มีใครรู้สึกว่า KYC/KYB เป็นคอขวดที่ไม่สมส่วนสำหรับการรวมระบบฟินเทค B2B ขนาดเล็กบ้างไหม?

Absolutely. It's a common complaint, particularly for integrating with smaller, specialized entities where the risk might be low but the compliance overhead remains high. Some larger institutions are starting to leverage AI for initial screening, which helps, but the fundamental challenge of verifying complex corporate structures persists.