{"id":49344,"date":"2026-03-24T08:15:23","date_gmt":"2026-03-24T07:15:23","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49344"},"modified":"2026-04-24T12:04:31","modified_gmt":"2026-04-24T10:04:31","slug":"%e7%bd%91%e4%b8%8a%e9%93%b6%e8%a1%8c%e5%ae%a2%e6%88%b7%e5%bc%80%e6%88%b7%ef%bc%9a%e5%8f%97%e7%9b%91%e7%ae%a1%e6%9c%ba%e6%9e%842026%e5%b9%b4%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/customer-onboarding-in-online-banking-a-2026-guide-for-regulated-institutions\/","title":{"rendered":"\u5728\u7ebf\u94f6\u884c\u5ba2\u6237\u5165\u804c\uff1a2026\u5e74\u76d1\u7ba1\u673a\u6784\u6307\u5357"},"content":{"rendered":"<h2 class=\"wp-block-heading\" id=\"h-introduction-why-online-banking-onboarding-matters-now\"><span class=\"ez-toc-section\" id=\"Introduction_Why_Online_Banking_Onboarding_Matters_Now\"><\/span>\u5f15\u8a00\uff1a\u4e3a\u4ec0\u4e48\u7ebf\u4e0a\u94f6\u884c\u5f00\u6237\u73b0\u5728\u5982\u6b64\u91cd\u8981<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u52302026\u5e74\u521d\uff0c\u6b27\u6d32\u901a\u8fc7\u7ebf\u4e0a\u6e20\u9053\u5efa\u7acb\u7684\u65b0\u96f6\u552e\u94f6\u884c\u4e1a\u52a1\u5173\u7cfb\u5c06\u8d85\u8fc780%\u3002\u8fd9\u4e00\u8f6c\u53d8\u4f7f\u7f51\u4e0a\u94f6\u884c\u7684\u5ba2\u6237\u5f00\u6237\u6d41\u7a0b\u4ece\u540e\u53f0\u64cd\u4f5c\u8f6c\u53d8\u4e3a\u5173\u952e\u7684\u201c\u6210\u8d25\u65f6\u523b\u201d\u2014\u2014\u94f6\u884c\u8981\u4e48\u501f\u6b64\u8d62\u5f97\u5ba2\u6237\u5fe0\u8bda\u5ea6\uff0c\u8981\u4e48\u5c06\u6f5c\u5728\u5ba2\u6237\u62f1\u624b\u8ba9\u7ed9\u7ade\u4e89\u5bf9\u624b\u3002\u8fd9\u5173\u7cfb\u91cd\u5927\uff1a\u5982\u679c\u5904\u7406\u4e0d\u5f53\uff0c <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bc%98%e5%8c%96%e4%bc%81%e4%b8%9a%e9%93%b6%e8%a1%8c%e6%95%b0%e5%ad%97%e5%8c%96%e5%85%a5%e8%81%8c%e6%9c%80%e4%bd%b3%e5%ae%9e%e8%b7%b5%e5%92%8c%e5%85%b3%e9%94%ae%e6%88%98%e7%95%a5\/\" target=\"_self\">\u6570\u5b57\u5165\u804c<\/a> \u5728\u67d0\u4e9b\u673a\u6784\u4e2d\uff0c\u4f53\u9a8c\u5bfc\u81f4\u4e8630%\u81f360%\u7684\u6d41\u5931\u7387\uff0c\u76f4\u63a5\u963b\u788d\u4e86\u5b58\u6b3e\u589e\u957f\u548c\u8d37\u6b3e\u4e1a\u52a1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u5bfb\u6c42\u5b8c\u5168\u63a7\u5236\u5ba2\u6237\u6570\u636e\u7684\u53d7\u76d1\u7ba1\u673a\u6784\u800c\u8a00\uff0c\u9009\u62e9\u4ec0\u4e48\u6837\u7684\u5ba2\u6237\u5165\u9a7b\uff08onboarding\uff09\u5e73\u53f0\u81f3\u5173\u91cd\u8981\u3002\u4f5c\u4e3a\u4e00\u5bb6\u745e\u58eb\u7684InvestGlass <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%b8%bb%e6%9d%83%e7%9a%84%e5%90%ab%e4%b9%89\/\" target=\"_self\">\u4e3b\u6743<\/a> CRM\u548c\u5165\u804c\u5e73\u53f0\uff0c\u4e13\u4e3a\u9700\u8981\u6570\u636e\u4e3b\u6743\u800c\u975e\u4f9d\u8d56\u7f8e\u56fd\u6216\u4e2d\u56fd\u4f9b\u5e94\u5546\u7684\u94f6\u884c\u548c\u8d22\u5bcc\u7ba1\u7406\u673a\u6784\u91cf\u8eab\u5b9a\u5236\u3002\u672c\u6587\u6db5\u76d6\u4e86\u7f51\u4e0a\u94f6\u884c\u4ece\u9996\u6b21\u70b9\u51fb\u5230\u9996\u7b14\u4ea4\u6613\u7684\u7aef\u5230\u7aef\u5ba2\u6237\u5165\u804c\u6d41\u7a0b\uff0c\u6d89\u53ca\u96f6\u552e\u94f6\u884c\u4e1a\u52a1\u3001\u8d22\u5bcc\u7ba1\u7406\u548c\u4f01\u4e1a\u4e1a\u52a1\u7b49\u5e94\u7528\u573a\u666f\u3002.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u7531\u4e8e\u5f00\u6237\u6d41\u7a0b\u590d\u6742\uff0c\u94f6\u884c\u56e0\u6b64\u6d41\u5931\u4e86\u591a\u8fbe60%\u7684\u6f5c\u5728\u5ba2\u6237\uff0c\u800c\u6bcf\u4e00\u6b21\u6d41\u5931\u90fd\u4f1a\u63a8\u9ad8\u5ba2\u6237\u83b7\u53d6\u6210\u672c\u2014\u2014\u800c\u8be5\u6210\u672c\u539f\u672c\u5c31\u5df2\u7ecf\u6bd4\u5ba2\u6237\u7559\u5b58\u6210\u672c\u9ad8\u51fa\u4e94\u500d\u3002.