Facilitating foreign investment into UK SME’s: dramatically speeding up the FCA KYC/AML and investment execution processes through innovative technologies.

促进外国投资英国中小企业：通过创新技术大幅加快 FCA KYC/AML 和投资执行流程。

• 批准号: 44574
• 金额: $ 40.57万
• 依托单位: ZOYO TECHNOLOGY LIMITED
• 依托单位国家: 英国
• 项目类别: Study
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=44574
• 关键词: Facilitating; foreign; investment; into; UK

Building upon recent deregulation and the rapid growth in wealthy middle-class investors in South East Asia, Zoyo Technologies are developing the first multi-jurisdictional trading platform to enable High Net Worth Individuals (HNWI) from India and China to invest in UK-listed companies for the first time - opening a £40bn investor market for UK SMEs to tap into for investment and funding.The project is the result of a number of key market trends including the rapid growth in retail investors in India and China; loosening of restrictions on foreign investments and a strong desire to diversify their portfolios - particularly with British companies. Currently this market is chronically under-served with all traditional financial institutions, banks and brokerages focusing on larger, fund transactions - rather than individual investors and investments.This is in part due to the high levels of due diligence required on each investor per transaction under established FCA Know Your Customer (KYC), Enhanced Due Diligence (EDD) and Anti-Money Laundering (AML) regulations. Whilst a vital part of regulatory protection, the process itself in terms of collecting information, validating and notarising documentation and cross-referencing this against national and international datasets is highly time consuming, involves a large amount of paper documentation and needs expensive, labour-intensive expertise just to confirm an identity. The result is that this process can take 3 weeks+ to complete, by which time conditions may have changed and investors' appetite waned. Additional continuous KYC re-certification is a regulatory requirement across all jurisdictions (best practice 6 monthly) and is currently subject to the same rigour, process and cost of initial onboarding. This, coupled with wider regulatory complexity, has meant no-one has developed a trading platform to enable UK companies to tap into these investors.We intend to address these issues and open up this market through the development of a multi-jurisdictional trading platform and a world-leading onboarding process that utilises biometric technology, AI augmented background checks, Optical Character Recognition of ID documentation, and physical liveness and likeness checking to ensure both new customer and ongoing KYC compliance checks, regulatory reporting and investing can be done as seamlessly as possible.

在最近放松管制和东南亚富有的中产阶级投资者迅速增长的基础上，Zoyo Technologies正在开发第一个多司法管辖区交易平台，使来自印度和中国的高净值个人（HNWI）首次投资于英国上市公司-为英国中小企业开辟了一个400亿英镑的投资者市场，以利用投资和融资。该项目是一系列关键市场趋势的结果，包括零售投资者的快速增长，印度和中国;放松对外国投资的限制，以及使投资组合多样化的强烈愿望--特别是与英国公司的投资。目前，该市场长期服务不足，所有传统金融机构、银行和经纪商都专注于大型基金交易，而不是个人投资者和投资。这部分是由于FCA已建立的了解客户（KYC）、增强型尽职调查（EDD）和反洗钱（AML）法规要求每个投资者对每笔交易进行高水平的尽职调查。虽然这是监管保护的重要组成部分，但就收集信息、验证和公证文件以及将其与国内和国际数据集进行交叉引用而言，这一过程本身非常耗时，涉及大量纸质文件，并且需要昂贵的劳动密集型专业知识来确认身份。其结果是，这一过程可能需要3周以上才能完成，届时情况可能已经发生变化，投资者的胃口也会减弱。额外的持续KYC重新认证是所有司法管辖区的监管要求（最佳做法为每月6次），目前受到与初始入职相同的严格性、流程和成本的限制。这一点，再加上更广泛的监管复杂性，意味着没有人开发出一个交易平台，使英国公司能够利用这些投资者。我们打算解决这些问题，并通过开发一个多司法管辖区的交易平台和世界领先的入职流程，利用生物识别技术，人工智能增强背景检查，身份证件的光学字符识别，和物理活性和相似性检查，以确保新客户和正在进行的KYC合规检查，监管报告和投资可以尽可能无缝地完成。