Compliance in Banking - Control of Customer Risk
The global banking sector is undergoing a regulatory transformation, shifting from static, periodic compliance models to intelligence-driven, continuous monitoring that adapts in real time to emerging risks and regulatory expectations.
The New Compliance Reality in Banking - From Static KYC to Continuous Identity Assurance
Perpetual KYC (pKYC) is no longer optional. Regulators now expect continuous customer risk assessment rather than point-in-time validation.
- AI-powered transaction monitoring is required to detect complex, fragmented money-laundering schemes in real time, not overnight batches.
- Beneficial ownership verification across multi-jurisdictional structures demands multi-source evidence and continuous re-verification.
- Deepfake and synthetic identity threats require advanced liveness detection and behavioral analysis to prevent fraud at onboarding.
- Regulatory scrutiny is intensifying, with expectations for integrated, auditable, and regulator-ready systems.
The Challenge in the Banking Sector
Despite heavy investment, many financial institutions rely on fragmented point solutions. This results in expensive remediation efforts, regulatory gaps, and missed fraud signals. Compliance teams are overwhelmed by false positives, diverting attention from sophisticated criminal schemes, while legacy systems struggle to keep pace with rapidly evolving financial crime.
The Path Forward in Banking Compliance
Effective banking compliance requires three core capabilities:
- Unified, intelligent platforms that connect identity, behavioral, and transaction data
- Automation that reduces manual workload and false positives while maintaining regulatory defensibility
- Regulatory confidence built on auditable, transparent, and explainable decision-making processes
Discover how leading banks are closing the gap between regulatory requirements and operational reality.
Compliance & Digital Identity for Neobanks and Fintechs
Resolve the trade-off between speed, security, compliance, and user experience with Facephi’s 360° digital identity and anti-fraud approach.
The Reality you face as a Neobank or Fintech
Neobanks and fintechs operate in an environment where fraud evolves daily, regulations tighten continuously, and customer expectations for speed never slow down. The cost of failure is existential.
Your challenges compound quickly: deepfake fraud attempts surged in 2025, injection attacks continue to rise, the majority of crypto-related fraud occurs during onboarding, and account takeover remains a dominant threat in payment platforms. Every additional verification step impacts conversion, while AI-driven fraud accelerates faster than traditional defenses. Multi-jurisdiction expansion adds further complexity with diverse KYC, AML, and data protection requirements per market.
The core trade-offs remain constant: speed versus security, conversion versus compliance, scale versus control, innovation versus regulation.
Digital identity is the frontline. Every onboarding, authentication, and transaction approval depends on knowing who is behind the screen. Get identity right, and these trade-offs disappear. Get it wrong, and every downstream control fails.
How Facephi Resolves the Compliance Trade-Off
Facephi delivers three core outcomes for neobanks and fintechs:
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Be Compliant
Regulatory requirements supported by design, with full auditability across the entire customer lifecycle
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Overcome Fraud Challenges
Reduce fraud without increasing friction and detect AI-driven attacks at scale
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Gain Competitive Advantage
Enable faster acquisition, stronger security, and confident global expansion
Three Layers of Protection for Fintech Compliance
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Layer 1: New Account Fraud Prevention
Document capture, advanced liveness detection to prevent deepfakes, biometric matching (1:1 and 1:N), PEP and sanctions screening, and AI-powered deepfake detection.
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Layer 2: Account Takeover Prevention
Biometric authentication, behavioral biometrics, device intelligence, continuous risk assessment, and dynamic step-up authentication.
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Layer 3: Transaction Monitoring and AML
Real-time transaction monitoring, behavioral pattern detection, sanctions screening, mule account detection, and regulatory reporting with full audit trails.
Why Choose Facephi for Neobanks and Fintechs
Faster time to market, improved conversion rates, scalable global operations, regulatory confidence, reduced fraud losses, and future-proof technology that automatically adapts to evolving threats.
Ready to resolve the trade-off?
Compliance in Crypto and Digital Assets
Navigate global regulatory fragmentation and advanced fraud with Facephi’s 360° digital identity and anti-fraud approach.
The Reality of Compliance in Crypto and Digital Assets
Cryptocurrency exchanges, wallet providers, and digital asset platforms operate entirely digitally, without physical presence or face-to-face verification. Remote identity verification is critical to distinguish legitimate users from criminals, while fraud sophistication and regulatory pressure increase across more than 50 jurisdictions.
Challenges escalate rapidly: billions lost annually to crypto scams, exponential growth in impersonation attacks, widespread exposure to deepfakes and fake identity documents, and increasing average scam values driven by AI-enabled fraud. At the same time, firms must comply with FATF Travel Rule requirements, MiCA, FinCEN regulations, and dozens of local KYC and AML frameworks. Transaction monitoring is strained by high volumes, micro-transactions, and cross-exchange activity.
Why Choose Facephi for the Crypto and Digital Assets Ecosystem
Facephi enables global compliance without regional operational overhead, allowing rules to be configured centrally and deployed worldwide. Advanced fraud detection addresses modern attack vectors, significantly reducing new account fraud and false positives. The platform scales seamlessly from thousands to millions of users while providing institutional-grade credibility for investors and banking partners. Built-in adaptability ensures defenses evolve automatically as threats and regulations change.
Ready to resolve the trade-off?
Compliance for Payment Service Providers (PSPs) – Secure Payment Flows, Regulator-Ready Growth
Payment Service Providers have become the backbone of real-time, digital commerce. As instant payments, wallets, and cross-border flows scale, PSPs face rising regulatory expectations and faster-moving fraud—where identity is the new security perimeter.
The New Compliance Reality for PSPs – From Payment Processing to Continuous Risk Control
PSPs are no longer assessed only on processing capability. Regulators and partners increasingly expect end-to-end controls across onboarding, authentication, authorization, and ongoing monitoring.
- Instant payments remove the time buffer for post-transaction fraud checks, increasing exposure to APP fraud and high-velocity attacks.
- KYB requirements are tightening: merchant onboarding, UBO verification, and sanctions screening must be traceable and defensible.
- Strong Customer Authentication (SCA) and step-up journeys must balance security with authorization rates and user experience.
- Cross-border growth introduces fragmented compliance requirements (KYC/AML, data protection, reporting), demanding adaptable controls.
- Auditability matters: PSPs need evidence trails that stand up to audits, banking partner due diligence, and regulator scrutiny.
The Challenge for Payment Service Providers
PSPs must constantly balance competing priorities: maximize authorization rates while reducing fraud, accelerate onboarding while controlling AML risk, and scale globally while meeting compliance expectations market by market.
When controls are fragmented, teams face higher false declines, operational overhead, and inconsistent risk decisions across channels. Tighter rules can damage conversion and merchant growth; looser rules increase fraud losses and partner risk. The result: compliance becomes reactive, costly, and hard to prove under audit.
The Path Forward - Identity-Led Compliance Across the Payment Lifecycle
Effective PSP compliance requires three things:
- Unified identity and risk signals across merchant/customer onboarding, authentication, and transactions (device, behavioral, biometric, and transactional context)
- Automation that reduces manual workload and false declines while improving fraud detection and maintaining regulatory defensibility
- Audit-ready transparency with traceable decisions and evidence across the full payment lifecycle
Facephi’s 360° Digital Identity approach secures every stage
Automated KYB, biometric UBO verification, sanctions screening, advanced liveness detection, biometric authentication, and continuous risk assessment—enabling strong security with minimal friction and regulator-ready trails.
