À̹ø IDC Perspective¿¡¼´Â ±ÝÀ¶±â°üÀÌ ¿¡ÀÌÀüÆ® ±â¹Ý AI¿Í ¿¡ÀÌÀüÆ® ±â¹Ý ¿öÅ©Ç÷οì Ç÷§ÆûÀ» µµÀÔÇÏ¿© ÄÄÇöóÀ̾𽺠Çö´ëÈ, ¾÷¹« È¿À²¼º Çâ»ó, ¸®½ºÅ© °ü¸®¸¦ °ÈÇÏ´Â °úÁ¤¿¡¼ °¡¼Óȵǰí ÀÖ´Â KYC(Know-your-customer) ÇÁ·Î¼¼½ºÀÇ ÁøÈ¸¦ »ìÆìº¾´Ï´Ù. ¼öÀÛ¾÷ ¿öÅ©Ç÷οì¿Í ÆÄÆíÈµÈ ½Ã½ºÅÛ¿¡ ÀÇÁ¸ÇÏ´Â ±âÁ¸ÀÇ KYC ¹æ½ÄÀº ³ô¾ÆÁö´Â ±ÔÁ¦ ¿ä±¸»çÇ×°ú ÁøÈÇÏ´Â »ç±â ¼ö¹ý¿¡ ´ëÀÀÇϱâ À§ÇØ °í±ººÐÅõÇϰí ÀÖ½À´Ï´Ù. »ý¼ºÇü AI(GenAI)¿Í ¿¡ÀÌÀüÆ® AI´Â ½Å¿ø È®ÀÎÀ» °£¼ÒÈÇϰí, À§Çè Æò°¡¸¦ ÀÚµ¿ÈÇϸç, ½Ç½Ã°£ ÄÄÇöóÀ̾𽺠¸ð´ÏÅ͸µÀ» °ÈÇÏ´Â Áö´ÉÇü ÀÚµ¿È¸¦ µµÀÔÇϰí ÀÖ½À´Ï´Ù. ÀÌ·¯ÇÑ ¹ßÀü¿¡µµ ºÒ±¸Çϰí, ·¹°Å½Ã ½Ã½ºÅÛÀÇ Á¦¾à, ¸ÞŸµ¥ÀÌÅÍÀÇ °ÝÂ÷, ±ÔÁ¦ÀÇ º¹À⼺Àº ¿©ÀüÈ÷ Å« °úÁ¦ÀÔ´Ï´Ù. Á¶Á÷Àº AI¸¦ ÅëÇÑ KYC Çö´ëÈÀÇ ÀÌÁ¡À» ÃÖ´ëÇÑ È°¿ëÇϱâ À§ÇØ AI °Å¹ö³Í½º, º¥´õ¿ÍÀÇ Çù·Â, Àü·«Àû ±â¼ú äÅÃÀ» ¿ì¼±¼øÀ§¿¡ µÎ¾î¾ß ÇÕ´Ï´Ù. ÀÌ º¸°í¼¿¡¼´Â ½ÅÈï º¥´õµéÀÌ ¾î¶»°Ô KYC ÇÁ·Î¼¼½º °ü¸®¸¦ ÀçÁ¤ÀÇÇϰí ÀÖ´ÂÁö »ìÆìº¸°í, IT ±¸¸ÅÀڵ鿡°Ô AI Áغñ »óÅÂ, ¿¡ÀÌÀüÆ®Çü AIÀÇ ±â´É, È®Àå °¡´ÉÇÏ°í ¹Ì·¡ÁöÇâÀûÀÎ ÄÄÇöóÀ̾𽺠¼Ö·ç¼ÇÀÇ ÅëÇÕ Àü·«À» Æò°¡ÇÒ ¼ö ÀÖ´Â °¡À̵带 Á¦°øÇÕ´Ï´Ù. IDCÀÇ ¸®½ºÅ©, ±ÔÁ¤ Áؼö ¹× ±ÝÀ¶ ¹üÁË ºÎ¹® ¸®¼Ä¡ ¾Ö³Î¸®½ºÆ®ÀÎ Sam Abadir´Â "¿¡ÀÌÀüÆ® AI¿Í ¿¡ÀÌÀüÆ® ¿öÅ©Ç÷δ KYC¸¦ Çõ½ÅÇÏ¿© ±ÔÁ¤ Áؼö¸¦ °æÁ÷µÈ ±ÔÄ¢ ±â¹Ý ±â´É¿¡¼ ÀûÀÀÇü ÀÎÅÚ¸®Àü½º Á᫐ ÇÁ·Î¼¼½º·Î ÀüȯÇÒ ¼ö ÀÖ½À´Ï´Ù. ÀÇ»ç °áÁ¤À» ÀÚµ¿ÈÇÏ°í ¿öÅ©Ç÷θ¦ ¿øÈ°ÇÏ°Ô ÅëÇÕÇÔÀ¸·Î½á ±ÝÀ¶ ±â°üÀº ¿Âº¸µù ½Ã°£À» ´ÜÃàÇÏ°í ¿î¿µ ºñ¿ëÀ» Àý°¨ÇÏ¸ç ¼±Á¦ÀûÀ¸·Î À§ÇèÀ» °ü¸®ÇÒ ¼ö ÀÖ½À´Ï´Ù. ±×·¯³ª ¼º°ø ¿©ºÎ´Â µ¥ÀÌÅÍ »óÈ£ ¿î¿ë¼º, ±ÔÁ¤ Áؼö, ¸Æ¶ôÀû ¿ä¼Ò¿Í ÇÔ²² ¿ÜºÎ µ¥ÀÌÅÍ ¼öÁýÀÇ ÀÚµ¿È¸¦ º¸ÀåÇÏ¿© ÀÚÀ²ÀûÀ¸·Î À§Çè ŽÁö¸¦ °ÈÇÏ°í ¸¶ÂûÀ» ÃÖ¼ÒÈÇÏ´Â µî Àß ½ÇÇàµÈ AI Àü·«¿¡ ´Þ·Á ÀÖ½À´Ï´Ù. °áÁ¤ÀûÀ¸·Î, ÀÌ·¯ÇÑ ½Ã½ºÅÛÀº º¹ÀâÇÑ »ç·Ê³ª ºÒÈ®½ÇÇÑ ½Ã³ª¸®¿À¸¦ ÄÄÇöóÀ̾𽺠Àü¹®°¡¿¡°Ô °ËÅ並 ¿äûÇϰųª µ¿ÀûÀ¸·Î ¿¡½ºÄ÷¹À̼ÇÇÏ¿© »ç¶÷ÀÇ Àü¹® Áö½ÄÀÌ ÇÊ¿äÇÑ ½ÃÁ¡À» ÀνÄÇØ¾ß ÇÕ´Ï´Ù. ¿À´Ã³¯ ¿¡ÀÌÀüÆ® AI ÁÖµµ ¿ÀÄɽºÆ®·¹À̼ÇÀ» µµÀÔÇÏ´Â Á¶Á÷Àº ÇÊ¿äÇÑ °æ¿ì »ç¶÷ÀÇ °¨µ¶À» À¯ÁöÇÏ¸é¼ ±ÔÁ¤ Áؼö È¿À²¼º°ú °í°´ °æÇè¿¡¼ »ó´çÇÑ °æÀï ¿ìÀ§¸¦ È®º¸ÇÒ ¼ö ÀÖ½À´Ï´Ù."¶ó°í ¸»Çß½À´Ï´Ù.
