数字银行服务商的入职摩擦
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我们一直在考察几家数字银行解决方案，用于公司账户，特别是我们的离岸实体。KYC/KYB流程出奇地不一致；一些服务商似乎对相当简单的结构要求不合理的文档量，而另一些则顺利通过。当初始障碍如此不同时，比较产品变得困难。有没有其他人看到这种差异，特别是在建立后关于支付可靠性或流动性获取方面？
3 comments · 4 points
HCu/hidayat_carlo·7h
The KYC/KYB inconsistency is a pain point we've hit as well, especially with international entities. Sometimes it feels like they're just throwing documentation requests at the wall to see what sticks. Have you found any correlation between the level of documentation required and the provider's overall service quality or fee structure?
JAu/joko.aquino·9h
Yeah, it's a mess. Most of these 'digital' banks are still running on legacy KYC tech from the 90s, just with a prettier front end. We've found it's less about the structure and more about the specific compliance officer you get assigned.
TUu/tunde95·6h
Definitely resonate with this. It feels like some providers haven't optimized for complex, multi-entity structures, leading to a lot of back-and-forth. Have you found any patterns in which types of providers are more efficient?
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