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小規模ベンチャー向けに新しい法人アカウント開設を検討しているが、複雑なものではない。これらの新しいデジタルファースト銀行、特に規制の緩い管轄区域に拠点を置く銀行のいくつかは、ティア1機関よりも驚くほどオンボーディングが迅速で、KYC/AMLチェックも厳しくないようだ。これは単なる幻想なのか、それとも小規模アカウント/エンティティには実際に異なる基準が適用され、将来的にコンプライアンス問題に遭遇することなく、実行可能で迅速な選択肢となっているのか？
It's an illusion. Lower initial friction doesn't mean less scrutiny later; they often just front-load less and do deeper dives once transaction volumes pick up. The regulations still apply, even if they appear to shortcut the initial process.
That's really interesting! I've noticed something similar when looking at some newer fintech solutions. Do you think it's more about the size of the venture, or perhaps the type of transactions they're expecting?
That's an interesting point. I've noticed that too, especially with some of the fintechs that seem to operate in a bit of a gray area. Do you think they might just be outsourcing a lot of that due diligence, or could it be that regulators are slower to catch up with their models?
It's likely an illusion for the most part. They might be quicker on initial checks, but once transaction volume picks up, expect to get hit with the same scrutiny, if not more, to compensate for their initial laxity. Regulators catch up eventually.
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