A few months ago, a mid-sized lending NBFC told me something that stuck with me. They weren’t losing money to sophisticated fraud rings or deepfake KYC videos. They were losing it to the boring stuff — a PAN that didn’t match the name on the bank account, a “new” merchant whose GST number had already…

There’s a compliance conversation happening inside every regulated lending institution right now, and it’s not about whether to do Video KYC — that decision was made years ago. The conversation is about what happens after the call ends. Specifically: what did you record, where did it go, who can access it, how long does it…

KYC gets a lot of attention when onboarding. Re-KYC, the periodic updation of that same information, gets far less — until an account is frozen, a compliance audit surfaces a gap, or the regulator issues a fresh circular reminding banks of obligations that were always there. For compliance teams and product managers building verification infrastructure,…

Ask most insurtech product teams what Video KYC for insurance looks like and you’ll get a confident answer. Ask them how many agents actually complete a VBIP session without a drop-off, connectivity issue, or a compliance gap, and the answer gets quieter. That gap — between what the guidelines say and what actually happens —…

There’s a quiet assumption baked into most digital onboarding flows: if a user passes the KYC checks, they’re legitimate. That assumption is getting more dangerous by the month. Fraud has always been part of the financial services landscape, but the nature of it has shifted. The fraudster of five years ago was someone who bought…

There’s a branch I used to visit every other month. Long queues, a harassed relationship manager, forms that asked for the same information three times. The experience was exhausting — and I wasn’t even applying for a loan. I was just updating my address. That was six years ago. Today, that same bank onboards customers…