Facilitating foreign investment into UK SME’s: dramatically speeding up the FCA KYC/AML and investment execution processes through innovative technologies.

促进外国投资英国中小企业：通过创新技术大幅加快 FCA KYC/AML 和投资执行流程。

• 批准号: 44574
• 金额: $ 40.57万
• 依托单位: ZOYO TECHNOLOGY LIMITED
• 依托单位国家: 英国
• 项目类别: Study
• 财政年份: 2020
• 资助国家: 英国
• 起止时间: 2020 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=44574
• 关键词: Facilitating; foreign; investment; into; UK

Building upon recent deregulation and the rapid growth in wealthy middle-class investors in South East Asia, Zoyo Technologies are developing the first multi-jurisdictional trading platform to enable High Net Worth Individuals (HNWI) from India and China to invest in UK-listed companies for the first time - opening a £40bn investor market for UK SMEs to tap into for investment and funding.The project is the result of a number of key market trends including the rapid growth in retail investors in India and China; loosening of restrictions on foreign investments and a strong desire to diversify their portfolios - particularly with British companies. Currently this market is chronically under-served with all traditional financial institutions, banks and brokerages focusing on larger, fund transactions - rather than individual investors and investments.This is in part due to the high levels of due diligence required on each investor per transaction under established FCA Know Your Customer (KYC), Enhanced Due Diligence (EDD) and Anti-Money Laundering (AML) regulations. Whilst a vital part of regulatory protection, the process itself in terms of collecting information, validating and notarising documentation and cross-referencing this against national and international datasets is highly time consuming, involves a large amount of paper documentation and needs expensive, labour-intensive expertise just to confirm an identity. The result is that this process can take 3 weeks+ to complete, by which time conditions may have changed and investors' appetite waned. Additional continuous KYC re-certification is a regulatory requirement across all jurisdictions (best practice 6 monthly) and is currently subject to the same rigour, process and cost of initial onboarding. This, coupled with wider regulatory complexity, has meant no-one has developed a trading platform to enable UK companies to tap into these investors.We intend to address these issues and open up this market through the development of a multi-jurisdictional trading platform and a world-leading onboarding process that utilises biometric technology, AI augmented background checks, Optical Character Recognition of ID documentation, and physical liveness and likeness checking to ensure both new customer and ongoing KYC compliance checks, regulatory reporting and investing can be done as seamlessly as possible.

Zoyo Technologies在最近放松管制和富裕中产阶级投资者的迅速增长和迅速增长的基础上，Zoyo Technologies正在开发第一个使高净值个人（HNWI）从印度和中国投资于英国上市公司的高级净资产个人（HNWI）的首次投资于英国企业的首次投资 - 付出40亿英镑的投资项目的趋势。印度和中国的投资者；失去对外国投资的限制，并强烈希望多样化其投资组合，尤其是在英国公司中。目前，该市场在长期以来一直在持续不足的情况下，所有传统金融机构，银行和经纪人都专注于更大的资金交易 - 而不是个人投资者和投资。这部分是由于在既定的FCA下，每笔交易所需的每笔交易所需的高级勤奋程度很高，因此您的客户（KYC）知道您的（KYC），增强了（EDD）（EDD）（EDD）和Anti-andoney Laundersing（Aml）和Aml undersing（Aml）。尽管监管保护的重要组成部分，但在收集信息，验证和公证文档并针对国家和国际数据集进行交叉引用方面，该过程本身非常耗时，涉及大量纸质文档以及需要昂贵的，劳动力密集的专业知识来确认身份的昂贵专业知识。结果是，此过程可能需要3周+才能完成，在这种情况下，时间条件可能已经改变，投资者的胃口徘徊。额外的连续KYC重新认证是所有司法管辖区（最佳实践6个月）的监管要求，目前遭受相同的严格，过程和成本的初始入职。 This, coupled with wider regulatory complexity, has meant no-one has developed a trading platform to enable UK companies to tap into these investors.We intend to address these issues and open up this market through the development of a multi-jurisdictional trading platform and a world-leading onboarding process that utilises biometric technology, AI augmented background checks, Optical Character Recognition of ID documentation, and physical liveness and likeness checking to ensure both new customer持续的KYC合规性检查，监管报告和投资可以尽可能地无缝进行。