Telco onboarding has bank-grade obligations in many countries and none of the tolerance for friction. It is also where synthetic identities and bulk fraudulent signups arrive first, because the accounts are cheap and useful elsewhere.
The same identity work that keeps consumer onboarding fast also identifies the SIM cards and lines a business account runs on, so business services activate on a verified line rather than a self-declared one. KYB resolves the company and the people behind the account the same way.
What works here is a risk-based flow with a low floor: almost nothing for the ordinary customer, real scrutiny for the patterns that indicate an account being opened to be sold.
Where consumer credit is part of the offer, whether that is a device instalment plan or a deferred-payment product, consumer credit under CCD2 sets out the regime and the deadline it runs against.