As of July 2027, the banking landscape will undergo a profound transformation. Under the aegis of the European Anti-Money Laundering and Countering the Financing of Terrorism Authority (AMLA), KYC (Know Your Customer) regulations will intensify, requiring financial institutions to exercise increased vigilance against money laundering and terrorist financing. In response to this challenge, Business Elements Reply has developed the KYC Accelerator.

Far from rigid, off-the-shelf solutions, Business Elements’ approach is based on a hybrid philosophy. “We combine proven technological tools with in-depth compliance expertise,” explains Laurent Deramaix, CEO of Reply Belgium. “The objective is to integrate KYC throughout the entire customer lifecycle, from marketing to contracting, while providing a 360-degree view that is essential for both front- and back-office teams.”

Michael de Schepper, Senior Manager, reinforces this point: “For financial institutions, there is not only a compliance challenge but also a major operational issue. Indeed, they will face a significant increase in workload, along with greater complexity. In response to this pressure, our KYC Accelerator is designed to industrialise and streamline critical processes.”

AI collects and pre-analyses information, but final validation remains a human prerogative.

A flexible platform powered by Artificial Intelligence

The key innovation of this accelerator lies in its architecture. Built on Microsoft technologies (Dynamics 365, Power Platform, and Azure), it adopts a “data-centric” rather than “process-centric” approach. “This distinction is crucial: it enables complete flexibility,” the CEO specifies. “Each financial institution has its own processes, and regulation is, by nature, evolving. Where a standard solution would prove costly or difficult to modify, the KYC Accelerator allows parameters to be adjusted with agility, without reinventing the wheel.”

Artificial intelligence enhances the solution by automating time-consuming tasks. However, Michael de Schepper emphasizes one important point: “AI collects and pre-analyses information, but final validation remains a human prerogative.”

This technological synergy is part of Reply’s broader strategy. By bringing together highly specialized entities, the group creates an ecosystem capable of covering the entire digital value chain. “Our partnership with Microsoft enables us to offer a future-proof solution, capable of adapting to the specificities of the Belgian market while ensuring maximum security,” concludes Laurent Deramaix.

This article was originally published in French as part of the Innovation campaign on Thursday, March 12, 2026, in collaboration with Trends-Tendances, and is also available in digital format on the Planet Future website.