e-KYC (Electronic Know Your Customer)

e-KYC (Electronic Know Your Customer)
Er. Chhungpuia Renthlei
Senior Technical Officer
NIELIT Aizawl

e-KYC (Electronic Know Your Customer) hi computer leh thiamna thar hmanga paper tel lova mahni nihna in-verify-na (fiahna) a ni. Document lekha tam tak fawm khawm leh thlalak thawn buai ngai lovin, Aadhaar hmangin reiloté chhungin nihna a fin fiah zung zung theih a ni. He technology thar duang chhuaktu hi UIDAI (Aadhaar siamtute) a ni.

Eng tik khan nge India ramah e-KYC hi a lo intan?
Electronic KYC (e-KYC) hi India ramah September 2013 khan dan angin hman tan a ni. A hma chuan bank account hawn dawnin lekhapui tam tak ziah leh thlalak duplicate photocopy a ngai thin a. Mahse, September 2, 2013 khan Reserve Bank of India (RBI) chuan Aadhaar tana thawktu UIDAI biometrics hman khawm chu bank account hawnna hmanrua (Officially Valid Document) ni tling tawh angin a rawn pawm ta a ni.A hmanrua (Technology) siamtu chu UIDAI (Unique Identification Authority of India) an ni. Anni hian Aadhaar card infrastructure hmangin paper hman ngai lohna e-KYC hi an rawn siam chhuak a ni.

India ram a e-KYC hmasawn chhoh dan:
September 2013 khan RBI-in Aadhaar hmanga digital verification tih a phal.October 2013 khan Axis Bank chuan ram chhunga a vawi khatna atan biometric e-KYC a a hmang. 2015–2016 chho khan : Mobile phone-a OTP (One Time Password) rawn thleng hmanga mahni awm hmun atanga in very nghal zung zung theihna (OTP-based e-KYC) a lo chhuak. 2018–2019 khan Supreme Court chuan mi mal company-ten Aadhaar e-KYC an hman thin erawh fimkhur thu ah a khap a. Mahse sorkar chuan dn siamtha-in, mipuite’n mahni duhthu ngeiin bank leh SIM laknaah Aadhaar tihluh hivawiin thlengin kan hmang zui thei ta a ni.

Axis Bank hi Bank zinga hmang hmasa ber tu a ni. October 24, 2013 khan Axis Bank hotu lian (CEO) Shikha Sharma leh UIDAI Chairman Nandan Nilekani te chuan India rama a vawi khatna atan kutzungchal nem (biometric scanning) hmanga e-KYC account hawn theihna an tlangzarh a. Bank branch 1,000 zet-ah he khawl thar hi dah zui nghal a ni. Mipui tan account hawn a awlsam hle.

SBI hian kum April 2014 vel atang khan "TAB Banking" leh biometric e-KYC (Aadhaar & Digital) a hmang țan a. A hnuah, an mobile app SBI YONO hmangin tuman branch pan ngai lova self-verification (Video KYC leh OTP e-KYC) tih theihna an rawn chhawp chhuak zui leh bawk. Tun thleng hian SBI chuan an hmalakna 'Project Saral' hnuaiah an bank services hran ghrang (loan, account, PPF) tan KYC vawi khat chauh tih ngai tura awlsam (unified KYC) siam tumin hma an la mek.

MRB hian Kum 2004–2005 khan physical KYC tihluh hi mandatory-in an lo kalpui È›an ve nghal a. e-KYC (Aadhaar & Digital) hi Kum 2014-2015 atang khan khaw hla zawk leh remote area mipuite tan an Business Correspondents hmangin kutzungpui scan (Micro-ATM/Biometric e-KYC) hmanga account hawn thar an kalpui È›an ..Tuna an hmasawnna thar bera tarlan chuan, mahni details thlak ngai lo tan chuan Branch-a kal buai ngai lovin MRB Mobile Banking/ Internet Banking kaltlangin Re-KYC (KYC update) hi awlsam takin mahni in atangin a tih theih tawh a ni.

