“Know your customer” (KYC), while a critical regulatory requirement, can quickly get gummy and frustrating when data is scattered across multiple systems. Financial institutions collect massive amounts of customer data—where people live, what they drive, whether they own homes, what credit cards they use—that can satisfy anti-money laundering (AML) and KYC regulations. But data in disparate systems set off a domino effect. It becomes stale and inaccessible. Banks struggle to properly conduct due diligence. Customers grow increasingly frustrated. KYC might as well stand for Know Your Challenges.