DDA Underwriting and Account Opening Process: Today and Tomorrow
|出版商||Mercator Advisory Group, Inc.||商品編碼||307707|
|出版日期||內容資訊||英文 23 pages
|美國的活期存款帳戶(DDA)承擔、開戶流程:現在、未來趨勢 DDA Underwriting and Account Opening Process: Today and Tomorrow|
|出版日期: 2014年07月09日||內容資訊: 英文 23 pages||
活期存款帳戶(Demand Deposit Accounts)，過去個人在金融機關，只要確認身分證和確認簡單的詐騙資訊便可開設。可是，隨著政府的法規嚴格化，金融機關方面沿法律規章遵守規定，和要求戶頭承擔確認。今後隨著詐騙交易持續增加，零售銀行方面應也需要為了確認風險、詐騙經過許多流程。總括新戶頭開設的申請受理、確認、核準的開發尚在進行，不過開發更有效流程的工具和跨部門的解決方案，不久應將會實現。
Demand deposit accounts have historically been opened by consumers at financial institutions (FIs) based on a series of simple identity and fraud checks. With growing government and regulatory oversight, FIs are being asked to perform compliance and authentication checks to meet requirements of the Bank Secrecy Act (Anti-Money Laundering) and USA PATRIOT Act (Know Your Customer). With continuing growth in fraudulent transactions, retail banks have added additional layers of risk and fraud checking.
Mercator Advisory Group's latest research report, ‘DDA Underwriting and Account Opening Process: Today and Tomorrow’, delves into the questions troubling debit business, risk, and compliance managers. Debit fraud is rapidly increasing. At the same time, regulators are becoming more sensitive to retail bankers' abilities to monitor and prevent identity theft, block suspicious transactions, and block dangerous individuals from opening bank accounts to move funds to others through that account. Alternative online, real-time data and predictive modeling solutions are being developed. The report provides a look into Mercator Advisory Group's primary data on U.S. consumers' interest in digital channels for financial product information and new account application preferences. The report also provides an overview of DDA account application experiences in the past and present and trends for the future, a look at the DDA new account application work flow including traditional third-party data sources and alternative data vendor options, and a deeper dive into some of the thought leaders among the vendors from a risk and compliance perspective.
The process of new account application, review, and approval is very much in transition, with smarter, more efficient tools in development, and integration between banking channels no longer a dream but almost within grasp.
This Research Note has 23 pages and 9 exhibits.
Companies mentioned in this research report include: ACI Worldwide, Andera (Bottomline Technologies), Capital One Bank, ChexSystems, Early Warning Services, Equifax, FICO, FIS, ID Analytics, IDology, Innovis, LexisNexis, Jumio, Mitek Systems, and Zoot Enterprises.
One of the exhibits included in this report:
Source: Mercator Advisory Group Customer Monitor Survey Series, Banking and Channels, 2013, Questions 17,18.
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