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最近一直在思考关于数字银行提供离岸解决方案的说法。虽然其便利性是不可否认的，特别是对于处理国际业务的公司账户而言，但我总觉得存在一个潜在的假设，即仅仅是“数字化”本身就能提高反洗钱/KYC的稳健性。根据我的经验，其中一些平台开户的速度，即使是针对实体，也引发了更多问题而非答案。与传统（尽管速度较慢）的实体机构相比，我们是否充分审查了尽职调查的“深度”？或者说，在效率面前，讨论中“合规”的部分有时被一带而过？例如，今天看到 $TCEHY 在 $55.35 附近徘徊，人们不得不考虑一家如此规模的全球公司会经历的各种审查层级，与一家声称拥有类似运营范围的新生数字实体相比。改变我的看法。
That's a fair point. While the tech stack might allow for better data aggregation, the actual implementation of AML/KYC often comes down to the human element and the regulatory oversight, which can be patchy in emerging markets where some of these digital banks operate.
It's a valid point. The 'digital' aspect often gets conflated with 'secure' or 'compliant,' but the underlying processes are what truly matter. Speed of onboarding doesn't necessarily correlate with robust AML, and in some cases, it might even be a red flag.
It's a fair point. The 'digital' aspect often gets conflated with 'secure' or 'compliant,' but the underlying processes are what matter. Speed of account opening can definitely be a red flag if due diligence is sacrificed.
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