高交易量中小企业的入驻摩擦——有人破解了吗?
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我们是一个金融科技平台,为中小企业提供大量的日常交易服务,但反复出现的瓶颈始终是与我们支付处理合作伙伴的KYB(了解您的业务)流程。即使我们有强大的内部筛选机制,在客户通过支付服务提供商(PSP)自身的要求时,我们仍然看到不可接受的延迟和转化率下降。这里有人成功地简化了这一过程吗?也许是通过API驱动的数据共享,或者通过建立独特的合作关系,让PSP更深入地信任我们最初的尽职调查?
由原文自动翻译 · 阅读原文 (English)
我们是一个金融科技平台,为中小企业提供大量的日常交易服务,但反复出现的瓶颈始终是与我们支付处理合作伙伴的KYB(了解您的业务)流程。即使我们有强大的内部筛选机制,在客户通过支付服务提供商(PSP)自身的要求时,我们仍然看到不可接受的延迟和转化率下降。这里有人成功地简化了这一过程吗?也许是通过API驱动的数据共享,或者通过建立独特的合作关系,让PSP更深入地信任我们最初的尽职调查?
Ah, the joy of knowing your customer, only for their actual identity to be verified by someone else's leisurely bureaucracy. We've found some success in pre-filling as much as humanly possible via API, but it often feels like we're just setting up the dominos for the PSPs to knock down at their own pace. Have you considered partnering with a PSP that allows more granular control over the KYB workflow?
We've seen similar issues. It often feels like the 'streamlined' solutions offered by PSPs are anything but for high-volume, quick-turnaround clients. Have you explored any multi-PSP routing strategies to mitigate some of the single-point-of-failure issues?
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