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A Blockchain-Based Know Your Customer and Digital Identity Verification Framework for Cross-Border Financial Compliance
Open accessAbstract
Cross-border financial transactions increasingly require robust, secure, and efficient mechanisms for customer identity verification. Regulatory compliance, particularly with Know Your Customer (KYC) standards, Anti-Money Laundering (AML) obligations, and counter-terrorist financing regulations, imposes significant operational and procedural burdens on financial institutions engaged in international finance. Traditional KYC processes rely heavily on manual verification, centralized databases, and fragmented identity documentation, often resulting in inefficiencies, duplications, and heightened exposure to fraud. In response, blockchain technology has emerged as a promising solution, offering decentralized, tamper-proof, and verifiable identity frameworks that can streamline KYC operations, reduce duplication, and enhance cross-border compliance. This paper proposes a conceptual blockchain-based framework for digital identity verification in cross-border financial contexts. The framework leverages distributed ledger technology to securely manage identity credentials, facilitate interoperability among financial institutions, and maintain compliance with international financial regulations. The study synthesizes prior research on blockchain applications in financial services, digital identity management, and KYC automation, highlighting challenges such as privacy, scalability, interoperability, and regulatory integration. By integrating blockchain with secure digital identity protocols, the proposed framework aims to enhance efficiency, trust, and compliance in international financial operations. The paper concludes with a discussion of implementation considerations, potential limitations, and future research directions to enable secure, scalable, and regulatory-compliant digital identity verification in cross-border financial ecosystems.
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“They are core components of financial sustainability in mission-driven institutions (Liadi, 2022, Omoegun, et al., 2022, Opara, et al., 2022).”
From Conceptual Model for Financial Sustainability and Strategic Resource Allocation in Nonprofit Organizations (2025) · cites this paper as Omoegun, et al., 2022
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Metadata
- Authors
- Omoegun, G. O., Fadayomi, O., Bello, A. D., Elebe, O., & Hammed, N. I.
- Affiliations
- Nottingham Trent University (GB)
- ORCID
- Elebe, Oghenemaiga
- Venue
- International Journal of Multidisciplinary Research and Growth Evaluation
- Publisher
- Anfo Publication House
- Published
- 2022
- Volume
- 3
- Issue
- 6
- Pages
- 926-934
- ISSN
- 2582-7138 (ISSN-L)
- OpenAlex
- W7124937311
- Cited by
- 9
- References
- 0
- Citations by year
- 2026: 1 · 2025: 1 · 2023: 2 · 2022: 5
- FWCI
- 1.98
- Type
- journal article
- Language
- en
- Open access
- bronze
- doi.org
- Locations
- International Journal of Multidisciplinary Research and Growth Evaluation (publishedVersion)
- Topics
- Physical Sciences › Computer Science › Information Systems › Blockchain Technology Applications and Security
- Physical Sciences › Computer Science › Information Systems › Blockchain Technology in Education and Learning
- Social Sciences › Economics, Econometrics and Finance › General Economics, Econometrics and Finance › Digital Transformation in Financial Services
- Keywords
- blockchain, know your customer, digital identity verification, cross-border financial transactions, anti-money laundering, counter-terrorism financing, financial compliance, distributed ledger technology, privacy, scalability
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