Capgemini has launched a perpetual Know-Your-Customer (pKYC) sandbox environment to support financial institutions in moving away from static, periodic reviews towards a model of continuous, real-time compliance.
The solution enables firms to simulate pKYC processes and assess regulatory readiness in a controlled, cloud-compatible setting.
Developed in collaboration with multiple technology providers, the sandbox introduces a flexible framework that integrates third-party RegTech components. Financial institutions can trial event-based reviews using automated, data-led workflows to detect changes in customer profiles and reassess exposure to anti-money laundering (AML) risks. The environment is designed to validate the effectiveness of pKYC models before full-scale implementation, providing visualisation tools for internal and regulatory stakeholders.
According to Capgemini, the sandbox supports secure testing of compliance processes without the use of real customer data, facilitates integration with regulatory technologies, and enables real-time monitoring of risk signals. It also allows organisations to identify operational bottlenecks, optimise workflows, and prepare for broader deployment.
Capgemini risk and financial crime compliance global head Manish Chopra said: “Static KYC processes present opportunities for financial criminals to exploit gaps and weaknesses for money laundering and other fraudulent activities, creating a continuous risk factor for financial institutions.
“We firmly believe that perpetual KYC is the approach needed to protect financial institutions from undue risk, enforcement actions, and large fines.
“The pKYC sandbox capability marks a significant advance for industry compliance, meeting regulators’ growing expectations of responsible innovation. It is an actionable measure for financial institutions to demonstrate how they are mitigating inherent risk exposure more effectively.”
The sandbox forms part of a broader strategy by Capgemini to enhance its offerings in financial crime, risk management, and regulatory compliance services.
The launch follows the group’s acquisition of Delta Capita, a European consultancy with a focus on KYC transformation and financial crime compliance (FCC) solutions. Capgemini previously acquired the FCC division of Exiger in 2023, marking a second major investment in this space.
The company stated that the expansion of its services across financial crime, risk management and regulatory compliance, combined with the recent acquisition of Delta Capita, reinforces its positioning as a preferred provider of FCC solutions.
Capgemini described the sandbox as a tool for demonstrating end-to-end compliance architecture, testing the performance of pKYC models under real-world conditions, and accelerating adoption of real-time AML frameworks. By reconciling internal and external data sources, the solution enables firms to continuously monitor customer information and update risk assessments as required.
The environment has been designed to support modular deployment across diverse cloud platforms and adapt to varying regulatory regimes. Capgemini confirmed that the sandbox is now fully integrated into its FCC services portfolio, enabling financial institutions to pilot pKYC models, fine-tune configurations and progress toward operational readiness at scale.
