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Credit

KYC

Also known as: Know Your Customer, Conoce a tu Cliente

Definition

KYC (Know Your Customer) is the regulatory process of verifying a customer's identity before providing them financial services. Mandatory for banks and fintechs.

LATAM context

KYC across LATAM includes verifying identity (official ID), address (recent proof), and sometimes source of income. Bank statements are frequently required as proof of income in KYC processes for credit.

Concrete example

A Mexican credit fintech requests: government ID + CURP + proof of address + the last 3 months of bank statements to validate income before extending a credit line.

How it shows up on your bank statement

The bank statement is commonly used as proof within the process: it supports address, account ownership and, for companies, the match between the registered company name and the operating account. What gets read is the header data, not the transactions.

How does finO$ handle this?

finO$ processes an applicant's bank statements in seconds, speeding up the time-to-decision of the KYC process.

Related terms

Need to convert bank statements into structured data?

Just one file? Use the free converter to convert your bank statement to Excel.

Frequently asked questions about KYC

Why am I asked for a bank statement to verify my identity?

Because it proves both an address and a relationship with a financial institution that already verified you. It's a document that's hard to convincingly fake, and most people can get one in minutes.

What maximum age is usually accepted?

One of the last three months is standard, because the goal is to prove a current situation. A year-old statement doesn't prove you still live at that address.