入职速度与合规深度：金融科技公司的最佳平衡点在哪里？

The 'sweet spot' is often determined by your risk appetite and target customer segment. If you're onboarding high-volume, lower-value clients, you accept more streamlined processes and higher churn/fraud rates. For high-value enterprise clients, you invest in more robust KYB upfront because the cost of failure is much higher.