Yazi Ikhasimende Lakho (i-KYC) kanye Nezinqubo Zokuhlonza Ikhasimende (CIP) zibalulekile ekusebenzeni kwebhizinisi. I-KYC ibandakanya ukwazi ukuthi ikhasimende lingubani kanye nemisebenzi yebhizinisi elizibandakanya kuyo. I-CIP, ngokuphambene, ibandakanya ukuqinisekisa ulwazi olunikezwa ikhasimende. Umgomo oyinhloko walokhu ukuthola izinga lobungozi ikhasimende elibubeka ebhizinisini. Amabhange enza i-KYC ne-CIP ngokuhambisana nemithetho emelene nokushushumbiswa kwemali. Amacala okushushumbiswa kwemali kanye nokuxhaswa ngezimali kobuphekula ayanda, futhi ukwebiwa komazisi sekuyinto evamile
ngamacala angaphezu kwezigidi ezi-3.2 e-US ngo-2019. Ukuze ulwe nalesi sihlava, ukuba nenqubo yokuhlonza ikhasimende ephusile kubalulekile.
Wazi Kanjani Ikhasimende Ukuthi Lingubani?
Ukuqinisekisa ukuthi ikhasimende yilo elizisho ukuthi liyikho, ibhange kufanele liqoqe ulwazi oluyisisekelo lwekhasimende futhi likuqinisekise. Amabhange akwenza lokhu ngokuhlolana ngemibhalo kamazisi eyiqiniso nezimele. Ukuhlonza ikhasimende kuqala kwenziwa ngesikhathi sokuvulwa kwe-akhawunti. Izidingo eziyisisekelo yigama, usuku lokuzalwa, ikheli kanye nenombolo kamazisi. Ibhange lingase futhi lenze i-CIP ngokusola ukuthi umsebenzi we-akhawunti yekhasimende unomgunyathi, futhi liqinisekise ubunikazi bekhasimende ngaphambi kwakho konke okwenziwayo. Lokhu kuvimbela ukulahlekelwa okuwumphumela wokuzenza ongeyena.
Izici Zokuthi Yazi Kahle Inqubomgomo Yekhasimende Lakho
Izinqubo zokulwa nokushushumbiswa kwemali zilawula izinqubomgomo ze-KYC zazo zombili izikhungo zezezimali nezingezona ezezezimali. Inqubomgomo enhle ye-KYC iqinisekisa ubunikazi bekhasimende futhi ithola imisebenzi yabo. Kuba lula ke ukwakha iphrofayili yobungozi.
Ngezansi izici ezibalulekile zenqubomgomo enhle ye-KYC:
Inqubomgomo Yokwamukela Ikhasimende
Amabhange kufanele aveze izidingo zokwamukelwa kwekhasimende. Akufanele bavumele ukuvulwa kwama-akhawunti ngokungaziwa noma okuvela eceleni. Kufanele futhi babeke imingcele yobungozi endaweni. Lokhu kusiza ukucacisa iphrofayili yobungozi yekhasimende. Ngaphezu kwalokho, amabhange kufanele aveze wonke amadokhumenti awadingayo ukuze avule i-akhawunti.
Ukuqapha Umsebenzi We-akhawunti
Izikhungo zezimali kufanele ziqaphele izinto ezisolisayo. Bangakwenza lokho ngokuqinisekisa konke okwenziwayo ukuze baqinisekise ukuthi kusemthethweni. Amabhange adinga imibhalo efanele njengomthombo wezimali kanye nolwazi lomamukeli/umthumeli, futhi kufanele enze amasheke avamile angahleliwe ukuze abone ukuthi iphrofayela yekhasimende esengozini ishintshile yini.
Ukulawulwa Kwengozi
Inqubomgomo enhle ye-KYC kufanele ivumele ibhange ukuthi lihlole futhi linqume iphrofayili yekhasimende lengozi. Lokhu kubasiza ukuthi banqume ukuthi yiziphi izinqubo zokulawula ubungozi okufanele bazisebenzise. Ukuqinisekisa ukubambelela kuzinqubomgomo ze-KYC, inqubo yocwaningo lwangaphakathi evamile kufanele ibe khona.
Inqubo Yokuhlonza Ikhasimende
Amabhange kufanele aqinisekise imininingwane yokuhlonza amakhasimende phakathi "nesikhathi esiphusile". I-CIP kufanele ifake kokubili izindlela zamadokhumentari nezingezona ezedokhumentari. Izikhungo zezezimali kufanele zithole ulwazi olwanele ngaphambi kokuhlukaniswa kwamakhasimende. Lokhu kubenza bakwazi ukuqhamuka nezindlela zokunciphisa ubungozi, uma kwenzeka kwenzeka esikhathini esizayo. Ngenxa yokwanda komthamo wokwenziwe, amabhange angase aqhamuke nezinqubo zokuhlonza zangaphakathi. Lokhu kuvimbela ukubambezeleka kanye nokugcina ukusebenza kahle.
Uma kunezinsolo zezenzo zokukhwabanisa, amabhange kufanele enze i-CIP egcwele. Kufanele futhi bahlele ukubuyekezwa ngezikhathi ezithile ngolwazi lwekhasimende. Lokhu kungenxa yokuthi ulwazi lwekhasimende olufana namakheli lungashintsha ngokuhamba kwesikhathi. Kodwa,
izinqubo zokuhlonza ikhasimende ziyahlukahluka kuye ngebhange nebhange .
