# How to enhance a Know Your Customer (KYC) flow with US Open Finance APIs
source: https://developer.mastercard.com/blog/how-to-enhance-kyc-flow-with-us-open-finance/index.md

Authors: Derek Humphreys. Description: This video will show how you can piggyback the KYC a bank has already carried out to fast track your own KYC pipeline. When we open a bank account, we go through an extensive KYC process providing government issued photo identification, utility bills, email validation etc. The banks take great pride in ensuring that "you are who you say you are" and "live where you say you live"; and they keep this up to date. You don't want to have to go through any of this with your own application but now you can use the US Open Finance API to take advantage of the KYC process the bank has already carried out. I should quickly explain what I mean by Open Finance. Simply put, it allows the owner of a bank account to grant third-party access to that bank account. They can control what accounts can be seen, how long that access can be granted for and for what purpose. The bank account owner (your customer) feels safe doing this because they are authenticating directly with their bank, using their online banking credentials, confident that the third party won't see or store them. The beauty of the US Open Finance API is that it handles the connections to all the banks (10,000+ US connections), provides a secure dialog so the account holder can authenticate, and caches the financial data so when you execute a query it comes back quickly (not having to make a round trip to the bank every time). In this video I will walk you through how to pull the name and address that the bank has attached to the account. You can then check if this matches the details the customer has provided you with. If you haven't already done so, check out our getting started blog video that will walk you through the steps to create your account, get your sandbox keys and get connected to the US Open Finance APIs here. Follow this link here to get more details about the Verify the Account Owner API endpoints.