🇩🇪Germany
Bußgelder bei unzureichender KYC-Dokumentation
2 verified sources
Definition
Banken müssen Identität, Adresse und Einkommen prüfen; Versäumnisse bei Non-EU-Kunden erhöhen Prüfungsrisiko.
Key Findings
- Financial Impact: €5.000-100.000 pro BaFin-Verstoß
- Frequency: Bei Betriebsprüfungen (jährlich möglich)
- Root Cause: Manuelle Prozesse ohne automatisierte SCHUFA-Integration
Why This Matters
This pain point represents a significant opportunity for B2B solutions targeting Savings Institutions.
Affected Stakeholders
Compliance Officer, Geschäftsführung
Deep Analysis (Premium)
Financial Impact
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Current Workarounds
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Methodology & Sources
Data collected via OSINT from regulatory filings, industry audits, and verified case studies.
Related Business Risks
Kundenabwanderung durch langsame KYC-Verifikation
10-20% Neukundenchurn, €50.000+ pro Filiale/Jahr an verpassten Gebühren
Kapazitätsverlust durch manuelle KYC-Bottlenecks
20-40 Stunden/Monat pro Mitarbeiter à €30/h = €600-1.200/Monat
Schwere Pflichtverletzung bei Ruhigen Vermögen
Several billion euros (€ mehrere Milliarden) in unreported dormant accounts; €2 billion in inactive accounts
Ineffiziente Kontaktaufnahme zu Kontoinhabern
Billions euros (€ Milliarden) locked in dormant accounts due to manual delays; 10+ years inactivity threshold
Verbotene Abwicklung ruhiger Konten
Risk of reversal on billions euros (€ Milliarden) in potentially reclaimable dormant accounts
Einnahmeverluste durch passive Zinsbuchstrategie
Strongly negative maturity transformation contributions; cost-income ratios peaked at 70% pre-2022
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