Paper Title
Interplay between Know Your Costumer (KYC) and data privacy.
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Registration ID: IJNRD_310861
Published ID: IJNRD2511360
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Keywords
Know Your Customer (KYC) Compliance, Data Privacy, Digital Personal Data Protection Act 2023, Banking Regulation, Customer Due Diligence.
Abstract
The growing regulatory framework surrounding Know Your Customer compliance has immensely changed data governance practices in the banking industry. While KYC regulations are important in preventing money laundering, financing terrorism, and financial fraud, they also involve extensive collection, verification, and storage of sensitive personal information from customers. This paper examines the intricate balance between mandatory KYC requirements and new standards of data privacy, particularly with regard to evolving digital banking environments and extended privacy regimes such as the Digital Personal Data Protection Act, 2023. The research investigates how banks balance the need for extensive customer due diligence with the need to comply with the principles of data minimization, purpose limitation, and informed consent. Through a doctrinal and comparative analysis of regulatory standards, compliance guidelines, and judicial methodologies, the paper highlights persisting tensions, systemic weaknesses, and the need for integrated policy frameworks. Finally, the study calls for a robustly designed regulatory framework that shields financial integrity while preserving the fundamental right to informational privacy.
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How To Cite (APA)
Arghya Pattanayak, Arpita Nayak, & Manorama Moharana (November-2025). Interplay between Know Your Costumer (KYC) and data privacy.. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 10(11), d655-d666. https://ijnrd.org/papers/IJNRD2511360.pdf
Issue
Volume 10 Issue 11, November-2025
Pages : d655-d666
Other Publication Details
Paper Reg. ID: IJNRD_310861
Published Paper Id: IJNRD2511360
Research Area: Other area not in list
Author Type: Indian Author
Country: Cuttack, Odisha, India
Published Paper PDF: https://ijnrd.org/papers/IJNRD2511360.pdf
Published Paper URL: https://ijnrd.org/viewpaperforall?paper=IJNRD2511360
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