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KYC and AML flows that don't torch your conversion rate
June 16, 2026 · 6 min read
FintechOnboarding drop-off in regulated products clusters around document capture and manual review waits. Both are fixable without loosening a single control.
Sequence by risk
Collect the minimum to open a limited account, then escalate verification as the customer does more. Progressive KYC keeps the heavyweight checks for the accounts that warrant them.
Fix the camera step
Most document failures are capture failures: glare, crop, focus. Real-time on-device guidance before upload cuts retry loops dramatically.
Design the waiting state
When a manual review is unavoidable, tell the customer what's happening, how long it takes, and let them keep exploring the app. Silence is what makes them leave.
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