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u63a2\u8ba8\u6570\u5b57\u5316\u5f00\u6237\u6d41\u7a0b\u65f6\uff0c\u9996\u5148\u5fc5\u987b\u4e86\u89e3\u5728\u7ebf\u94f6\u884c\u4e1a\u52a1\u4e2d\u7684\u5ba2\u6237\u5f00\u6237\u5305\u542b\u54ea\u4e9b\u5185\u5bb9\u3002\u5728\u660e\u786e\u8be5\u6d41\u7a0b\u540e\uff0c\u6211\u4eec\u5c06\u786e\u7acb\u652f\u6491\u9ad8\u6548\u5f00\u6237\u7684\u6838\u5fc3\u539f\u5219\uff0c\u7136\u540e\u5ba1\u89c6\u4f20\u7edf\u65b9\u6cd5\u7684\u5f0a\u7aef\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-customer-onboarding-in-online-banking\"><span class=\"ez-toc-section\" id=\"What_Is_Customer_Onboarding_in_Online_Banking\"><\/span>\u4ec0\u4e48\u662f\u7f51\u4e0a\u94f6\u884c\u7684\u5ba2\u6237\u5f15\u5bfc\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u5b57\u5ba2\u6237\u5165\u9a7b\u6d41\u7a0b\u4ee3\u8868\u4e86\u4ece\u7528\u6237\u9996\u6b21\u4e0e\u94f6\u884c\u7f51\u7ad9\u6216\u624b\u673a\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u4e92\u52a8\uff0c\u5230\u6210\u4e3a\u5b8c\u5168\u901a\u8fc7\u9a8c\u8bc1\u3001\u80fd\u591f\u6267\u884c\u4ea4\u6613\u7684\u6d3b\u8dc3\u5ba2\u6237\u7684\u5b8c\u6574\u65c5\u7a0b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8be5\u5ba2\u6237\u5f15\u5bfc\u6d41\u7a0b\u5305\u542b\u51e0\u4e2a\u5173\u952e\u7ec4\u6210\u90e8\u5206\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u8fc7\u6570\u5b57\u8868\u5355\u6536\u96c6\u4e2a\u4eba\u8be6\u7ec6\u4fe1\u606f<\/li>\n\n\n\n<li>\u7535\u5b50\u7684 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e8%ba%ab%e4%bb%bd%e9%aa%8c%e8%af%81%ef%bc%9f\/\" target=\"_self\">\u8eab\u4efd\u9a8c\u8bc1<\/a> 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class=\"wp-block-paragraph\">\u96f6\u552e\u5ba2\u6237\u5165\u9a7b\u901a\u5e38\u4f1a\u901a\u8fc7\u57fa\u7840\u5ba1\u6838\u6765\u7b80\u5316\u6d41\u7a0b\u3002\u79c1\u4eba\u94f6\u884c\u5219\u4e3a\u9ad8\u51c0\u503c\u4eba\u7fa4\u589e\u52a0\u8d22\u5bcc\u9002\u5b9c\u6027\u8bc4\u4f30\u3002\u4f01\u4e1a\u4e1a\u52a1\u6d41\u7a0b\u9700\u8981\u8bc6\u522b\u6700\u7ec8\u53d7\u76ca\u6240\u6709\u4eba\uff08UBO\uff0cUBO\u662f\u6307\u6700\u7ec8\u62e5\u6709\u6216\u63a7\u5236\u516c\u53f8\u7684\u4e2a\u4eba\uff09\uff0c\u901a\u8fc7\u5546\u4e1a\u767b\u8bb0\u5904\u89e3\u6790\u590d\u6742\u7684\u80a1\u6743\u7ed3\u6784\uff0c\u4ee5\u53ca\u53ef\u80fd\u5927\u5e45\u5ef6\u957f\u5468\u671f\u7684\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u3002\u52302026\u5e74\uff0c\u6b27\u6d32\u7684\u94f6\u884c\u5fc5\u987b\u6ee1\u8db3PSD2\/PSD3\uff08\u652f\u4ed8\u670d\u52a1\u6307\u4ee4\u7b2c2\u7248\u548c\u7b2c3\u7248\uff0c\u8fd9\u662f\u6b27\u76df\u5173\u4e8e\u89c4\u8303\u6574\u4e2a\u6b27\u76df\u548c\u6b27\u6d32\u7ecf\u6d4e\u533a\u652f\u4ed8\u670d\u52a1\u53ca\u652f\u4ed8\u670d\u52a1\u63d0\u4f9b\u5546\u7684\u6b27\u76df\u6307\u4ee4\uff09\u7684\u8981\u6c42\u4ee5\u53ca <a href=\"https:\/\/www.fatf-gafi.org\/en\/home.html\" target=\"_blank\" rel=\"noreferrer noopener\">\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4<\/a> \uff08\u91d1\u878d\u884c\u52a8\u7279\u522b\u5de5\u4f5c\u7ec4\uff0c\u4e00\u4e2a\u5236\u5b9a\u6253\u51fb\u6d17\u94b1\u548c\u6050\u6016\u4e3b\u4e49\u878d\u8d44\u653f\u7b56\u7684\u653f\u5e9c\u95f4\u7ec4\u7ec7\uff09\u6307\u5bfc\u65b9\u9488\uff0c\u540c\u65f6\u4e3a\u4f4e\u98ce\u9669\u96f6\u552e\u5ba2\u6237\u5728\u4e09\u5206\u949f\u6216\u66f4\u77ed\u65f6\u95f4\u5185\u5b8c\u6210\u5f00\u6237\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6e05\u6670\u7406\u89e3\u4e86\u6570\u5b57\u5165\u9a7b\uff08\u6570\u5b57\u5f00\u6237\/\u6570\u5b57\u5316\u5ba2\u6237\u5f15\u5bfc\uff09\u6240\u5305\u542b\u7684\u5185\u5bb9\u4e4b\u540e\uff0c\u8ba9\u6211\u4eec\u6765\u63a2\u8ba8\u652f\u6491\u7f51\u4e0a\u94f6\u884c\u6709\u6548\u5ba2\u6237\u5f15\u5bfc\u7684\u6838\u5fc3\u539f\u5219\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-principles-of-effective-digital-customer-onboarding-in-banking\"><span