HHby u/hamza_h·5dDiscussion

Atrito no Onboarding para Agregadores de Pagamentos Alternativos de Alto Volume

Traduzido automaticamente do original · Ler o original (English)

Estamos atualmente expandindo nossas ofertas de pagamentos alternativos, visando especificamente regiões com alta adoção de dinheiro móvel. O principal ponto de atrito tem sido o processo KYB com alguns dos maiores e mais estabelecidos bancos adquirentes ou PSPs diretos. Parece haver uma desconexão significativa entre seus procedimentos de conformidade padrão e as realidades operacionais de agregar vários métodos de pagamento locais menores. Os requisitos de documentação muitas vezes parecem inadequados para a natureza dessas transações.

Mais alguém está enfrentando esse gargalo? Parece que os players maiores estão lutando para adaptar suas estruturas de risco para acomodar as nuances específicas desses ecossistemas de pagamento regionais sem impor um processo de onboarding excessivamente oneroso. Pergunto-me se PSPs menores e mais especializados estão lidando com isso de forma mais eficiente, ou se é um problema sistêmico que simplesmente temos que contornar.

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?

Participe da discussão original →

Traderforum · Português