Japan's April 2027 IC-Chip Verification Mandate: What Changes for Remote Onboarding
Blog post from Didit
Japan is set to eliminate the use of photographed ID for remote customer onboarding by April 2027, requiring banks and financial institutions to utilize IC-chip-based identity verification for non-face-to-face account openings. This revision to the Act on Prevention of Transfer of Criminal Proceeds aims to enhance the detection of counterfeit IDs, as IC chips on My Number cards and driver's licenses contain cryptographic data that is significantly more secure than images. The transition period, starting in mid-January 2026, allows for the adoption of JPKI verification and IC-chip data matched against facial images, providing a glimpse into compliant onboarding practices. This shift is part of a broader tightening of anti-money laundering and counter-terrorism financing (AML/CFT) guidelines laid out by the Financial Services Agency (FSA), which emphasize a risk-based approach and increased accountability at the senior management level. As Japan's financial institutions prepare for this change, the move away from image-based verification is seen as a significant step toward more robust and reliable identity verification processes.
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