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Digital Onboarding With Limited Access (Prospects who are NOT…
Digital Onboarding
With Limited Access
Limitations
Channel Access
Access restricted to WOL
Access given to rest all digital channels (MB, ATM etc.)
All branch access should be restricted
Branches should not be able to serve
these customers from CRM or from BaNCS Links
All access to Call Center
For Al Amil, only offsite ATMs
to be allowed to access (BAU)
Transactional
Incoming Funds
Maximum Balance of 1000 KWD
at any given point of time
Incoming FT from international should
NOT exceed this limit
Deposits done into this account should
NOT exceed this limit
Deposits done in branches should
NOT exceed this limit
Incoming FT from domestic should
NOT exceed this limit
Incoming Cheques from anywhere should
NOT exceed this limit
Incoming FT using QuickPay
should NOT exceed this limit
Outgoing Funds
Bill payments should NOT exceed KWD 100 per month.
This includes the payments done on any channel OR via
upcoming products like EBPP or Direct Debits (from KNPS)
Outgoing FT to international should
NOT exceed KWD 500 per month.
This includes SWIFT and RIPPLE
Outgoing FT to domestic should
NOT exceed KWD 500 per month, irrespective of
the products used (RTGS, ACH, MPS etc.)
Cardless Cash Withdrawal should
NOT exceed KWD 100 per month
Prepaid Card Loading should
NOT exceed KWD 1000 per month
Any other type of POS txn
using Debit Card should NOT exceed
500 KWD per month
Products & Services
Restrictions
No Loans should be allowed
No cheque-books should be allowed
No credit cards should be allowed
Facility to open new accounts
from WOL should not be allowed
No Standing Order should be allowed
Branch Selection
For Al-Amil only three branch
should be available in the dropdown
For Shababs, they can select any branch
Operational
Requirements
Branch
Branches should be able to
Identify such customers
Branch should be able to
perform Full KYC
Collect current Address
Collect International Phone Number
Collect Other Information:
Birth Country
City Of Birth
Country Of Origin
Family Information:
Marital Status
Number Of Children
Souse' Full Name
Children Full Name
Branch should be able to "switch"
limit access accounts to full access accounts
Merchant requirements
for KNET deposits
Recon Requirements
for KNET deposits
MIS requirements
Prospects who are
NOT applicable?
Existing customers
Invalid Civil ID
CID getting expired
within a month
Do not have local
Kuwait Number
OTP verification unsuccessful
Who do not pass the
liveliness check
Face does not match
with Civil ID
US Nationals
Pay taxes to US
Politically Exposed
Prospects who are less
than 15 years old
Products to be offerred
Watani Express
Debit Card
Prepaid Card
(Multi-Currency Prepaid Card)