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国际资讯监管与政策

无法使用Aadhaar号码认证客户,印度Fintech公司另寻他法。

国际资讯监管与政策

无法使用Aadhaar号码认证客户,印度Fintech公司另寻他法。

近日,印度唯一的身份认证机构(UIDAI)要求Fintech公司停止使用基于Aadhaar的认证方式。

Aadhaar eKYC是一个数字化认证过程,客户的身份通过Aadhaar号码确认。

在等待RBI就合法可接受完成e-KYC的方式做出最终决定之时,各Fintech公司开始积极寻找其他方式达成数字"了解你客户(KYC)"目的。

今年10月,一些移动钱包公司要求RBI帮助他们寻找Aadhaar认证方式的替代解决方案。相关报告称,Fintech公司已经向行业监管机构多次汇报如何使用Aadhaar签约客户的方式。行业组织入印度支付理事会和印度数字借贷者协会在其中提供了帮助。

据了解,印度电信局此前禁止电信公司使用Aadhaar认证数字KYC。

这一关于使用Aadhaar认证的争论开始于最高院在一桩Aadhaar案件中的判决。判决规定自此后Aadhaar仅强制适用于申报个人所得税和分配PAN,开设银行账户或获得SIM卡将不强制要求使用。

这一标志案件中,最高院还废除了Aadhaar法案的57节,这一章曾允许私有公司询问他们用户的Aadhaar具体信息。

这一判决让许多Fintech措手不及,因为电信和Fintech公司在签约客户时一直依赖于Aadhaar进行e-KYC认证。

现在公司被禁止这么做,那他们就必须回到之前耗时耗资的实体认证过程或者想出不使用Aadhaar的认证新方式。

电信局就Aadhaar使用作出限制前,电信运营商已经向政府呼吁探索合法使用Aadhaar的方式。公司提出的方案有允许e-KYC流程自愿使用Aadhaar或引入立法框架。

同时UIDAI推迟了认证用户机构(AUA)包括银行和金融机构执行虚拟ID、UID代币和受限e-KYC的最终时限至2019年1月31日,此前设置的时限是2018年10月31日。

After Unique Identification Authority of India’s (UIDAI) asked fintech companies to stop Aadhaar-based verifications, fintech players are reportedly looking to develop alternative mechanisms for customer authentication.

Companies are searching for other means for digital Know Your Customer (KYC) while they wait for Reserve Bank of India’s (RBI) final decision on legal and acceptable ways for completing the e-KYC process. Aadhaar eKYC is a paperless process, wherein the identity of the customer is verified electronically using their Aadhaar number.

In October, some mobile wallet companies requested RBI to help them with an alternative solution to Aadhaar-based eKYC authentication.

According to reports, fintech companies have already made multiple presentations to  sector regulators on ways for them to continue customer onboarding using Aadhaar, with assistance from industry bodies like the Payments Council of India and Digital Lenders’ Association of India.

This development comes after the Department of Telecommunications (DoT) barred the use of Aadhaar by telecom companies for e-KYC authentication.

The debate on using Aadhaar for verification has been going on since Supreme Court’s ruling on the Aadhaar case which stated that henceforth, Aadhaar will be mandatory only for filing income tax returns and allotment of PAN. It will not be important for opening bank accounts or getting SIM cards.

Under the landmark judgment, the Supreme Court also scrapped Section 57 of the Aadhaar Act, which allowed private companies to ask for Aadhaar details of their users.

This decision has left many companies in a lurch, as telecom and fintech companies were relying on  Aadhaar-based e-KYC authentication for customer onboarding.

With the companies not being allowed to do so, they will now have to go back to the  time taking and costly process of physical identification or come up with new ways to authenticate users without using Aadhaar.

Bhavin Patel, co-founder, and CEO LenDenClub had earlier told Inc42, “The Supreme Court highlighted some of the flaws in Aadhar law due to which private companies have been barred from using Aadhar for identity verification. This may affect the fintech as well as other financial companies which use only Aadhar as their identity verification mechanism”.

Just prior to the DoT ruling on Aadhaar use, telecom operators had appealed to the government to explore legal ways for using Aadhaar.

Companies had suggested either approaching the SC for allowing voluntary use of the Aadhaar number for e-KYC process or introducing a legislative framework.

Meanwhile UIDAI extended the deadline for the implementation of virtual ID, UID token and limited e-KYC (know your customer) for Authentication User Agencies (AUA), including banks and financial institutions, till January 31, 2019 from October 31.

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