class=\"ez-toc-section\" id=\"Principles_of_Effective_Digital_Customer_Onboarding_in_Banking\"><\/span>\u94f6\u884c\u9ad8\u6548\u6570\u5b57\u5316\u5ba2\u6237\u5f15\u5bfc\u7684\u539f\u5219<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ad8\u6548\u7684\u5ba2\u6237\u5f15\u5bfc\u5efa\u7acb\u5728\u4e00\u5957\u6307\u5bfc\u6210\u529f\u5b9e\u65bd\u7684\u6838\u5fc3\u539f\u5219\u6846\u67b6\u4e4b\u4e0a\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u65e0\u6469\u64e6\u7684\u7528\u6237\u4f53\u9a8c<\/strong>\u79fb\u52a8\u4f18\u5148\u7684\u8bbe\u8ba1\uff0c\u642d\u914d\u8fdb\u5ea6\u6761\u548c\u901a\u4fd7\u6613\u61c2\u7684\u89e3\u91ca\uff0c\u6700\u5927\u9650\u5ea6\u5730\u51cf\u5c11\u6574\u4e2a\u5ba2\u6237\u65c5\u7a0b\u4e2d\u7684\u963b\u529b<\/li>\n\n\n\n<li><strong>\u57fa\u4e8e\u98ce\u9669\u7684\u81ea\u52a8\u5316KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09<\/strong>\u53ef\u6269\u5c55\u7684\u9a8c\u8bc1\uff1a\u6839\u636e\u5ba2\u6237\u7fa4\u4f53\u548c\u98ce\u9669\u7279\u5f81\u8c03\u6574\u68c0\u67e5\u5185\u5bb9<\/li>\n\n\n\n<li><strong>\u5b9e\u65f6\u96c6\u6210<\/strong>API\u8fde\u63a5\uff0c\u5b9e\u73b0\u7cfb\u7edf\u4e4b\u95f4\u7684\u6570\u636e\u65e0\u7f1d\u6d41\u52a8\uff0c\u4ece\u800c\u652f\u6301\u76f4\u901a\u5f0f\u5904\u7406<\/li>\n\n\n\n<li><strong>\u8bbe\u8ba1\u5b89\u5168<\/strong>\u751f\u7269\u8bc6\u522b\u3001\u52a0\u5bc6\u548c\u591a\u56e0\u7d20\u8ba4\u8bc1\u6df1\u5ea6\u5d4c\u5165\uff0c\u4e14\u4e0d\u5f71\u54cd\u7528\u6237\u4f53\u9a8c<\/li>\n\n\n\n<li><strong>\u6570\u636e\u4e3b\u6743<\/strong>\u6ee1\u8db3\u53d7\u76d1\u7ba1\u673a\u6784\u5408\u89c4\u8981\u6c42\u7684\u7279\u5b9a\u53f8\u6cd5\u7ba1\u8f96\u533a\u6258\u7ba1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u6b27\u6d32\u548c\u745e\u58eb\u7684\u94f6\u884c\u800c\u8a00\uff0c\u4e3b\u6743\u5982\u4eca\u5df2\u6210\u4e3a\u4e0e\u7528\u6237\u4f53\u9a8c\uff08UX\uff09\u548c\u5408\u89c4\u6027\u540c\u7b49\u91cd\u8981\u7684\u539f\u5219\u3002\u5730\u7f18\u653f\u6cbb\u62c5\u5fe7\u548c\u76d1\u7ba1\u8981\u6c42\u9700\u8981\u5bf9\u5916\u56fd\u4e91\u670d\u52a1\u5546\u65e0\u6cd5\u4fdd\u8bc1\u7684\u5ba2\u6237\u6570\u636e\u62e5\u6709\u63a7\u5236\u6743\u3002InvestGlass \u5c06\u8fd9\u4e9b\u539f\u5219\u7edf\u4e00\u5728\u4e00\u4e2a\u6db5\u76d6 CRM\u3001\u5165\u9a7b\u6d41\u7a0b\u548c\u5ba2\u6237\u95e8\u6237\u4f53\u9a8c\u7684\u5355\u4e00\u5e73\u53f0\u4e2d\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u786e\u7acb\u4e86\u8fd9\u4e9b\u6307\u5bfc\u539f\u5219\u4e4b\u540e\uff0c\u4e86\u89e3\u4f20\u7edf\u5165\u804c\u57f9\u8bad\u7684\u9677\u9631\u4ee5\u53ca\u4e3a\u4ec0\u4e48\u9700\u8981\u4e00\u79cd\u65b0\u65b9\u6cd5\u81f3\u5173\u91cd\u8981\u3002\u4e0b\u4e00\u8282\u5c06\u63a2\u8ba8\u4e3a\u4ec0\u4e48\u9648\u65e7\u7684\u5165\u804c\u65b9\u6cd5\u57282026\u5e74\u5df2\u4e0d\u518d\u9002\u7528\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-traditional-bank-onboarding-fails-in-2026\"><span class=\"ez-toc-section\" id=\"Why_Traditional_Bank_Onboarding_Fails_in_2026\"><\/span>\u4e3a\u4ec0\u4e48\u4f20\u7edf\u94f6\u884c\u5f00\u6237\u57282026\u5e74\u5931\u6548<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8bb8\u591a\u94f6\u884c\uff0c\u4f7f\u7528\u7eb8\u8d28\u8868\u683c\u548c\u4eba\u5de5\u6d41\u7a0b\u7684\u4f20\u7edf\u5165\u804c\u6d41\u7a0b\u4ecd\u7136\u9700\u89813\u523030\u5929\uff0c\u800c\u9886\u5148\u7684\u6570\u5b57\u94f6\u884c\u5219\u4e0d\u523010\u5206\u949f\u3002\u8fd9\u79cd\u5dee\u8ddd\u9020\u6210\u4e86\u5de8\u5927\u7684\u7ade\u4e89\u52a3\u52bf\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e38\u89c1\u75db\u70b9\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5728\u591a\u4e2a\u8868\u5355\u4e2d\u91cd\u590d\u8fdb\u884c\u624b\u52a8\u6570\u636e\u8f93\u5165<\/li>\n\n\n\n<li>\u9700\u8981\u5f53\u9762\u7b7e\u7f72\u7684\u7269\u7406\u7b7e\u540d<\/li>\n\n\n\n<li>\u72ec\u7acb\u7684\u6587\u4ef6\u4e0a\u4f20\u6e20\u9053\uff0c\u65e0\u96c6\u6210<\/li>\n\n\n\n<li>\u5ba2\u6237\u5bf9\u5e94\u7528\u7a0b\u5e8f\u72b6\u6001\u5b8c\u5168\u4e0d\u53ef\u89c1<\/li>\n\n\n\n<li>\u5408\u89c4\u56e2\u961f\u4e0e\u2026\u2026\u5b64\u7acb\u5de5\u4f5c <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e6%9c%89%e6%95%88%e5%85%b3%e7%b3%bb%e7%ae%a1%e7%90%86%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%8a%a1%e7%9a%84%e9%a1%b6%e7%ba%a7%e7%ad%96%e7%95%a5\/\" target=\"_self\">\u5173\u7cfb\u7ecf\u7406<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u90e8\u5206\u6b27\u6d32\u94f6\u884c\u9488\u5bf9\u590d\u6742\u4f01\u4e1a\u5ba2\u6237\u7684\u5165\u9a7b\u5468\u671f\u4ecd\u957f\u8fbe60\u81f3120\u5929\uff0c\u8fd9\u4e0d\u4ec5\u5ef6\u8fdf\u4e86\u6536\u5165\u786e\u8ba4\uff0c\u8fd8\u52a0\u5267\u4e86\u5408\u89c4\u98ce\u9669\u3002\u9648\u65e7\u7684\u6838\u5fc3\u7cfb\u7edf\u3001\u788e\u7247\u5316\u7684CRM\u5de5\u5177\u4ee5\u53ca\u5404\u81ea\u4e3a\u6218\u7684\u5408\u89c4\u56e2\u961f\uff0c\u4f7f\u8fd9\u4e9b\u673a\u6784\u65e0\u6cd5\u63d0\u4f9b\u65e0\u7f1d\u7684\u6570\u5b57\u5165\u9a7b\u4f53\u9a8c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u5916\u56fd\u4e91\u5e73\u53f0\u7684\u4f9d\u8d56\u5e26\u6765\u4e86\u989d\u5916\u7684\u969c\u788d\u3002\u51fa\u4e8e\u4e3b\u6743\u539f\u56e0\uff0c\u5fc5\u987b\u5c06\u5ba2\u6237\u6570\u636e\u4fdd\u7559\u5728\u745e\u58eb\u6216\u6b27\u76df\u5883\u5185\u7684\u673a\u6784\u65e0\u6cd5\u8f7b\u6613\u91c7\u7528\u7531\u7f8e\u56fd\u6216\u4e2d\u56fd\u8d85\u5927\u89c4\u6a21\u4e91\u670d\u52a1\u5546\u6258\u7ba1\u7684\u89e3\u51b3\u65b9\u6848\u3002\u81ea2022\u5e74\u4ee5\u6765\uff0c\u8fd9\u79cd\u76d1\u7ba1\u6d41\u7a0b\u4e0a\u7684\u9650\u5236\u5df2\u6210\u4e3a\u8463\u4e8b\u4f1a\u7ea7\u522b\u5173\u6ce8\u7684\u95ee\u9898\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/98dd0d03-a090-4ef3-b9a4-c31cafd84bd2.png\" alt=\"\u73b0\u4ee3\u667a\u80fd\u624b\u673a\u663e\u793a\u7740\u94f6\u884c\u5e94\u7528\u7a0b\u5e8f\u754c\u9762\uff0c\u5c55\u793a\u4e86\u5177\u6709\u751f\u7269\u7279\u5f81\u8ba4\u8bc1\u548c\u5f00\u6237\u9009\u9879\u7b49\u529f\u80fd\u7684\u6570\u5b57\u5ba2\u6237\u5165\u9a7b\u6d41\u7a0b\u3002\u8fd9\u5f20\u56fe\u7247\u7a81\u663e\u4e86\u5411\u6570\u5b57\u94f6\u884c\u7684\u8f6c\u53d8\uff0c\u63d0\u5347\u4e86\u5ba2\u6237\u4f53\u9a8c\u548c\u6ee1\u610f\u5ea6\uff0c\u540c\u65f6\u7b80\u5316\u4e86\u65b0\u5ba2\u6237\u7684\u5165\u9a7b\u6d41\u7a0b\u3002.\"><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u5e94\u5bf9\u8fd9\u4e9b\u6311\u6218\uff0c\u94f6\u884c\u5fc5\u987b\u91c7\u7528\u4e0a\u4e00\u8282\u6240\u8ff0\u7684\u4e00\u5957\u5168\u65b0\u7684\u6570\u5b57\u5f00\u6237\u539f\u5219\uff0c\u5e76\u901a\u8fc7\u73b0\u4ee3\u5316\u3001\u4ee5\u5ba2\u6237\u4e3a\u4e2d\u5fc3\u7684\u5f00\u6237\u6d41\u7a0b\u5c06\u5176\u4ed8\u8bf8\u5b9e\u8df5\u3002\u4e0b\u4e00\u8282\u8be6\u7ec6\u4ecb\u7ecd\u4e86\u5982\u4f55\u8bbe\u8ba1\u7b26\u5408\u8fd9\u4e9b\u65b0\u6807\u51c6\u7684\u9ad8\u6548\u65e0\u7f1d\u7684\u5f00\u6237\u6d41\u7a0b\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-designing-a-frictionless-online-banking-onboarding-journey\"><span class=\"ez-toc-section\" id=\"Designing_a_Frictionless_Online_Banking_Onboarding_Journey\"><\/span>\u8bbe\u8ba1\u987a\u7545\u65e0\u963b\u7684\u7f51\u4e0a\u94f6\u884c\u5f00\u6237\u4f53\u9a8c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u73b0\u4ee3\u7684 2026 \u5e74\u5165\u9a7b\u6d41\u7a0b\u4ece\u4e00\u4e2a\u4e3b\u9875\u53f7\u53ec\u6027\u7528\u8bed\u5f00\u59cb\uff0c\u8be5\u7528\u8bed\u627f\u8bfa\u201c3\u5206\u949f\u5f00\u6237\u201d\u3002\u7528\u6237\u65c5\u7a0b\u901a\u8fc7\u4ea7\u54c1\u9009\u62e9\u3001\u901a\u8fc7\u81ea\u62cd\u751f\u7269\u8bc6\u522b\u6216 