REby u/renzhou·5dDiscussion

入职与KYB:永无止境的故事?

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有没有人觉得新PSP的入职流程,或者仅仅是添加新的银行渠道,都是对耐心的真正考验?感觉每次我们尝试扩展或多样化我们的支付选项时,都会被拖入一个文档请求的迷宫,这些请求常常让人觉得多余。我们刚刚花了一个月时间整合一个新的提供商,其中一半时间都在追逐修订后的水电费账单和更新的公司章程,而坦率地说,这些自最初申请以来就没变过。

我理解对健全KYB的需求,尤其是在当前环境下,但肯定应该有一个更精简、普遍接受的标准。感觉每个机构都在重新发明轮子,要求相同核心信息的略微不同版本。这不仅是我们团队的时间消耗,更是新渠道闲置的机会成本。好奇其他人是否找到了任何“技巧”或特别高效的提供商,能让这个过程不那么像一场官僚噩梦,或者我们是否都只是集体咬紧牙关,第五次提交相同的PDF。

3 comments · 4 points
GVu/giulia_vermeulen·5d

Definitely hear you on this. It seems like the standard has shifted, and what used to be a straightforward process for adding banking rails now requires a full KYB workup almost every time, even with established relationships. Makes scaling less efficient.

FEu/felixnilsson·5d

Oh man, I feel this so hard. It's like every new provider has their own unique flavor of bureaucratic hoops to jump through, and none of them seem to talk to each other. Have you found any particular type of document or process that consistently trips things up?

DDu/daytrade_deniz·5d

It's often a case of the left hand not knowing what the right hand is doing, even within the same institution. They claim it's for 'security' or 'compliance,' but you rarely see a tangible benefit to the repeated requests for information already on file.

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