Future issues expected to be the current status of EKYC

table of contents

■ Introduction of EKYC in Japan -Current ■ EKYC recognition and usage status of consumers ■ EKYC introduction status by communication carriers ■ identification of photography identity verification “JPKI” ■ About EKYC issues and future.

Introduction of EKYC in Japan -Current

Currently, governments and companies are promoting digitization, and all services are switching to online. One of them is the identity verification that is completed online, and "EKYC" has begun to be introduced to services in various industries, including the FinTech field. First, let's look back on the introduction of EKYC in Japan. The "Law on preventing transfer of revenue by crime" has been revised in November 2018, which aims to prevent fraud, money laundering, and terrorism funding, and the identification method to be completed online can now be used. rice field. Since December 2018, LIQUID Co., Ltd. has launched the “Polarify Ekyc” service by “LIQUID EKYC” and the Mitsui Sumitomo Bank Group's Polarify Ekyc. In 2019, the introduction of EKYC by the cushless payment service continued. In April, Melpei started "Easy to verify the app" and LINE Pay started "Easy verification with a smartphone" in May, and became a hot topic. In 2020, there were cases where companies were reconsidered by companies. It is a fraudulent drawer of the electronic payment service that occurred one after another in September. In October 2020, docomo requires identity verification using EKYC for users who do not contract for docomo lines in the docomo account. From such an incident, the interest in corporate verification procedures increased, and the number of businesses that reconsidered measures such as the introduction of EKYC may have increased. In November 2020, Rakuten Mobile launched the AI ​​Easy identity verification (EKYC). Since March 2021, other telecommunications carriers have launched a new plan service exclusively for online contracts, enabling new contracts and transfer procedures to use EKYC services. Due to the continued trend of the new colon virus, EKYC, which can be done in a non -face -to -face, is expected to be expanded in the future.

Consumer EKYC recognition and usage status

How much EKYC is currently recognized by consumers?Also, what scene is EKYC used?MMD Research Institute introduces some of the results of the "Survey on identification (EKYC)" conducted from March 23, 2021 to March 30, 2021, and related to EKYC along with the trends of consumers and companies.Think about the current situation and the future.For 659 men and women who own a 20-69 -year -old smartphone, we ask if you know how to verify the identity of identity that is completed online, but "I do not know at all" 71..5 %, followed by "I have used it"..0 %, "I know the name, but I don't know what it is" 5.It was 9 %.By age, "I have used it" is the most common in my 20s (n = 117)..7 %, then in their 30s (n = 130) 16.2 %, 40s (n = 165) 11.It was 5 %."I don't know at all" is the largest in my 60s (n = 106) 86.8 %, followed by 79 in their 50s (n = 141).4 %, 40s (n = 165) 75.As a result of 2 %, it was found that the more young people were, the more people who were recognized as the age increased.

Next, let's look at those who have used EKYC.When I asked 78 experienced people about the usage scene (excluding one non -responder, multiple answers), "Bank / Securities Account Opening" is the largest 59.0 %, then "when using cashless payment service".6 %, "when credit card issuance" is 35.It was 9 %.At present, there are many people who have used experience with financial services.

Next, let's take a look at the intention of using EKYC inexperienced people.Of the 580 people inexperienced EKYC, 235 people who answered that they would like to use EKYC in the future (multiple answers), "Credit card issuance" is the most frequently 57..0 %, followed by "Bank / Securities account opening" 49.8 %, "When using cashless payment service" 49.It was 4 %.The ranking of the first to third place is different from the scenes that EKYC experienced people have used, but it seems that many people want to use it in financial services.

EKYC introduction status by communication carriers

Next, let's focus on the introduction of EKYC of communication carriers.Since March 2021, four telecommunications carriers have launched a new plan service.In each of the new plans, new contracts and transfer are online only (Rakuten UN-Limit ⅵ can be contracted at stores.。We will look at the trends related to EKYC of the four carriers.-Docomo "Liquid ekyc" has been adopted as a verification for identification at the time of AHAMO contract from March 26, 2021, and the service has been launched.・ Au 2020 has been introduced in the identification of au Online Shop since December 2020, and has been used for identification at the time of POVO contract from March 23, 2021.・ SoftBank On March 17, 2021, with the launch of LINEMO services, EKYC was available only for ESIM contract applicants.

