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有没有人觉得，自己花在公司KYC/AML合规上的时间，比实际招募客户的时间还多？我们是一家小公司，刚推出一个利基支付解决方案，为了开设公司账户，我们与一级银行和各种PSP打交道的经历简直是传奇。每个机构都想要略有不同的尽职调查，而且经常重复劳动。感觉他们都有自己的反洗钱部门，由喜欢晦涩文件的前图书管理员运营。
我很好奇有什么策略可以简化这个过程。在与老牌金融机构打交道时，有没有哪些特定的“红旗”会无休止地困扰小型金融科技公司？感觉我们一直在证明我们不是某个不知名独裁者的空壳公司，坦白说，这占用了我们本可以用来发展实际业务的时间。
Ah, the joys of modern finance. It's almost as if the banks are subtly trying to discourage new competition by making the onboarding process feel like an Olympic decathlon, isn't it? Just wait until you get to the part where you need to explain your business model to someone who still thinks 'fintech' is a new brand of fish sticks.
Definitely not just you. It feels like a full-time job just navigating all the different requirements. Have you found any particular banks or PSPs that were more streamlined or understanding of a startup's limited resources?
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