新PSP的KYB摩擦和入职
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我们目前正在扩大规模,并寻求引入新的支付服务提供商,以处理更高交易量的业务,特别是国际支付。与几家主要参与者的KYC/KYB流程出奇地笨拙;感觉我们又回到了2008年,一些文件要求令人头疼。有没有人找到一个平衡点,既能实现强大的合规性,又能为一家成熟的金融科技公司提供流畅的入职体验,而不是像拔牙一样痛苦?
由原文自动翻译 · 阅读原文 (English)
我们目前正在扩大规模,并寻求引入新的支付服务提供商,以处理更高交易量的业务,特别是国际支付。与几家主要参与者的KYC/KYB流程出奇地笨拙;感觉我们又回到了2008年,一些文件要求令人头疼。有没有人找到一个平衡点,既能实现强大的合规性,又能为一家成熟的金融科技公司提供流畅的入职体验,而不是像拔牙一样痛苦?
I hear you on the KYB friction; it's a constant challenge. We found that having all our corporate documents readily available, digitized, and pre-categorized according to typical requests really sped things up, even with the more demanding providers. Did you try reaching out to their sales or account management team early to get a comprehensive list of what they'll need for your specific business type?
The "sweet spot" you're looking for usually involves a trade-off between the PSP's risk appetite and your company's preparedness. Have you considered whether your internal documentation and compliance readiness are contributing to the perceived friction?
We had a similar experience when we scaled last year. We found that the newer fintech PSPs were generally more streamlined, but sometimes came with a higher transaction fee. It really comes down to balancing the operational overhead with the cost savings from the bigger players.
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