Sumsub：2026年 KYC 领域研究报告：重塑身份验证未来变革（英文版）（54页）.pdf

1、KYC in 2026:the shifts shaping the future of identity verificationTable of contentsWhy KYC is under pressureThe five shifts reshaping identity verification and KYCHow these shifts play out by industryHow to assess and upgrade your KYC strategyIdentity verification beyond 2026How Sumsub can help49354

2、24953Please avoid sharing the content of this report without crediting Sumsub.Sum and Substance Ltd(UK),20263KYC in 2026:the shifts shaping the future of identity verificationIntroductionNot long ago,paying for something meant reaching for your wallet:pulling out a card,handing it over or swiping it

3、 yourself,waiting for the terminal,signing a receipt,entering a PIN,or sometimes showing an ID.The process worked but it asked the user to stop,prove,and confirm.Then the experience transformed.Cards no longer needed to be swiped;they could be tapped.Phones,watches,and wristbands turned into payment

4、 methods.Biometrics replaced physical signatures.A fingerprint,a face scan,or a quick tap became enough to authorize a transaction.Behind the scenes,payments intelligence became more connected,devices could be identified,and verified credentials could be stored digitally and reused.Thats how trust s

5、ystems evolve.As technology improves,the methods people rely on to prove and confirm move from visible and manual to embedded and adaptive.Identity verification is now going through the same kind of transformation.For years,KYC checks have largely followed a manual model:upload a document,take a sel

6、fie,wait for approval.Like early card payments,KYC asked users to stop,prove,and confirm.But that model is starting to break down.This guide explores the shifts reshaping identity verification and what they mean for the future of KYC.Why KYC is under pressureChapter 15KYC in 2026:the shifts shaping