KYC/AML สำหรับ Neobank ขนาดเล็กในยุโรป

That's a really good point. It seems like the regulators are applying a one-size-fits-all approach, and for these smaller, more agile neobanks, the compliance overhead can stifle innovation. I wonder if there's an argument to be made for tiered compliance based on AUM or client volume, especially within the EU single market.

That's a very valid point. I've seen some smaller players forming consortiums or leveraging shared platforms for KYC/AML to distribute the cost and expertise, which seems to be a more viable path than each trying to build everything in-house from scratch. It's a tough balancing act.

Absolutely agree. It feels like regulators, while well-intentioned, often create frameworks better suited for large, established banks, leaving smaller neobanks struggling. I've seen some exploring shared compliance services or specialized RegTech providers to pool resources.

จริงครับ เรื่อง KYC/AML นี่เป็นต้นทุนก้อนใหญ่สำหรับ neobank เล็กๆ เลย โดยเฉพาะถ้ามีลูกค้าข้ามประเทศด้วย ผมสงสัยว่าพวกเขามีวิธีจัดการเรื่อง SDD (Simplified Due Diligence) หรือ EDD (Enhanced Due Diligence) ยังไงให้คุ้มค่าบ้าง

They're mostly relying on third-party compliance solutions and shared KYC utilities. Full automation is still a pipe dream for most, too expensive and complex for their scale, but outsourcing helps manage the operational drag.