Introduction
In today’s fast-evolving digital economy, KYC has become more than just a compliance necessity, it’s a critical part of customer experience. In Edition 1 (2024), we highlighted pioneering efforts across the globe that redefined how KYC could be faster, safer, and more human-centric.
In Edition 2 (2025), we revisit the top players who are raising the bar even higher. With new innovations, accessibility-first approaches, and hyper-localized flows, this year’s list showcases how great KYC builds trust, boosts access, and drives loyalty.
1. KYC that builds trust, loyalty, and access
Great KYC doesn’t just verify identity, it ensures customers feel safe, empowered, and respected. The most impactful solutions are those that:
- Respect customer time and abilities
- Offer clarity and predictability
- Build accessibility into every step
- Enable a smooth re-engagement if the process is interrupted
This mindset turns verification from a barrier into a gateway for long-term customer relationships.
2. What drop-off points are driving customers away?
Despite technological improvements, many KYC flows still lose customers due to:
- Lack of visual clarity
- Long or confusing steps
- Accessibility barriers for differently-abled customers
- Inflexibility in restarting or resuming processes
- Ambiguity in document upload expectations
Top-performing institutions are reducing abandonment by identifying and eliminating these pain points.
3. State of KYC in 2025: Fast, Flexible, and Human-Centric
Based on recent research and insights, the best KYC solutions in 2025 are:
- Completed in under 2 minutes
- Available 24/7, across devices
- Guided visually with step-by-step instructions
- Flexible for re-attempts without starting over
- Accessible to customers with disabilities or limited tech fluency
4. Leading 10 KYC Best Practices – 2025 Edition
01. Revolut (US)
Country-specific identity verification
Revolut revamped its app flow to adapt to regional regulations. Depending on the customer’s country, the app dynamically updates document choices and ID requirements (e.g., Tax ID in Germany vs SSN in Finland), offering a seamless, compliant, and localized experience.
02. Monzo (UK)
Disability-inclusive KYC process
Monzo leads with inclusion, its KYC supports visual and cognitive challenges with blur-to-clear guidance, and is friendly to sign language customers. Numeric code entry supports British Sign Language (BSL), making verification independent and dignified.
03. Jio (India)
KYC without agent support
Jio’s completely self-service model lets customers complete verification through easy photo and video capture, with in-app guidance and status indicators, eliminating the need for third-party involvement.
04. SCB (Thailand)
Clear visual guidance for easy KYC
SCB’s interface uses illustrated cues and facial movement prompts like “close one eye” or “tilt your head” to help customers complete ID verification with confidence and clarity.
05. Standard Chartered (India)
KYC rejoin support
Drop-offs no longer mean starting over. A secure restart link allows customers to resume verification later, making the process more forgiving and flexible.
06. Westpac (Australia)
Real-time identity confirmation
Westpac’s advanced liveness detection includes dynamic facial prompts and selfie video verification, ensuring the customer is physically present while enhancing fraud protection.
07. Nanovest (Indonesia)
60 seconds KYC
Speed is the strategy here. Customers are told upfront that the entire process takes just 60 seconds, improving engagement and reducing friction by setting expectations clearly.
08. SBI Card (India)
KYC renewal via DigiLocker
SBI Card integrates seamlessly with DigiLocker to pull Aadhaar and address details directly, minimizing manual input, reducing errors, and speeding up approvals with verified documents.
09. Amazon Pay (India)
End-to-end guided KYC experience
From app login to video call, Amazon Pay’s guided journey blends digital ease with human support. Integration with DigiLocker accelerates Aadhaar verification while pre-video instructions improve customer readiness.
10. Wise (UK)
Clear document upload guidance
Wise ensures customers upload accurate documents with prompts, format checklists, and real-time tips. Mismatches with profile data are flagged early, and payment-related verifications are proactively supported to prevent delays.
5. What sets great KYC apart?
The top KYC experiences today share five key characteristics:
- Clarity – Simple, visual guidance at every step
- Speed – Flows completed in 1-2 minutes
- Flexibility – Resume options to reduce friction
- Inclusion – Designed for accessibility and neurodivergence
- Security with support – Human + tech hybrid where needed