PLEIADS: Application of an Innovative Know-Your-Customer Digital Platform Which Transforms the KYC Ecosystem by Allowing Clients to Process Data Themselves and Mutualising Client On-Boarding Across Organisations.

金融服务领域的银行和专业服务提供商应当遵守反洗钱法律法规。在满足法律/监管框架设定的要求方面，一个关键功能是执行了解客户(KYC) /客户入职检查，以评估和监控客户风险。目前执行KYC检查方式的现有限制，以及客户入职完成所使用的机制的缺陷，导致了所有相关方的挫折和不满：银行、专业服务提供商及其各自的客户。牛津科技创新有限公司（Oxinnotech）和Thridium有限公司（THR）这两家英国科技型中小企业正在合作开发PLEIADS，这是一种新型的数字了解客户（KYC）投资组合平台。PLEIADS将允许客户自己处理KYC数据，并实现KYC检查性能和相关文件验证的共同化。据估计，PLEIADS每年将节省约25亿英镑的运营成本，而“反洗钱”罚款将减少约20亿英镑；仅在2020年上半年，全球反洗钱罚款就接近60亿英镑（遵从优势，2021年）。

Banks and professional service providers in the financial services sector ought to comply with Anti Money Laundering (AML) Laws and Regulations. A critical function in meeting the requirements set by the legal/regulatory framework is the performance of Know Your Customer (KYC) / Client On-boarding checks to assess and monitor customer risk.Existing limitations in the way KYC checks are currently being performed, and the deficiencies in the mechanics utilised for the client on-boarding completion have resulted in frustration and dissatisfaction for all parties involved: banks, professional service providers as well as their respective clients.Oxford Innovation for Science and Technology Ltd (Oxinnotech) and Thridium Ltd (THR), two UK technology SMEs are collaborating and developing PLEIADS, a novel digital know-your-customer (KYC) portfolio platform. PLEIADS will allow clients to process KYC data themselves and enable the mutualisation of the performance of KYC checks and the validation of the relevant documents.It is estimated that PLEIADS will generate operational annual cost savings of ˜£2.5B while AML penalties will be reduced by approximately £2B; only in the first half of 2020 global AML penalties were close to £6B (Comply Advantage, 2021).