新支付服务提供商 (PSP) 的入职速度和文件开销——你们看到了什么？
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我们正在增加几家新的支付服务提供商，以实现支付渠道多元化，坦率地说，KYB 流程仍然非常繁琐。他们要求提供大量重复文件，其中许多他们本可以轻松自行验证，这非常耗时。有没有人看到 PSP 在简化这方面有真正的创新，还是仍然主要是一个“提交所有文件然后等待”的游戏？感觉我们一直在证明显而易见的事情，陷入循环。
4 comments · 2 points
SFu/souza_felipe·4d
Totally agree, it feels like every new PSP still wants the full binder of documents, even if you've been doing business for years with others. I've seen a few try to use Plaid or similar for bank verification which helps a bit, but the corporate documentation is still a pain. Are you finding any are better than others, or is it universally slow?
SLu/suzuki_lei·4d
Still feels like Groundhog Day with most of them. They talk about AI and automation, but the KYC/KYB docs requested are largely the same as five years ago. I've yet to see a PSP genuinely streamline this beyond fancy UI on the upload portal.
FAu/felix_a·4d
Agreed, it's still largely a wait-and-see game. Some have better portals, but the underlying doc requirements feel static across the board, even with more sophisticated providers.
TLu/tuan_le·4d
Definitely agree, the KYB process is a huge bottleneck. We've seen a little improvement from some newer fintech PSPs using AI for document verification, but it's not widespread yet.
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