pic.jpg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Manish Chopra<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Global Head, Risk and Financial Crime Compliance<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Jeffrey F. Ingber\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/Jeffrey-Ingber.jpg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Jeffrey F. Ingber<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Senior Advisory Consultant, Risk and Financial Crime Compliance<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Samar Pratt\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/Samar-Pratt.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Samar Pratt<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Global Head, FCC Advisory Solutions<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Supriyo-Guha\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/Supriyo-Guha.jpg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Supriyo Guha<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Global Leader \u2013 Financial Crime Compliance Transformation<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Florent-Palayret\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/Florent-Palayret.png?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Florent Palayret<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Sr. Director, Global Financial Crime Compliance Lead, Capgemini Invent<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t\n\n\t\t<div class=\"main\">\n\n\t\t\t\n\t\t\t<div class=\"box\">\n\t\t\t\t\t\t\t\t\t<div class=\"box-author-img\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" alt=\"Luca Russignan\"\n\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/sg-en\/wp-content\/uploads\/sites\/36\/2026\/04\/luca.jpeg?w=250&#038;quality=70\">\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t<\/div>\n\n\n\t\t\t\t\t\t\t\t\t\t\t<h3>Luca Russignan<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<p class=\"box-position\">Global Head of Capgemini Research Institute for Financial Services<\/p>\n\t\t\t\t\t\n\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\n\t\t<\/div>\n\t<\/div><\/div><\/div><\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Intelligent, compliant, and scalable \u2013 the future of KYC is here<\/p>\n","protected":false},"author":12418,"featured_media":629467,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"{\"uuid\":\"7386541e-ee29-41b5-9d42-932bc77e9983\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/sg-en\/insights\/research-library\/reimagining-kyc-from-legacy-models-to-perpetual-kyc\/\",\"postId\":1190168,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"hreflang\":\"\",\"link\":\"\"}","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"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":24,"primary_term":"Business operations","featured_focal_points":""},"tags":[],"research-and-insight-type":[47],"theme":[116,21,52,24],"brand":[],"service":[54],"industry":[58,98],"partners":[],"content-group":[],"class_list":["post-629466","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-report","theme-business-operations","theme-data-and-ai","theme-digital-transformation","theme-innovation","service-data-ai","industry-banking-capital-markets","industry-financial-services"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v22.8) - 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