LATAMにおけるKYCの強化：小規模な地域プレイヤーへの影響は？

It's definitely an interesting point. I've heard some smaller fintechs are struggling to keep up with the compliance costs, especially with limited resources compared to larger banks. Are you seeing this translate into market consolidation?

That's a great point about the shifting goalposts for EDD. I've heard some smaller fintechs are finding the compliance costs for these new standards are disproportionately high, making it difficult to compete with larger players who can absorb those expenses more easily. It raises questions about market concentration.