NFC \u62a4\u7167\u8bfb\u53d6\u8fdb\u884c\u8eab\u4efd\u6355\u83b7\u3001\u96c6\u6210\u76f8\u673a\u7684\u6587\u6863\u4e0a\u4f20\uff0c\u4ee5\u53ca\u5177\u6709\u5373\u65f6\u72b6\u6001\u548c\u4e0b\u4e00\u6b65\u64cd\u4f5c\u7684\u786e\u8ba4\u5c4f\u5e55\u6765\u63a8\u8fdb\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-frictionless-ux-and-accessibility\"><span class=\"ez-toc-section\" id=\"Frictionless_UX_and_Accessibility\"><\/span>\u96f6\u6469\u64e6\u7528\u6237\u4f53\u9a8c\u4e0e\u65e0\u969c\u788d\u6027<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u79fb\u52a8\u4f18\u5148\u7684\u8bbe\u8ba1\u5b9e\u8df5\u81f3\u5173\u91cd\u8981\uff1a\u9002\u5e94\u4efb\u4f55\u8bbe\u5907\u7684\u54cd\u5e94\u5f0f\u5e03\u5c40\u3001\u514d\u9664\u624b\u52a8\u8f93\u5165\u57fa\u4e8e\u76f8\u673a\u7684\u8eab\u4efd\u8bc1\u4ef6\u6355\u83b7\u3001\u4f7f\u7528\u5b98\u65b9\u6570\u636e\u6e90\u81ea\u52a8\u586b\u5145\u5730\u5740\u8be6\u7ec6\u4fe1\u606f\uff0c\u4ee5\u53ca\u4e3a\u9700\u8981\u6682\u505c\u7684\u5ba2\u6237\u63d0\u4f9b\u5e26\u5b89\u5168\u4ee4\u724c\u7684\u4fdd\u5b58\u5e76\u7ee7\u7eed\u529f\u80fd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u51cf\u5c11\u6d41\u5931\u7387\u7684\u7528\u6237\u4f53\u9a8c\u6a21\u5f0f\u5305\u62ec\u663e\u793a\u5b8c\u6210\u767e\u5206\u6bd4\u7684\u8fdb\u5ea6\u6761\u3001\u7528\u901a\u4fd7\u6613\u61c2\u7684\u8bed\u8a00\u89e3\u91ca\u4e3a\u4ec0\u4e48\u9700\u8981\u6bcf\u9879\u5ba2\u6237\u4fe1\u606f\uff0c\u4ee5\u53ca\u901a\u8fc7\u804a\u5929\u6216\u5b89\u5168\u6d88\u606f\u63d0\u4f9b\u6d41\u7a0b\u5185\u5e2e\u52a9\u3002InvestGlass \u5ba2\u6237\u95e8\u6237\u548c\u8868\u5355\u53ef\u4ee5\u8fdb\u884c\u767d\u6807\u5b9a\u5236\uff0c\u4ee5\u5339\u914d\u94f6\u884c\u7684\u54c1\u724c\u5f62\u8c61\uff0c\u540c\u65f6\u8fde\u63a5\u5230\u76f8\u540c\u7684\u81ea\u4e3b\u540e\u7aef\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u65e8\u5728\u5e2e\u52a9\u94f6\u884c\u7559\u4f4f\u5ba2\u6237\u7684\u5177\u4f53\u7528\u6237\u4f53\u9a8c\uff08UX\uff09\u6539\u8fdb\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5177\u6709\u52a8\u6001\u5b57\u6bb5\u53ef\u89c1\u6027\u7684\u7b80\u5355\u4ea7\u54c1\u5355\u9875\u8868\u5355<\/li>\n\n\n\n<li>\u5b9e\u65f6\u9a8c\u8bc1\u53ef\u9632\u6b62\u63d0\u4ea4\u8868\u5355\u65f6\u51fa\u9519<\/li>\n\n\n\n<li>\u4e3a\u8001\u5e74\u4eba\u6216\u4e0d\u592a\u61c2\u6280\u672f\u7684\u6f5c\u5728\u5ba2\u6237\u63d0\u4f9b\u9ad8\u5bf9\u6bd4\u5ea6\u4e3b\u9898\u548c\u6e05\u6670\u7684\u6392\u7248<\/li>\n\n\n\n<li>\u7b26\u5408\u65e0\u969c\u788d\u6807\u51c6\u7684\u5c4f\u5e55\u9605\u8bfb\u5668\u517c\u5bb9\u6027<\/li>\n\n\n\n<li>\u652f\u6301\u6b27\u6d32\u5e02\u573a\u7684\u591a\u8bed\u8a00\u529f\u80fd\uff0c\u5305\u62ec\u82f1\u8bed\u3001\u6cd5\u8bed\u3001\u5fb7\u8bed\u548c\u610f\u5927\u5229\u8bed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ef\u8861\u91cf\u7684\u7528\u6237\u4f53\u9a8c\uff08UX\uff09\u76ee\u6807\u5e94\u5f53\u65e8\u5728\u5c06\u5e73\u5747\u65b0\u624b\u5f15\u5bfc\u5b8c\u6210\u65f6\u95f4\u7f29\u77ed40%\uff0c\u5e76\u5c06\u79fb\u52a8\u7aef\u6d41\u5931\u7387\u964d\u81f320%\u4ee5\u4e0b\u3002\u8fd9\u4e9b\u6539\u8fdb\u5c06\u76f4\u63a5\u5f71\u54cd\u5ba2\u6237\u6ee1\u610f\u5ea6\u548c\u5ba2\u6237\u751f\u547d\u5468\u671f\u4ef7\u503c\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-modular-and-adaptive-onboarding-flows\"><span