This work looks into how well KYC and anti-money laundering steps work inside banks. It uses numbers and info from 210 people working at finance firms to check links between staff training, how smoothly rules are followed, who trusts digital ID systems more, or less, plus how often wrong alarms wear workers out. Instead of just listing results, it digs deeper - using stats like correlations, t-tests, ANOVA, and regression models. Results show better-trained teams spot risks more accurately; rule-following setups differ a bit by firm type; also, younger folks tend to feel easier about using face or fingerprint scans when signing up. The research helps boost AML/KYC setups by upgrading staff learning, using smart tech tools, or refining check processes. Findings guide banks toward better choices - like relying on real-time info, meeting legal rules, while staying strong under pressure.