{"id":19655,"date":"2022-06-23T06:00:55","date_gmt":"2022-06-23T13:00:55","guid":{"rendered":"https:\/\/www.trulioo.com\/?p=19655"},"modified":"2023-07-31T23:49:32","modified_gmt":"2023-07-31T23:49:32","slug":"know-your-business-strategies","status":"publish","type":"post","link":"https:\/\/www.trulioo.com\/blog\/business-verification\/know-your-business-strategies","title":{"rendered":"Know Your Business strategies and ideas"},"content":{"rendered":"\n<p>The world is moving toward instant cross-border business transactions. But this growth demands organizations take action&nbsp;to avoid a massive fraud crisis, poor onboarding techniques&nbsp;and lost business customers.<\/p>\n\n\n\n<p>Digital payments offer faster settlement times&nbsp;and lower costs than traditional payments. But they run the risk of light Know Your Business routines, bad&nbsp;customer experiences and compliance risks. Fortunately, technologies can help automate&nbsp;the process to speed up onboarding, better control&nbsp;fraud and enable regulated entities&nbsp;to provide onboarding user experiences their&nbsp;business customers expect.<\/p>\n\n\n\n<p><strong>Watch the <\/strong><strong>Examining KYB: What\u2019s to Come and How to Prepare webinar<\/strong><\/p>\n\n\n<div class=\"bg-white\">\n    \n<div\n    class=\"relative video\"\n    x-data=\"{ playing: false, height: null }\"\n    :style=\"height &#038;&#038; 'height:' + height + 'px'\"\n>\n\t    <div\n        class=\"section aspect-video bg-center bg-cover\n               flex items-center justify-center cursor-pointer\n               px-0 box-content bg-blend-overlay\"\n        style=\"background-image:url(https:\/\/www.trulioo.com\/wp-content\/uploads\/2022\/05\/webinar-examining-kyb-thumbnail.jpg);background-color:rgba(0, 0, 0, 0.3)\"\n        x-show=\"!playing\"\n        x-transition.opacity.duration.300ms\n        @click=\"\n            playing = true;\n            \/\/ To prevent layout shift when the poster disappears and iframe loads, temporarily set container height\n            height = $el.parentNode.offsetHeight;\n        \"\n        @key.enter=\"$el.click()\"\n        @key.space=\"$el.click()\"\n    >\n        <div class=\"video-play-btn bg-green-500 rounded-full w-[64px] sm:w-[72px] md:w-[100px] h-[64px] sm:h-[72px] md:h-[100px] p-4 pl-5 flex items-center justify-center\">\n\t\t\t<svg class=\"h-6 md:h-8 text-green-900\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 30 30\"><path fill=\"currentColor\" d=\"M30 15a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm-8-4a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0ZM14 7a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0ZM6 3a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0Zm0 8a3 3 0 1 1-6 0 3 3 0 0 1 6 0Z\"\/><\/svg>        <\/div>\n    <\/div>\n\n    <template x-if=\"playing\">\n        \t\t\t            <iframe\n                                class=\"section aspect-video opacity-0 transition px-0\"\n                src=\"https:\/\/www.youtube.com\/embed\/YuJkuGSCzGk?autoplay=1&#038;enablejsapi=1\"\n                style=\"display: none\"\n                webkitallowfullscreen mozallowfullscreen allowfullscreen\n                allow=\"autoplay\"\n\n                x-effect=\"playing; setTimeout(function() {\n                    $el.style.display = 'block';\n                    $el.offsetHeight; \/\/ Reflow\n                    $el.style.opacity = '1';\n                    setTimeout(function() { height = null; }, 100);\n                }, 305)\"\n            ><\/iframe>\n            <\/template>\n<\/div>\n\n<\/div>\n\n\n<p>Learn about the payments landscape issues and solutions around business payments and Know Your Customer (KYC) and Know Your Business (KYB).<\/p>\n\n\n\n<ul>\n<li>An overview of payments trends in Europe and the U.S.<\/li>\n\n\n\n<li>The state of KYB and why it lags behind KYC<\/li>\n\n\n\n<li>Predictions for future-proofing KYB strategies<\/li>\n<\/ul>\n\n\n\n<p>Presenters<\/p>\n\n\n\n<p><strong>Erik Howell<\/strong> Partner, Flagship Advisory Partners<br><strong>Garient Evans<\/strong>&nbsp;SVP, Identity Solutions, Trulioo<br><strong>M\u00e9lisande Mual<\/strong>&nbsp;Publisher and Managing Director at The Paypers<\/p>\n\n\n\n<p>Here\u2019s a shortened and edited transcript to provide an overview:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-macro-trends-in-payments\">Macro trends in payments<\/h2>\n\n\n\n<p><strong>New rails and payments<\/strong><\/p>\n\n\n\n<p>Various alternative payment methods are becoming more popular, many of which solve gaps in the user experience for e-commerce and remote purchases. Even mainstream banks have gotten into the game with instant credit transfers, more advanced direct debit and <a href=\"\/blog\/payments\/real-time-payments\">instant payments<\/a>.<\/p>\n\n\n\n<p>Currently, crypto transactions are less than 5% of global eCommerce volume and of that relatively tiny sliver, 95% is still on off-ramp with fiat currencies. But the growth rates are huge and will be a much more relevant form of payment in the future. The underlying technical infrastructure behind it is really come into its own, and now even traditional players are starting to examine it.