class=\"ez-toc-section\" id=\"Modular_and_Adaptive_Onboarding_Flows\"><\/span>\u6a21\u5757\u5316\u548c\u81ea\u9002\u5e94\u5f15\u5bfc\u6d41\u7a0b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6a21\u5757\u5316\u5165\u9a7b\u903b\u8f91\u53ef\u6839\u636e\u6bcf\u4f4d\u7533\u8bf7\u4eba\u8fdb\u884c\u8c03\u6574\u3002\u4f4e\u98ce\u9669\u7684\u6b27\u76df\u5c45\u6c11\u7533\u8bf7\u57fa\u7840\u6d3b\u671f\u8d26\u6237\u65f6\uff0c\u53ea\u9700\u7ecf\u5386\u6781\u7b80\u7684\u6d41\u7a0b\uff1b\u800c\u975e\u5c45\u6c11\u7684\u9ad8\u51c0\u503c\u5ba2\u6237\u5219\u4f1a\u81ea\u52a8\u89e6\u53d1\u5305\u542b\u7279\u5b9a\u53f8\u6cd5\u7ba1\u8f96\u533a\u6587\u4ef6\u8981\u6c42\u7684\u589e\u5f3a\u578b\u5ba1\u67e5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u4e2d\u7684\u57fa\u4e8e\u89c4\u5219\u7684\u5f15\u64ce\u65e0\u9700\u4fee\u6539\u4ee3\u7801\uff0c\u5373\u53ef\u6839\u636e\u53f8\u6cd5\u7ba1\u8f96\u533a\u3001\u4ea7\u54c1\u548c\u98ce\u9669\u914d\u7f6e\u6587\u4ef6\u8c03\u6574\u95ee\u9898\u548c\u6240\u9700\u6587\u4ef6\u3002\u8fd9\u79cd\u6a21\u5757\u5316\u652f\u6301\u9891\u7e41\u7684\u76d1\u7ba1\u66f4\u65b0\uff0c\u4f7f\u94f6\u884c\u80fd\u591f\u5e94\u5bf9\u5c06\u4e8e 2025 \u5e74\u548c 2026 \u5e74\u751f\u6548\u7684\u65b0\u53cd\u6d17\u94b1 (AML) \u89c4\u5219\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6a21\u5757\u5316\u6d41\u7a0b\u53ef\u5728\u5404\u4e2a\u6570\u5b57\u6e20\u9053\u4e2d\u91cd\u590d\u4f7f\u7528\u3002\u65e0\u8bba\u662f\u5ba2\u6237\u5b8c\u5168\u8fdc\u7a0b\u5b8c\u6210\u5165\u804c\u8fd8\u662f\u83b7\u5f97\u7f51\u70b9\u534f\u52a9\uff0c\u76f8\u540c\u7684\u903b\u8f91\u90fd\u80fd\u53d1\u6325\u4f5c\u7528\uff0c\u5728\u6ee1\u8db3\u591a\u6837\u5316\u5ba2\u6237\u671f\u671b\u7684\u540c\u65f6\u786e\u4fdd\u5408\u89c4\u6027\u7684\u4e00\u81f4\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5efa\u7acb\u65e0\u6469\u64e6\u4e14\u5177\u9002\u5e94\u6027\u7684\u7528\u6237\u5f15\u5bfc\u6d41\u7a0b\uff0c\u4e0b\u4e00\u6b65\u662f\u81ea\u52a8\u5316\u5408\u89c4\u6d41\u7a0b\uff08\u5982KYC\u3001AML\u548c\u98ce\u9669\u8bc4\u4f30\uff09\uff0c\u4ee5\u786e\u4fdd\u6548\u7387\u548c\u5408\u89c4\u6027\u3002\u4ee5\u4e0b\u90e8\u5206\u5c06\u9610\u8ff0\u81ea\u52a8\u5316\u5982\u4f55\u652f\u6301\u5408\u89c4\u4e0e\u5ba2\u6237\u4f53\u9a8c\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-automating-kyc-aml-and-risk-assessment\"><span class=\"ez-toc-section\" id=\"Automating_KYC_AML_and_Risk_Assessment\"><\/span>\u81ea\u52a8\u5316 KYC\u3001AML \u548c\u98ce\u9669\u8bc4\u4f30<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea\u52a8\u5316\u6784\u6210\u4e86\u6210\u529f\u5ba2\u6237\u5165\u804c\u7684\u5408\u89c4\u57fa\u77f3\uff0c\u5bf9\u4e8e\u5728\u4e0d\u589e\u52a0\u8fd0\u8425\u6210\u672c\u7684\u60c5\u51b5\u4e0b\u6ee1\u8db3\u4e25\u683c\u7684 KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u548c AML\uff08\u53cd\u6d17\u94b1\uff09\u6807\u51c6\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-risk-based-approach-to-verification\"><span class=\"ez-toc-section\" id=\"Risk-Based_Approach_to_Verification\"><\/span>\u57fa\u4e8e\u98ce\u9669\u7684\u9a8c\u8bc1\u65b9\u6cd5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u5c06\u9a8c\u8bc1\u5206\u4e3a\u4e0d\u540c\u5c42\u7ea7\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u98ce\u9669\u7b49\u7ea7<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u5ba2\u6237\u7c7b\u578b<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u5c3d\u804c\u8c03\u67e5\u7ea7\u522b<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u4f4e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u56fd\u5185\u96f6\u552e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7b80\u5316\u68c0\u67e5<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6807\u51c6<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5178\u578b\u4e2d\u5c0f\u4f01\u4e1a\u8d26\u6237<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5c3d\u804c\u8c03\u67e5<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u9ad8<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8de8\u5883\uff0cPEP\uff08\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff09<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u52a0\u5f3a\u5c3d\u804c\u8c03\u67e5<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\uff1a<\/strong> \u6838\u5b9e\u5ba2\u6237\u8eab\u4efd\u5e76\u8bc4\u4f30\u5546\u4e1a\u5173\u7cfb\u4e2d\u6f5c\u5728\u975e\u6cd5\u610f\u56fe\u98ce\u9669\u7684\u76d1\u7ba1\u6d41\u7a0b\u3002.