This IDC Perspective discusses the evolution of know-your-customer (KYC) processes, which is accelerating as financial institutions adopt agentic AI and agentic workflow platforms to modernize compliance, improve operational efficiency, and enhance risk management. Traditional KYC methods, reliant on manual workflows and fragmented systems, struggle to keep pace with growing regulatory demands and evolving fraud tactics. Generative AI (GenAI) and agentic AI introduce intelligent automation that streamlines identity verification, automates risk assessments, and enhances real-time compliance monitoring.Despite these advancements, legacy system constraints, metadata gaps, and regulatory complexities remain significant challenges. Organizations must prioritize AI governance, vendor collaboration, and strategic technology adoption to fully unlock the benefits of AI-driven KYC modernization. This document examines how emerging vendors are redefining KYC process management, offering guidance to IT buyers on evaluating AI readiness, agentic AI capabilities, and integration strategies for scalable, future-proof compliance solutions."Agentic AI and agentic workflow can revolutionize KYC, transforming compliance from a rigid, rule-based function into an adaptive, intelligence-driven process," says Sam Abadir, research analyst, Risk, Compliance, and Financial Crime at IDC. "By automating decision-making and seamlessly integrating workflows, financial institutions can reduce onboarding times, lower operational costs, and proactively manage risks. However, success depends on a well-executed AI strategy - one that ensures data interoperability, regulatory alignment, and automation of external data ingestion with its contextual elements to autonomously enhance risk detection and minimize friction. Crucially, these systems must also recognize when human expertise is needed, either by design or dynamically escalating complex cases or uncertain scenarios to compliance professionals for review. Organizations that embrace agentic AI-led orchestration today - while maintaining human oversight where necessary - will gain a significant competitive edge in compliance efficiency and customer experience."