National Commercial Bank of Anguilla.
Modernising Caribbean banking with reusable digital KYC
Book a DemoAt a Glance
The Challenge
Anguilla is a small British Overseas Territory in the Caribbean with a population of roughly 18,000 people and no major international bank branches. The National Commercial Bank of Anguilla, the island’s primary financial institution serving around 30,000 customers including diaspora, relied on in-person document collection and paper-based workflows for its Know Your Customer (KYC) obligations. This created friction for both staff and customers, and made compliance updates slow and costly.
Two compounding factors made the problem acute. First, many Anguilla residents live and work abroad yet maintain accounts locally, making in-person verification impractical. Second, Anguillans carry unique government-issued documents, including a local Voter Card and TIN card, that most global identity platforms do not support, ruling out off-the-shelf solutions.
The ShareRing Solution
ShareRing built a tailored digital KYC solution for NCBAL that addressed both the remote-access challenge and the local document gap. The bank deployed a branded ShareRing Link portal where customers could complete a full KYC update from any device, anywhere in the world.
ShareRing Me’s document vault was extended to natively support Anguilla’s unique government ID documents, including the Anguilla Voter Card, TIN card, and national ID, so that local customers could verify their identity using the documents they actually carry.
Once a customer completes KYC through the ShareRing Link portal, their verified credentials are stored in their personal ShareRing Me vault. This opens a powerful downstream opportunity: other Anguilla businesses can request just the fields they need from a customer’s already-verified vault, without asking for full document re-submission.
“Going live with the Bank of Anguilla was an exciting milestone, a real proof point that a small island nation can have enterprise-grade digital identity infrastructure.”
How It Works
What Made This Different
Local Document Support
ShareRing’s extensible document model added Anguilla-specific government documents, including the Voter Card and TIN card, directly into the platform.
Reusable KYC Network Effect
Once verified by the bank, a customer’s credential can be shared with any other ShareRing-integrated business on the island, reducing friction economy-wide.
Remote-First by Design
Customers in the Anguilla diaspora living and working in the UK, US, and elsewhere could complete their KYC entirely online, eliminating the need to visit a branch in person.
Outcomes
The deployment delivered 100% digital KYC with no paper forms required, reusable identity across the Anguilla ecosystem, and has been live in production since early 2024. NCBAL now has a modern, fully digital KYC infrastructure that serves its entire customer base, including those in the diaspora, without the friction and compliance risks of paper-based processes.