Authentication Model for KYC Optimization in Zimbabwean Businesses Implementing Zero Knowledge Proof for Enhanced Privacy and Secure Customer Onboarding

The rapid digital transformation being currently experienced the developing economies such as Zimbabwe has underlined the inefficiencies and vulnerabilities in security of traditional Know Your Customer (KYC) processes. These KYC processes and procedures are predominantly manual, slow and are prone to data breaches. This paper proposes a privacy preserving authentication model for KYC optimization using Zero-Knowledge Proof (ZKP) cryptography. This model addresses critical challenges which include prolonged customer onboarding times, high operational costs and data compliance risks. By means of leveraging ZKP the model enables secure identity verification without exposing sensitive data which ensures compliance with Zimbabwe Data Protection Act. A mixed-methods approach was adopted, combining qualitative and quantitative techniques to design, develop and evaluate the model. Experimental results have demonstrate significant improvements in data privacy and onboarding efficiency which has seen reduced onboarding time from 3 days to under 10 minutes. The model scalability and adaptability potential makes it suitable for diverse sectors which covers education, healthcare, e-commerce and government services therefore positioning Zimbabwe as a leader in secure digital transformation.