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阿联酋“了解你的客户”区块链共享平台正式上线

2020-7-30 11:42

 

今天,迪拜经济发展部(Dubai Economy)和当地阿联酋银行Emirates NBD宣布,阿联酋“了解你的客户”(UAE Know Your Customer, KYC)平台已经上线。其目的是通过允许授权部门和银行之间共享数据,加快新客户的入职。因此客户不必自己输入所有数据。


该项目涉及一个由精明的迪拜和阿联酋央行监管的财团。另外四家银行,迪拜商业银行(Commercial Bank of Dubai)、迪拜商业银行(ADCB)、汇丰银行(HSBC)和RAKBANK也将很快上线。


Emirates NBD已经利用这个平台为120家公司提供了新客户。迪拜经济商业登记和执照(BRL)部门的首席执行官Omar Bushahab说:“这是建立一个uei范围的KYC数据共享生态系统和金融机构对公司的即时数字识别的一个重要里程碑。”


虽然客户的入职是首要任务,但银行也可以获得客户状态的更新。所有有效的迪拜贸易许可证已经迁移到区块链。


迪拜经济信息技术总监Mohammad Al Qaizi说:“公司现在可以选择与他们选择的金融机构实时分享他们的数据,从而大大减少时间和成本。”


该技术提供商是norbloc,它现在也参与了一个类似的KYC共享证明概念,由斯里兰卡央行运行。


正如之前更深入的报道,区块链纯粹存储指向数据的指针,数据本身通过norbloc的p2p协议在双方之间共享。底层账本是超账本结构,但该解决方案已经在其他主要企业区块链上进行了测试。


当被问及银行与其他银行共享数据的法律责任问题时,norbloc首席执行官Astyanax Kanakakis之前解释说,无论如何,这个过程通常都是外包的,所以依赖合同是有先例的。责任在于接收银行,它可以选择依赖这些数据。Kanakakis指出,即使在验证上花费的时间减少30%,这也是一个很大的节省。


除了斯里兰卡,澳大利亚也在探索共享KYC的想法,西班牙银行财团和剑桥区块链也是如此。

 

Today Dubai’s Department of Economic Development (Dubai Economy) and local bank Emirates NBD announced that the UAE Know Your Customer (KYC) platform is now live. The purpose is to speed up the onboarding of new customers by enabling data to be shared by licensing authorities and between banks. Hence customers don’t have to enter all the data themselves.

The project involves a consortium that is overseen by Smart Dubai and the UAE Central Bank. Four other banks, Commercial Bank of Dubai, ADCB, HSBC, and RAKBANK are expected to go live soon.

Emirates NBD has already used the platform to onboard 120 companies as new clients. “This marks a key milestone in establishing a UAE-wide ecosystem for KYC data sharing and instant digital onboarding of companies by financial institutions,” said Omar Bushahab, CEO of Business Registration & Licencing (BRL) sector in Dubai Economy.

While customer onboarding is the priority, banks can also get updates on their clients’ status. All active Dubai trade licenses have already been migrated to the blockchain.

“Companies can now choose to share their data, in real-time, with the financial institutions of their choice, thus significantly reducing time and cost,” said Mohammad Al Qaizi, Director of Information Technology in Dubai Economy.

The technology provider is norbloc, which is now also involved in a similar shared KYC proof of concept being run by the Central Bank of Sri Lanka.

As previously reported in more depth, the blockchain purely stores pointers to the data, with the data itself shared between the parties using norbloc’s p2p protocol. The underlying ledger is Hyperledger Fabric, but the solution has been tested with other major enterprise blockchains.

Asked about the legal liability issues of banks sharing data with other banks, norbloc CEO Astyanax Kanakakis previously explained that the process is often outsourced in any case, so there is a precedent for relying on contracts. The onus is on the recipient bank, which can choose to rely on the data. Kanakakis pointed out that even 30% less time spent on validation would be a major saving.

Apart from Sri Lanka, Australia is exploring the idea of shared KYC, as is a Spanish banking consortium, and Cambridge Blockchain.

 

来自: Ledger Insights