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arXiv · 2112.01237

Designing a Framework for Digital KYC Processes Built on Blockchain-Based Self-Sovereign Identity

Vincent Schlatt·Johannes Sedlmeir·Simon Feulner·Nils Urbach
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Abstract

Know your customer (KYC) processes place a great burden on banks, because they are costly, inefficient, and inconvenient for customers. While blockchain technology is often mentioned as a potential solution, it is not clear how to use the technology's advantages without violating data protection regulations and customer privacy. We demonstrate how blockchain-based self-sovereign identity (SSI) can solve the challenges of KYC. We follow a rigorous design science research approach to create a framework that utilizes SSI in the KYC process, deriving nascent design principles that theorize on blockchain's role for SSI.

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Vincent Schlatt, Johannes Sedlmeir, Simon Feulner, Nils Urbach. 2021-11-11. Designing a Framework for Digital KYC Processes Built on Blockchain-Based Self-Sovereign Identity. https://doi.org/10.1016/j.im.2021.103553

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