KYB for non-crypto fintech - still seeing a lot of manual review

Running a payment service for small businesses, and frankly, the KYB process is still the wild west outside of the big established players. We've integrated with a couple of the newer API-first providers, but the number of referrals for manual review, especially with complex ownership structures or multi-jurisdictional entities, remains stubbornly high. It feels like we're still effectively running a glorified internal review team for the 'edge cases.' Anyone else feel like the promise of automated, lightning-fast KYB for non-crypto isn't quite there yet? Or are we just picking the wrong stack?