But there is a major roadblock in the digitisation push: Know Your Customer (KYC). Around 40%–45% of the EPFO grievances are still linked to unsettled claims. This video breaks down how incomplete KYC details can flag claims and delay the supposedly instant settlement process. It also explores another perspective: While EPFO officials identify incomplete KYC as the core issue, labour unions point to limited digital awareness among several provident fund (PF) claimants and challenges in completing KYC verification. From EPFO 3.0 and auto-settlement to KYC hurdles and digital awareness, this video explains what is changing and why gaps remain in the system.