<\/li>\n\n\n\n<li><strong>AML\uff08\u53cd\u6d17\u94b1\uff09\uff1a<\/strong> \u65e8\u5728\u9632\u6b62\u72af\u7f6a\u5206\u5b50\u5c06\u975e\u6cd5\u83b7\u5f97\u7684\u8d44\u91d1\u4f2a\u88c5\u6210\u5408\u6cd5\u6536\u5165\u7684\u7a0b\u5e8f\u548c\u89c4\u7ae0\u3002.<\/li>\n\n\n\n<li><strong>PEP\uff08\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff09\uff1a<\/strong> \u88ab\u59d4\u4ee5\u6216\u8005\u66fe\u88ab\u59d4\u4ee5\u91cd\u8981\u516c\u5171\u804c\u80fd\uff0c\u56e0\u6b64\u53ef\u80fd\u5e26\u6765\u53c2\u4e0e\u53d7\u8d3f\u6216\u8150\u8d25\u4e4b\u8f83\u9ad8\u6f5c\u5728\u98ce\u9669\u7684\u4e2a\u4eba\u3002.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u5b57\u5316\u5ba2\u6237\u5165\u9a7b\u5728\u7533\u8bf7\u9636\u6bb5\u5c31\u6574\u5408\u4e86\u5236\u88c1\u7b5b\u67e5\u3001PEP\uff08\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff09\u68c0\u67e5\u548c\u8d1f\u9762\u65b0\u95fb\u68c0\u7d22\uff0c\u800c\u4e0d\u662f\u5728\u4eba\u5de5\u5ba1\u6838\u4e4b\u540e\u8fdb\u884c\u3002\u5982\u679cKYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u6d41\u7a0b\u7531\u4eba\u5de5\u5904\u7406\uff0c\u8bb8\u591a\u94f6\u884c\u7684\u5ba2\u6237\u653e\u5f03\u7387\u4ecd\u7136\u9ad8\u8fbe20%\u4ee5\u4e0a\u3002\u901a\u8fc7\u5728\u5ba2\u6237\u5b8c\u6210\u5176\u4ed6\u6b65\u9aa4\u65f6\u5728\u540e\u53f0\u8fd0\u884c\u68c0\u67e5\uff0c\u81ea\u52a8\u5316\u53ef\u4ee5\u5c06\u8fd9\u4e00\u6bd4\u4f8b\u51cf\u534a\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ece\u745e\u58eb\u7684\u89c6\u89d2\u6765\u770b\uff0c\u5de5\u4f5c\u6d41\u7a0b\u7b26\u5408\u745e\u58eb\u91d1\u878d\u5e02\u573a\u76d1\u7763\u7ba1\u7406\u5c40\uff08FINMA\uff09\u7684\u671f\u671b\uff0c\u540c\u65f6\u4f7f\u7528 InvestGlass \u5c06\u6240\u6709\u5ba2\u6237\u6570\u636e\u4fdd\u7559\u5728\u745e\u58eb\u672c\u571f\u57fa\u7840\u8bbe\u65bd\u5185\uff0c\u786e\u4fdd\u5408\u89c4\u56e2\u961f\u80fd\u591f\u4fdd\u6301\u5168\u9762\u7684\u76d1\u7763\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-identity-verification-in-online-banking\"><span class=\"ez-toc-section\" id=\"Identity_Verification_in_Online_Banking\"><\/span>\u7f51\u4e0a\u94f6\u884c\u8eab\u4efd\u9a8c\u8bc1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2026\u5e74\u7684\u6570\u5b57\u8eab\u4efd\u9a8c\u8bc1\u6280\u672f\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f7f\u7528\u9762\u90e8\u8bc6\u522b\u6280\u672f\u5bf9\u81ea\u62cd\u7167\u4e0e\u62a4\u7167\u7167\u7247\u8fdb\u884c\u751f\u7269\u7279\u5f81\u9762\u90e8\u6bd4\u5bf9<\/li>\n\n\n\n<li>NFC\u8bfb\u53d6 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e7%94%9f%e7%89%a9%e8%af%86%e5%88%ab%e6%8a%a4%e7%85%a7-%e4%bc%98%e7%82%b9-%e7%94%a8%e9%80%94%e5%92%8c%e5%ae%89%e5%85%a8%e5%8a%9f%e8%83%bd\/\" target=\"_self\">\u751f\u7269\u8bc6\u522b\u62a4\u7167<\/a> \u5728\u517c\u5bb9\u7684\u667a\u80fd\u624b\u673a\u4e0a<\/li>\n\n\n\n<li>\u901a\u8fc7\u5b89\u5168 API \u5229\u7528\u7b2c\u4e09\u65b9\u6570\u636e\u63d0\u4f9b\u5546\u9a8c\u8bc1\u56fd\u6c11\u8eab\u4efd\u8bc1<\/li>\n\n\n\n<li>\u8bbe\u5907\u6307\u7eb9\u8bc6\u522b\uff0c\u7528\u4e8e\u68c0\u6d4b\u865a\u5047\u8eab\u4efd\u5e76\u9632\u8303\u6b3a\u8bc8\u653b\u51fb<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u901a\u8fc7API\u5c06InvestGlass\u8fde\u63a5\u5230\u6210\u719f\u7684\u6b27\u6d32KYC\u63d0\u4f9b\u5546\uff0c\u540c\u65f6\u5c06\u4e1a\u52a1\u7f16\u6392\u548cCRM\u6570\u636e\u4fdd\u7559\u5728\u81ea\u8eab\u7684\u4e3b\u6743\u73af\u5883\u4e2d\u3002\u8fd9\u79cd\u65b9\u6cd5\u5e73\u8861\u4e86\u901f\u5ea6\u4e0e\u5b89\u5168\u6027\uff1a\u5bf9\u4f4e\u98ce\u9669\u7684\u6e05\u6670\u6848\u4f8b\u8fdb\u884c\u5373\u65f6\u5ba1\u6279\uff0c\u4ec5\u5bf9\u9700\u8981\u4eba\u5de5\u590d\u6838\u7684\u8b66\u62a5\u81ea\u52a8\u5206\u6d41\u7ed9\u5408\u89c4\u56e2\u961f\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-financial-crime-and-aml-screening\"><span