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With fraud getting more sophisticated, regulations tightening, and pressure to onboard faster without increasing risk, the old approach to KYB just doesn’t cut it anymore.
In our recent session with American Banker and Liminal, we unpacked what best-in-class KYB looks like in 2025 — and where many organizations are still struggling to catch up.
Here are five key takeaways from the conversation:
1. Real-time data is a competitive advantage
KYB programs built on outdated or delayed data are exposing institutions to unnecessary risk. Top-performing teams are embedding real-time data and AI-driven decisioning into their workflows — reducing friction, improving match rates, and speeding up onboarding:
2. A unified business identity is foundational
Best-in-class KYB starts with a single, persistent profile of the business that’s shared across onboarding, compliance, and fraud teams. This reduces duplicate work, flags issues early, and creates a reliable source of truth throughout the customer lifecycle:
3. One-size-fits-all workflows no longer work
Leading institutions are replacing static KYB flows with risk-based decisioning. Low-risk entities are fast-tracked, while high-risk cases are escalated automatically — helping teams prioritize analyst time where it matters most:
4. Fraud and compliance can’t be siloed
From synthetic identities to SOS filing manipulation, new fraud vectors are slipping past surface-level checks. Strong KYB programs integrate fraud detection into the core of their workflows, not as an afterthought:
5. Clean data is non-negotiable
Poor data leads to poor decisions, faster. The best teams are prioritizing data quality and accuracy above all else, recognizing that automation is only as good as the signals behind it:
Want to dig deeper into the trends shaping KYB in 2025?
Watch the full webinar with Liminal and Middesk to see how leading organizations are modernizing their KYB programs — backed by insights from the 2025 Link Index.
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