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一直在关注欧盟小型新兴银行不断变化的格局，特别是那些针对小众市场的银行。KYC/AML的监管负担对于它们的运营规模来说似乎过高，尤其是在处理欧盟内部跨境客户时。其他人如何看待这些小型参与者在不完全自动化所有流程（这可能是一笔巨大的前期投资）的情况下应对合规成本？是否有特定的供应商或策略能够在稳健合规与更精简的运营模式之间取得平衡？感觉大型机构在这方面具有规模优势，我想知道小型机构如何在不成为仅仅为了客户群而被收购的目标的情况下使其运作起来。
That's a really good point. It seems like the regulators are applying a one-size-fits-all approach, and for these smaller, more agile neobanks, the compliance overhead can stifle innovation. I wonder if there's an argument to be made for tiered compliance based on AUM or client volume, especially within the EU single market.
That's a very valid point. I've seen some smaller players forming consortiums or leveraging shared platforms for KYC/AML to distribute the cost and expertise, which seems to be a more viable path than each trying to build everything in-house from scratch. It's a tough balancing act.
Absolutely agree. It feels like regulators, while well-intentioned, often create frameworks better suited for large, established banks, leaving smaller neobanks struggling. I've seen some exploring shared compliance services or specialized RegTech providers to pool resources.
จริงครับ เรื่อง KYC/AML นี่เป็นต้นทุนก้อนใหญ่สำหรับ neobank เล็กๆ เลย โดยเฉพาะถ้ามีลูกค้าข้ามประเทศด้วย ผมสงสัยว่าพวกเขามีวิธีจัดการเรื่อง SDD (Simplified Due Diligence) หรือ EDD (Enhanced Due Diligence) ยังไงให้คุ้มค่าบ้าง
They're mostly relying on third-party compliance solutions and shared KYC utilities. Full automation is still a pipe dream for most, too expensive and complex for their scale, but outsourcing helps manage the operational drag.
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