External Database Checks
Overview
External database checks corroborate customer data against authoritative or commercial sources credit bureaus, government registries, telco/carrier data, fraud consortia, sanctions/PEP lists, and postal/address databases. They strengthen eKYC by confirming identity attributes, ownership, and contactability without over-collecting documents. Programs should map sources to use cases, understand coverage and bias limits, and avoid over-reliance on any single provider. Match logic needs normalization and weighted scoring to handle partial or outdated records. Consent, purpose limitation, and data minimization are essential for privacy compliance. Results must be logged with timestamps, provider IDs, and versions for audit. When orchestrated well, external checks reduce manual reviews, improve approval rates, and cut false positives in screening and fraud detection.
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