Any mechanism which avoids face to face contact between institutions and applicants inevitably poses difficulties for customer identification and produces a useful loophole that money launderers may wish to exploit.

• 任何机制如果使机构不能与客户直接接触的话,必然会对核实客户身分造成困难,并产生漏洞,让清洗黑钱的人有机可乘。