<\/p>\n\n\n\n<p><strong>As a Service models<\/strong><\/p>\n\n\n\n<p>Business models are converging; many of the Banking as a Service players will provide you with everything you need to issue payments, and fintech is becoming more of the best-of-breed category killers. Payments are becoming <a href=\"https:\/\/www.trulioo.com\/blog\/banking\/embedded-finance\">embedded everywhere<\/a>, from eCommerce platforms to merchant-facing accounting software packages.<\/p>\n\n\n\n<p><strong>Credit innovation<br><\/strong>There are fascinating applications in B2B buy now, pay later; for small businesses it\u2019s traditionally challenging to get credit, but now you start to get digital factoring or digital sales finance, forms of payment coupled with financing. Using payments to get that type of credit they need to drive their business is high growth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-state-of-kyb\">The state of KYB<\/h2>\n\n\n\n<p>Markets that have developed credit bureaus or registries tend to have robust capabilities in lending, service technologies and developed technology sectors. Part of that is the availability of consumer data allows you to interact digitally safely and transparently.<\/p>\n\n\n\n<p>When we think about the <a href=\"\/blog\/kyc\">KYC<\/a> versus <a href=\"\/blog\/business-verification\/know-your-business\">KYB<\/a> markets, KYC is somewhere in the neighborhood of 10 to 15 years more advanced than what we have for <a href=\"\/solutions\/business-verification\">business verification<\/a>. But both require trust and safety, which comes from trusted third-party data to confirm the authenticity of a consumer or business when they\u2019re trying to onboard or transact.<\/p>\n\n\n\n<p>The information depends on government or regulatory obligations; business verification data is only as good as the local market, and the registries make available. Some jurisdictions around the world, like the UK, have been pushing and trying to require transparent registries for businesses, and then you have other markets lagging.<\/p>\n\n\n\n<p>Without a transparent registry of businesses and ultimate beneficial owner data, the technology will not be able to deliver on its potential. Solutions depend on these registries, and governments and regulators must exert their willpower to ensure that the businesses are registered.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-future-proof-kyb-strategies\">Future-proof KYB strategies<\/h2>\n\n\n\n<p>We know there\u2019ll be significant changes in regulations and processes, so&nbsp;making appropriate investments in technology&nbsp;and the related orchestration to automate and&nbsp;digitize KYB is crucial.<\/p>\n\n\n\n<p>Companies that have gotten it&nbsp;right and have been able to digitize and automate not only have a significantly&nbsp;better user experience for the customer but can also achieve scale quicker.&nbsp;They can onboard more customers&nbsp;faster and have significantly&nbsp;lower acquisition costs. KYB is one of the immense cost components; if you can automate&nbsp;it, particularly across multiple&nbsp;jurisdictions, you have a significant advantage.<\/p>\n\n\n\n<p>You need good organizational infrastructure to monitor those developments&nbsp;across multiple jurisdictions, and you need to be able to integrate and adapt fast.&nbsp;There are so many good third-party solutions and capabilities out there that can&nbsp;allow you to focus on what they\u2019re good at&nbsp;and what their mission is and use the technology<\/p>\n\n\n\n<p>Most institutions fall on orchestration technology; there is no silver bullet in compliance or verifying consumers or businesses.&nbsp; There isn\u2019t one point solution that will do it all, so it\u2019s going to require a set of&nbsp;capabilities:<\/p>\n\n\n\n<ul>\n<li><a href=\"\/solutions\/identity-verification\">Document&nbsp;verification<\/a><\/li>\n\n\n\n<li>Device&nbsp;intelligence<\/li>\n\n\n\n<li>Biometrics<\/li>\n\n\n\n<li>Behavioral analytics<\/li>\n<\/ul>\n\n\n\n<p>There\u2019s a host of capabilities, and the idea is to layer&nbsp;them together, use them intuitively to&nbsp;create friction for individuals or businesses that&nbsp;pose risk, and ease the way for folks who are easily identified and represent low to no risk.<\/p>\n\n\n\n<p><a href=\"\/blog\/customer-onboarding\/customer-journey-orchestration\">Orchestration technology<\/a> is the key to that, so a company should not fall in love with one tool and hard code it because the first thing that fraudsters do is identify that technology or that tool or strategy and then devise a way around it. A company has to be nimble and figure out how to use multiple systems and multiple approaches and adapt as the market changes.<\/p>\n","protected":false},"excerpt":{"rendered":"The world is moving toward instant cross-border business transactions. But this growth demands organizations take&#8230;","protected":false},"author":8,"featured_media":19656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"footnotes":""},"categories":[328],"post-types":[205],"post-topics":[111,135,73],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.1 (Yoast SEO v22.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Know Your Business strategies and ideas<\/title>\n<meta name=\"description\" content=\"Payments landscape issues and solutions around business payments and Know Your Customer (KYC) and Know Your Business (KYB).\" \/>\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.trulioo.com\/blog\/business-verification\/know-your-business-strategies\" \/>\n<meta property=\"og:locale\" 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