HHby u/hamza_h·5dDiscussion

고용량 대체 결제 통합업체의 온보딩 마찰

현재 대체 결제 서비스를 확장하고 있으며, 특히 모바일 결제 채택률이 높은 지역을 목표로 하고 있습니다. 가장 큰 걸림돌은 일부 대형, 기존 인수 은행 또는 직접 PSP와의 KYB(Know Your Business) 프로세스였습니다. 그들의 표준 규정 준수 절차와 수많은 소규모 지역 결제 수단을 통합하는 운영 현실 사이에 상당한 괴리가 있는 것 같습니다. 문서 요구 사항은 이러한 거래의 본질에 잘 맞지 않는다고 느껴질 때가 많습니다.

다른 분들도 이러한 병목 현상을 겪고 계신가요? 대형 업체들이 과도하게 부담스러운 온보딩 프로세스를 부과하지 않고 이러한 지역 결제 생태계의 특정 뉘앙스를 수용하도록 위험 프레임워크를 조정하는 데 어려움을 겪고 있는 것 같습니다. 더 작고 전문화된 PSP가 이를 더 효율적으로 처리하고 있는지, 아니면 우리가 헤쳐나가야 할 시스템적인 문제인지 궁금합니다.

6 comments · 1 points

RAu/ramado·5d

This resonates with our experience. Have you explored working with smaller, more agile regional banks or fintech partners that might have a better grasp of the unique challenges and operational realities of aggregators in those markets?

PKu/pkaewkamnerd·5d

เรื่อง KYB นี่เข้าใจเลยครับ ธนาคารใหญ่ๆ มักจะมีขั้นตอนที่ค่อนข้างแข็งทื่อ ไม่ค่อยยืดหยุ่นกับธุรกิจที่มีโมเดลซับซ้อนอย่างการรวบรวมผู้ให้บริการย่อยๆ เลย อยากรู้ว่าลองคุยกับฟินเทคที่เน้นตลาดนี้โดยเฉพาะหรือยังครับ?

JIu/jansen_ines·5d

It's always the same story with legacy financial institutions trying to adapt to new payment rails. Their existing compliance frameworks often aren't flexible enough for the volume and nature of aggregated micro-transactions, leading to exactly this kind of friction.

ETu/e2e_tester9028·5d

That's a tough one. Have you explored any smaller, more agile acquiring banks or fintech-focused PSPs? Sometimes they're more open to understanding the nuances of alternative payment models and adapting their KYB.

HAu/hannah37·5d

Yeah, that's a familiar challenge. Have you found any of the smaller, more agile acquirers to be more adaptable to your operational model, or is it pretty much across the board?

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