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

在最近放松监管和东南亚富裕中产阶级投资者快速增长的基础上，Zoyo Technologies正在开发首个跨司法管辖区的交易平台，使来自印度和中国的高净值人士能够首次投资于英国上市公司-为英国中小企业打开一个400亿GB的投资者市场，供其投资和融资。该项目是一系列关键市场趋势的结果，包括印度和中国散户投资者的快速增长；对外国投资的限制放松，以及对他们投资组合多元化的强烈愿望--特别是对英国公司。目前，这一市场长期得不到足够的服务，所有传统金融机构、银行和券商都专注于较大的基金交易，而不是个人投资者和投资。这在一定程度上是因为根据既定的FCA了解您的客户(KYC)、增强尽职调查(EDD)和反洗钱(AML)法规，对每笔交易的每位投资者都要求进行高度的尽职调查。虽然这是监管保护的重要组成部分，但就收集信息、验证和公证文件并将其与国家和国际数据集进行交叉参照而言，这一过程本身非常耗时，涉及大量纸质文件，仅为确认身份就需要昂贵的劳动密集型专业知识。其结果是，这一过程可能需要3周以上的时间才能完成，到那时，情况可能已经改变，投资者的胃口减弱。额外的持续KYC重新认证是所有司法管辖区的法规要求(最佳实践为每月6次)，目前受到与初始入职相同的严格要求、流程和成本的限制。再加上更广泛的监管复杂性，这意味着没有人开发出一种交易平台来使英国公司能够利用这些投资者。我们打算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来解决这些问题并打开这个市场，该入职流程利用生物识别技术、人工智能增强的背景调查、身份证件的光学字符识别以及物理活性和肖像检查，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。

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.