加密機構
金融機構当从不同国家的用户中进行用户注册时，公司面临各种挑战——包括需要检测欺诈者并遵守规定。与此同时，公司希望能注册大量的新用户，这在有冗长验证过程的情况下很难做到。
了解每个国家的规定细节是另一个挑战。一些公司选择将这个任务委托给每个运营区域的单独验证供应商，这需要花费大量的金钱。
相反，与来自不同国家的客户合作的公司可以选择一个精通所有地区规定的供应商。如果这个供应商能为公司提供可定制的工作流，能够适应每个国家的文件特点，那就更好了。
在选择验证供应商时，公司不能仅仅依赖他们遇到的第一个。这就是为什么我们准备了一个包含要考虑的关键因素的清单。
验证供应商提供什么？
验证供应商为公司提供身份验证软件，该软件检查一个客户是否是合法的人，以防止欺诈、洗钱和恐怖主义融资。在许多国家，与金融行业合作的公司被法律要求使用这样的软件。
需要考虑的关键因素
以下是公司在考虑潜在的验证供应商时应考虑的一些关键因素：
- 遵守规定
- 安全和隐私措施
- 用户体验
- 集成的便利性
- 客户支持
- 准确性和可靠性
- 定价
遵守规定
在选择验证供应商之前，公司应该了解每个供应商提供的解决方案，并检查他们是否能够遵守规定。验证供应商实施的合规工具可以分为两类：
- 了解你的客户（KYC）
- 了解你的业务（KYB）
KYC检查包括：
- 文件验证
- 活体检查
- 地址证明
- 视频身份验证
- 反洗钱检查（AML）
- 可定制的验证流程
- 预检查文件
- 面部认证
大多数KYC检查也可以应用到业务中。KYB特定的解决方案包括：
- 业务验证
- 最终受益人验证（UBO）
- 企业文件验证
供应商也可能提供交易监控（也称为交易监控）的解决方案。这项技术使公司能够轻松追踪交易，并及时检测到可疑的活动。一些交易监控功能包括：
- 企业反洗钱
- 自定义风险情景（规则）
- 案例调查
- 报告
安全和隐私措施
确保供应商的安全系统和隐私措施是值得信赖的极其重要。通常，公司可以通过请求审计证书来做到这一点，例如：
- iBeta
- PCI DSS
- GDPR
- CCPA
- BaFin
- CySec
- SOC2
这些认证证明了供应商安全系统的安全性。然而，在向前迈进之前，仍然值得提出一些额外的问题：
- 供应商是否有技术来应对复杂的生物识别欺诈？
- 供应商是否有设备指纹技术？
- 供应商是否有可以检测到经过Photoshop处理的文件的AI？
- 供应商是如何存储其数据的？
用户体验
供应商应该有能快速处理用户的功能，从而保持高客户保留率。这些包括：
- 快速失败 – 当上传的文件不包含所有需要的信息时，系统会在进行下一步之前让用户重新拍摄照片
- 自动抓取 – 系统会自动拍摄文件的最优照片并将其转换为文本
- 语言和国家支持 – 系统支持广泛的语言，并能适应不同国家的特点
- 工作流构建器 – 系统允许根据每个用户段定制验证流程
如果供应商能提供所有这些功能，用户体验将尽可能地流畅。这意味着新的客户不需要花费很多时间注册，更有可能使用公司的服务。
集成的便利性
一个合适的验证供应商应该易于实施。以下是应该包含的内容：
- WebSDK集成
- MobileSDK集成
- API集成
- 通过验证链接或二维码进行集成
同样重要的是知道集成解决方案所需的时间。
客户支持
公司需要检查供应商是否提供以下服务：
- 免费的技术支持
- 免费的客户成功
- 合规专家支持
- 集成过程中的免费解决方案架构师
准确性、可靠性和定价
在启用新的验证供应商之前，问以下问题：
- 这个供应商能处理哪些国家？
- 供应商能用哪些语言处理身份文件？
在定价方面，公司应该查看供应商提供的所有套餐，并提出以下问题：
- 定价模型是如何组织的？
- 是否有任何设置、许可或支持费用？
- 每次验证/交易的价格是多少？
结论
没有什么是绝对的验证供应商。然而，一个合适的供应商将拥有一个一站式的验证平台，以防止欺诈者、与合规相关的问题和用户流失。此外，它还应提供访问全球AML规定的法律团队的权限。
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