SBI Mobile App Hmanga Re-KYC Update Dan:
1. I nihna (Details) thlak danglam tur a awm loh chuan Branch-a kal buai a ngai lo. State Bank of India (YONO SBI App) hmangin hetiang hian ti ang che.
2. I phone-ah YONO SBI App hawng la, Login rawh.
3. Menu hnuai lamah khan "Service Request" tih ah lut rawh.
4. Chuta tang chuan "Profile" tih thlang leh rawh.
5. "Update KYC" tih lo awm kha hmet la, i details a la ngai a nih chuan sorkar dan dungzuiin tlar hnih thum chauh hmeh tur a awm ang.
6. I phone-a OTP rawn thleng i chhut luh rualin i KYC a in-update nghal ang.YONO app-ah hian 'Your KYC is up to date' a intih chuan tih thar a ngai rih lo tihna a ni.

Mizoram Rural Bank (MRB Mobile App) hmang KYC Update Dan:
1. MRB Mobile Banking App-ah Login rawh.
2. "Services / Requests" laiah lut la, "Re-KYC / KYC Update" tih thlang rawh.
3. I details a la ngai a nih chuan "No Change in KYC Details" tih box-ah tick (✓) rawh.
4. Submit la, I phone-a OTP rawn thleng chhut luh khan a zo nghal a ni.

Mizoram Police Thurawn (KYC Scam Venna):
1. Link Hriatloh Hmet Suh: "I KYC a thi, he link-ah hian lut rawh, a nih loh chuan I account kan khar ang" tih SMS/WhatsApp rawn thleng te hi Phishing/Scam a ni. Hmet chhin miah suh.
2. Thuruk Hrilh Suh: Bank-in phone-ah OTP, Net Banking Password, ATM PIN, emaw MPIN an dil ngai lo che. Tuman hrilh suh.
3. Remote App Install Suh: KYC tihpui chhuanlama AnyDesk, TeamViewer, emaw RustDesk install turin an hrilh che a nih chuan an bum mek che a ni. Install miah suh.

Aadhaar e-KYC leh AePS (Kutzungpui Inbumna) Laka Inven Dan:
Tunlaiin Aadhaar card number leh kan kutzungpui (biometrics) copy ruchhuakin, kan hriat lohin AePS (Aadhaar Enabled Payment System) kaltlangin bank account atangin pawisa an lo la chhuak thin .
Inven dan:
Aadhaar Biometrics Lock Rawh: Mobile-ah mAadhaar App download la, chuta tang chuan I Biometrics (Kutzungpui scan) kha "LOCK" tlat rawh. I lock chuan tuman kutzungpui dawt hmangin I account atangin pawisa an la chhuak thei lo vang. Bank-a hna I thawh dawn chauhvin hmet "Unlock" leh mai tur a ni.
Aadhaar Card Share Fimkhur Rawh: Mi hriatloh hnenah emaw xerox dawrah emaw Aadhaar card thlalak leh number hnutchhiat mai mai suh.

Mipui tana Hriattirna Fimkhur tur (Public Awareness Tip)

Bank account-te kum 10 a tlin hian a buai loh nan KYC re-verification (update) tih leh È›hin a ngai a. Hemi kawngah hian scammer (inbumhmang)-ten bank hming sawiin SMS emaw call emaw hmangin inbumna an kalpui È›hin. SBI leh MRB hian OTP, Password, emaw Bank PIN thuruk mimal hnenah an dil ngai lo che tih hria la, phone-ah tuman inhrilh ngai suh ang che. Tunlaiin SBI, Mizoram Rural Bank (MRB) hming, leh Aadhaar card chhuanlama hmanga pawisa inrawkna (Cyber Fraud) a tam em em a.  I pawisa an laksak palh a nih chuan, chumi hnu minute 15 chhungin National Cyber Crime Helpline: 1930 emaw, internet-ah: www.cybercrime.gov.in-ah report nghal vat tur a ni.
 

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