{"id":677777,"date":"2023-04-19T16:33:35","date_gmt":"2023-04-19T14:33:35","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=886954"},"modified":"2025-12-04T07:09:36","modified_gmt":"2025-12-04T12:09:36","slug":"integrating-perpetual-kyc-pkyc-into-your-regulatory-compliance-roadmap","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/integrating-perpetual-kyc-pkyc-into-your-regulatory-compliance-roadmap\/","title":{"rendered":"Integrating perpetual KYC (pKYC) into your regulatory compliance roadmap"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/us-en\/wp-content\/uploads\/sites\/30\/2025\/12\/KYC-PoV-Rebrand_PoV__web-banner-2880x1800px.webp\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:37% 26%\" 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><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Integrating perpetual KYC (pKYC) into your regulatory compliance roadmap<\/h1><\/div><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\/2023\/04\/INTEGRATING-PERPETUAL-KYC-pKYC-INTO-YOUR-REGULATORY-COMPLIANCE-ROADMAP.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download report<\/span><span class=\"type\">593 KB 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=\"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=826969\" 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=826969&amp;text=Tamping%20down%20wildfire%20threats\" 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=826969&amp;text=Tamping%20down%20wildfire%20threats\" 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<h3 class=\"wp-block-heading\" id=\"h-gain-efficiencies-meet-regulatory-expectations-and-better-counter-money-laundering-and-terrorist-financing\">Gain efficiencies, meet regulatory expectations, and better counter money laundering and terrorist financing.<\/h3>\n\n\n\n<p>The know-your-customer (KYC) process is central to the efforts to stamp out money laundering. It is integral to every other stage, and the accuracy of an institution\u2019s anti-money-laundering (AML) efforts have far-reaching consequences.<\/p>\n\n\n\n<p>Failure to identify bad actors can result in enforcement actions by regulators, including large monetary penalties and reputational nightmares. On the other hand, false positives, and the burdens they place on customers may seriously harm customer relationships, leading to financial losses and \u2013 once again \u2013 reputational damage.<\/p>\n\n\n\n<p>In this paper, along with Encompass Corporation, we explore how financial institutions can ensure the best possible KYC capabilities, as follows:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Accurate KYC is perpetual KYC: <\/strong>KYC practices allow customers who move from low risk to high risk to remain unnoticed for months or even years, until the next review occurs. Perpetual KYC (pKYC) empowers organizations to recognize and react to suspicious activity the moment it occurs.<\/li>\n\n\n\n<li><strong>Technology + teams: <\/strong>Shifting to pKYC and use of modern technologies is a must for financial institutions in 2023 and beyond. Technologies such as artificial intelligence (AI), machine learning (ML), cloud computing, intelligent process automation and data analytics are only the beginning. An all-out, end-to-end pKYC solution composed of industry best practices, ensuring optimal results with minimal cost and disruption, are key.<\/li>\n<\/ul>\n\n\n\n<p>To unlock the power of pKYC and learn more, <a href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/INTEGRATING-PERPETUAL-KYC-pKYC-INTO-YOUR-REGULATORY-COMPLIANCE-ROADMAP.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">download the report<\/a>.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader aa2a1186-6bb4-4ebd-a867-880dbdf28faa\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper 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KYC\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Meet us at ACAMS Hollywood Conference 2023.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMeet us at ACAMS Hollywood Conference 2023.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\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\t\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\t<div >\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\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\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\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\" data-maxlength=\"24\" aria-label=\"Meet us there about Embrace the future of 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2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\" \/>\n\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" class=\"box-img\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tsrc=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/Perpetual-KYC-ACAMS.jpg\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tobject-position: 50% 50%; object-fit: cover;\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\" alt=\"\" \/>\n\n\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<!-- <img decoding=\"async\" class=\"box-img\" src=\"\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\t\t\t\"\n\t\t\t\t\t\t\t\t\t\t\tstyle=\"\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\t\" alt=\"\"\n\t\t\t\t\t\t\t\t\t\t\/> -->\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"\">\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"slide-reveal\"><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\n\t\t\t\t\n\t\t\t<\/div>\n\n\t\t<\/section>\n\n\t\t\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-11 col-lg-10 offset-md-1 offset-lg-1\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-meet-our-experts\">Meet our experts<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/07\/manish-1-1.jpg?w=200\" alt=\"\" class=\"wp-image-776766\"\/><figcaption class=\"wp-element-caption\"><strong>Manish Chopra<\/strong><br>Executive Vice President, Financial Services<br>Capgemini<\/figcaption><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2022\/09\/Jeffrey-Ingber.jpg?w=800\" alt=\"\" class=\"wp-image-802525\" style=\"width:200px;height:200px\"\/><figcaption class=\"wp-element-caption\"><strong>Jeffrey F. Ingber<\/strong><br>Senior Advisory Consultant, Regulatory and Compliance<\/figcaption><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-special-contribution\">Special Contribution<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2023\/04\/HenryBalani.jpg?w=200\" alt=\"\" class=\"wp-image-888968\"\/><figcaption class=\"wp-element-caption\"><strong>Dr. Henry Balani<\/strong><br>Global Head of Industry &amp; Regulatory Affairs<br>Encompass Corporation<\/figcaption><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Gain efficiencies, meet regulatory expectations, and better counter money laundering and terrorist financing.<\/p>\n","protected":false},"author":81,"featured_media":755796,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"028cbc06-d4c3-4c13-9b38-a419344d4e2e\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"New R&I page","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":"","featured_focal_points":""},"tags":[],"research-and-insight-type":[85],"theme":[],"brand":[],"service":[47],"industry":[242,545],"partners":[],"content-group":[],"class_list":["post-677777","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","research-and-insight-type-point-of-view","service-cybersecurity","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Integrating perpetual KYC (pKYC) into your regulatory compliance roadmap - Capgemini USA<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/integrating-perpetual-kyc-pkyc-into-your-regulatory-compliance-roadmap\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Integrating perpetual KYC (pKYC) into your regulatory compliance roadmap\" \/>\n<meta property=\"og:description\" content=\"Gain efficiencies, meet regulatory expectations, and better counter money laundering and terrorist financing.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.capgemini.com\/us-en\/insights\/research-library\/integrating-perpetual-kyc-pkyc-into-your-regulatory-compliance-roadmap\/\" \/>\n<meta property=\"og:site_name\" content=\"Capgemini USA\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-04T12:09:36+00:00\" \/>\n<meta property=\"og:image\" 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