who live with their husband, father/mother and son, etc., banks can obtain an identity document and a utility bill of the relative with whom the prospective customer is living along with a declaration from the relative that the said person (prospective customer) wanting to open an account is a relative and is staying with him/her.
BIS central bankers’ speeches  9  •  Banks can use any supplementary evidence such as a letter received through post for further verification of the address. Financial inclusion We faced challenges in promoting financial inclusion with this KYC framework. Many of the financially excluded may not have proper official document, especially that of address as in the case of migrant people.