・ Rakuten Mobile on November 9, 2020, “AI Easy identification (EKYC)” was launched under the online contract.This service was available on November 9 with the "My Rakuten Mobile" app (Android) and the "My Rakuten Mobile" app (iOS) on November 30.The point that you can perform EKYC procedures in your app is different from other carriers.As a result of hearing the usage scene that has experienced EKYC from 78 people who have used it earlier (excluding one non -respondents, multiple answers), 34 "smartphones, mobile phone purchases, SIM contracts" are 34..It was 6 %.On the other hand, as a result of hearing the scene that 235 people who answered that they would like to use EKYC in the future of 580 inexperienced EKYC (multiple answers), they answered "at the time of smartphones, mobile phones, and SIM contracts."Is 48.It was 1%. At present, if the 4th place "smartphone or mobile phone purchase/SIM contract" in the scene you want to use/use EKYC, you will use it if the contract for new carriers, which is the mainstream only online contract, becomes further widespread. I guess the number of experienced and applicants will increase. In addition, we will look back on the results introduced in the previous column, "User status in the new plan of the communication carrier and future foresight" as data showing that online contracts are likely to grow in the future. As of February 2021, 40,000 men and women between the ages of 18 and 69 years old have been asked online by age (family or acquaintance (family or acquaintance In addition to the procedure of the procedure, about 25-40 % of all generations answered that the procedure had been done online at least once. In this way, we do not have a very low percentage of those who have experienced online procedures, and we believe that the EKYC services introduced by telecommunications carriers are expected to spread in the future.

Identification "JPKI" that does not require photography

Recently, there are some movements that have been launched in the EKYC mechanism that does not require the person or document photo. On March 2, 2021, Mercari began to respond to identity verification using My Number Card Public Personal Certification Service (JPKI) in Melpei. This service does not require the person (appearance) and the document shooting, and the procedure is completed by holding the My Number Card IC chip over the NFC reading part. LINE plans to launch a JPKI service using LINE Pay for the spring of 2021 to realize the efficiency of administrative procedures. With this service, everything from search to applications and payments required for administrative procedures will all be possible on a one -stop smartphone regardless of time or location. JPKI seems to be able to expect the effect of eliminating the disadvantages of EKYC and decreasing the number of withdrawals during the procedure that users found in this survey feel. We asked 437 men and women who own a 20 to 69 -year -old smartphone, and it was troublesome to install the app, mail the documents, and head to the window during the online identity verification procedure. However, "I have interrupted the procedure" 41.It was 6 %.

In addition, when asked about 79 people who have used EKYC about the disadvantages of EKYC, "no matter how many times, it will not be authenticated"..6 %, 29 "cannot read images and videos of identification documents".It is listed in 1 %.JPKI is considered effective to cover these disadvantages.

About EKYC issues and future

With the overwhelming convenience and efficiency, the introduction of EKYC will continue to increase, and we hope that more than 90 % of those who have experienced users will become more popular in our lives.It is also expected from the answer.

However, even if EKYC is introduced, it is difficult to prevent 100 % of those who interrupt the procedure. Furthermore, if the number of companies that introduce EKYC in the future increases, the difference will be created by the convenience and the ease of understanding of the operation, and the processing will increase in the process. So what is important is the improvement and ingenuity of UI/UX in EKYC? In fact, EKYC has some features that are easy for users to leave during the procedure. First of all, it is not a habit -use system, but is often used only once during the procedure. Therefore, other services will be more likely to be a "UI that can be understood just by looking at it" so that even those who use it for the first time can easily understand it. Next, it is the difficulty of shooting a certificate with yourself while having a smartphone. EKYC also needs to capture "the appearance of the applicant's face" and "identity verification documents (license, My Number card, etc.)" in the smartphone in -camera at the same time. In such cases, it is difficult to shoot while controlling the specified position with both hands blocked. Therefore, it will be more difficult for those who need detailed movements and experience EKYC for the first time. Furthermore, if you are not good at self -portraits, the procedure may not proceed smoothly. In addition to the still image of the appearance, there is a resistance when it is necessary to confirm with face swing, wink, and smile, and it may take time to complete the procedure. Since these drawbacks are expected, it is often found that unexpected drawbacks in UI/UX that cannot be understood unless you actually use it. At our company, it is possible for businesses to conduct a UI/UX verification survey when introducing EKYC. For example, for users who are not used to smartphones and senior smartphone users, we will check the EKYC flow tests introduced by companies. If you have any consultations on the introduction of EKYC, we would appreciate it if you could contact us from the following inquiry form.

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