Ryan Miller
Traderส่วนตัวมองว่าช่วยได้เยอะนะ โดยเฉพาะเรื่องความเร็วและความสะดวก ลดเอกสารและขั้นตอนไปได้เยอะ ถึงแม้ค่าธรรมเนียมกับเรทจะยังเป็นปัจจัย แต่ความคล่องตัวนี่แหละคือสิ่งสำคัญสำหรับ SME
The biggest hurdle has to be standardization and interoperability across different payment service providers. Until that's smooth, it'll remain fragmented.
I'm hoping for clearer guidelines on API standards. That was a big friction point in PSD2 and if PSD3 fixes it, innovation could really accelerate.
Good point on the tech integration. We've seen that too. Legacy systems really hinder agile scaling efforts, no matter how good your banking relationships are.
I'm optimistic. The pressure from consumers and businesses for faster, cheaper cross-border payments is immense. Regulators will eventually have to adapt or risk being bypassed by private solutions.