Amabhange kufanele acabangele izici ezilandelayo lapho eqhamuka ne-CIP esebenzayo:
Usayizi, indawo, kanye nesisekelo samakhasimende sebhange
Izinhlobo zama-akhawunti ibhange eliwanikezayo
Ulwazi lokuhlonza olunikezwa ikhasimende
Izindlela zokuvula i-akhawunti yasebhange
Ukwamukela Izinqubo Zokuhlonza Kwekhasimende Ledijithali
Yize amakhasimende engathanda izinsiza zamabhange ezingenazinkinga, adinga ukuqinisekiswa ngokuvikeleka kwawo. Ngakho-ke, lapho lisebenzisa i-CIP yedijithali, ibhange kufanele liqinisekise ukuthobela izinyathelo zokulwa nokukhwabanisa.
Uhlelo oluhle lokuhlonza amakhasimende edijithali kufanele luvumele ukuqinisekiswa kuzo zonke iziteshi. Kokubili ukuqinisekiswa kwedijithali nobuso nobuso kufanele kwenzeke futhi kungabi nazihibe. Ngaphandle kwalokho, ukuthengiselana okungenasisekelo kujwayele kakhulu ezenzweni zokukhwabanisa. Uhlelo kufanele lunciphise futhi lulawule lobu bungozi.
Ukufakwa kudijithali kwe-CIP kufanele kuqinisekise ukuzenzekelayo okuphelele kwenqubo kuyilapho kugcinwa ukusebenza kahle. Isibonelo, ingabe ukuhlola kwangemuva kuyazenzakalela ohlelweni? Lolu hlelo lubandakanya ukuqedwa kwamaphepha kanye nokusayina okumanzi. Kufanele ithwebule imvume nenjongo yomsebenzi ngokunemba. Lokhu ngokwezinjongo zocwaningo.
I-CIP yedijithali kufanele ihambisane nemithetho ekhona yokuqinisekisa ubuwena. Ngaphezu kwalokho, isivumelwano phakathi kwebhange namakhasimende alo kufanele sisebenze ngokusemthethweni. Lokhu kubalulekile uma kwenzeka izehlakalo eziholela ekulahlekelweni.
Ukuqinisekiswa kwe-Electronic KYC
Ukufakwa kwedijithali kwenqubo ye-KYC ngokuzayo. Ku-E-KYC,
amabhange abuza isistimu yokuhlonza ukuze aqinisekise ulwazi lwekhasimende. Uhlelo olusebenzayo lwe-elekthronikhi lwe-KYC kufanele lube nengqalasizinda eqinile evimbela ukukhohliswa ngabaduni.
I-E-KYC iyasebenza ngenxa yezizathu ezilandelayo:
Kuyashesha: Uhlelo lwe-E-KYC kulula ukusebenza futhi lufake idatha. Lokhu konga isikhathi esiningi lapho kungena amakhasimende amasha ebhange.
Ukunemba: Ubuchwepheshe obusetshenziswa ukwenza uhlelo lwe-E-KYC buqinisekisa ukuthi awekho amaphutha. Ihlola ngokuzenzakalelayo amaphutha futhi iwalungise
Ukulandelela/Ukubika: Kulula ukuhlukanisa nokulandelela umsebenzi wamakhasimende. Uhlelo oluhle lwe-E-KYC lwenza kube lula ukuhlola i-CIP nokukhiqiza imibiko.
Umuzwa othuthukisiwe wamakhasimende: Uhlelo oluhle lwe-E-KYC luyashesha futhi lubhekelela izidingo zamakhasimende ngesikhathi sangempela. Lokhu kwenza ukusetshenziswa kwayo kube lula.
I-Biometric KYC kanye Nezinzuzo zayo
I-Biometric KYC ihlanganisa ukusebenzisa i-biometrics njengezigxivizo zeminwe ukuze
kuqinisekiswe ubunikazi bekhasimende . Kuyindlela ethuthuke kakhulu yokuhlonza amakhasimende futhi iyinqubo ye-KYC ephephe futhi eshesha kakhulu. Cishe akunakwenzeka ukwenza umgunyathi idatha ye-biometric, okunciphisa amathuba okuntshontshwa kobunikazi. Ukuhlanganiswa kwayo emabhange kuqeda amaphepha kanye nezinqubo eziyinkimbinkimbi zokugcina amarekhodi.
Ikusasa Lokwazi Izinqubo Zokuhlonza Ikhasimende Lakho Nekhasimende
Ukuqubuka kwe-coronavirus kubangele ukufakwa kwedijithali kwezinqubo ze-KYC ne-CIP. Amazwe amaningi abeke imingcele nemithetho yewashi, evimbela amakhasimende ukuthi afinyelele kalula emagatsheni asebhange. Amabhange kuye kwadingeka ukuthi afake amabhange akude. Ukufakwa kwezinhlelo zokuhlonza amakhasimende edijithali kufanele kulandele imihlahlandlela kahulumeni.
Ukwengeza, kudingeka babe namandla ngokwanele ukuze badikibalise abaduni nabakhwabanisi. Isistimu kufanele futhi ibe nezilawuli zokuqinisekisa ezivimbela ukusetshenziswa okungagunyaziwe. Izikhungo esezamukele i-CIP yedijithali zinenzuzo engcono. Lokhu kungenxa yokuthi bazokuthola kulula ukungena emhlabeni wedijithali ngokugcwele. Funda kabanzi mayelana nezinqubo ze-KYC ne-CIP
ku-lightico.com .