class=\"ez-toc-section\" id=\"Financial_Crime_and_AML_Screening\"><\/span>\u91d1\u878d\u72af\u7f6a\u4e0e\u53cd\u6d17\u94b1\u7b5b\u67e5<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5165\u9a7b\u8fc7\u7a0b\u4e2d\u6536\u96c6\u7684\u5ba2\u6237\u6570\u636e\u5c06\u81ea\u52a8\u7528\u4e8e\u6bd4\u5bf9\u6b27\u76df\u3001OFAC\u548c\u8054\u5408\u56fd\u5236\u88c1\u540d\u5355\u4ee5\u53ca\u533a\u57df\u89c2\u5bdf\u540d\u5355\u3002\u98ce\u9669\u8bc4\u5206\u6a21\u578b\u7ed3\u5408\u4e86KYC\u7ed3\u679c\u3001\u5730\u7406\u4f4d\u7f6e\u3001\u4ea7\u54c1\u7c7b\u578b\u548c\u4ea4\u6613\u610f\u56fe\uff0c\u4ee5\u8d4b\u4e88\u521d\u59cb\u8bc4\u7ea7\uff0c\u4ece\u800c\u964d\u4f4e\u98ce\u9669\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b9a\u671f\u5ba1\u67e5\u5b89\u6392\u5728\u5ba2\u6237\u5165\u804c\u65f6\u8fdb\u884c\uff0c\u4e0b\u4e00\u6b21KYC\u66f4\u65b0\u4f1a\u81ea\u52a8\u8bb0\u5165InvestGlass CRM\u4e2d\uff0c\u4ee5\u4fbf\u8fdb\u884c\u6301\u7eed\u76d1\u63a7\u3002\u4f8b\u5982\uff0c\u5bf9\u6765\u81ea\u6b27\u76df\u4ee5\u5916\u7684PEP\uff08\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff09\u8fdb\u884c\u5165\u804c\u5ba1\u67e5\u65f6\uff0c\u4ece\u7b2c\u4e00\u5929\u8d77\u5c31\u4f1a\u89e6\u53d1\u589e\u5f3a\u578b\u76d1\u63a7\uff0c\u6240\u6709\u6d3b\u52a8\u90fd\u4f1a\u81ea\u52a8\u8fdb\u884c\u5ba1\u67e5\u5904\u7406\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u81ea\u52a8\u5316\u8fd9\u4e9b\u5408\u89c4\u6d41\u7a0b\uff0c\u94f6\u884c\u80fd\u591f\u5728\u4fdd\u6301\u5f3a\u5927\u7684\u98ce\u9669\u63a7\u5236\u7684\u540c\u65f6\uff0c\u4e13\u6ce8\u4e8e\u63d0\u4f9b\u65e0\u7f1d\u7684\u5ba2\u6237\u4f53\u9a8c\u3002\u4e0b\u4e00\u4e2a\u9700\u8981\u8003\u8651\u7684\u95ee\u9898\u662f\u652f\u6301\u8fd9\u4e00\u6570\u5b57\u5316\u8f6c\u578b\u7684\u6280\u672f\u6808\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-technology-stack-for-online-banking-onboarding\"><span class=\"ez-toc-section\" id=\"Technology_Stack_for_Online_Banking_Onboarding\"><\/span>\u7f51\u4e0a\u94f6\u884c\u5f00\u6237\u6280\u672f\u6808<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u73b0\u4ee3\u5316\u7684\u5165\u804c\u5e73\u53f0\u7531\u591a\u4e2a\u534f\u540c\u5de5\u4f5c\u7684\u5c42\u7ea7\u7ec4\u6210\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u5c42<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u529f\u80fd<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5ba2\u6237\u4f53\u9a8c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7528\u4e8e\u7528\u6237\u4ea4\u4e92\u7684\u7f51\u9875\u548c\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7f16\u6392<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5de5\u4f5c\u6d41\u7ba1\u7406\u4e0e\u65c5\u7a0b\u903b\u8f91<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>CRM\u4e0e\u5ba2\u6237\u6570\u636e<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5355\u4e00\u5ba2\u6237\u89c6\u56fe\u4e0e\u5173\u7cfb\u7ba1\u7406<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5408\u89c4\u4e0e\u98ce\u9669<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>KYC\u3001AML \u548c\u98ce\u9669\u8bc4\u5206\u5f15\u64ce<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6838\u5fc3\u94f6\u884c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8d26\u6237\u521b\u5efa\u4e0e\u4ea7\u54c1\u5f00\u901a<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">API \u5c06\u8eab\u4efd\u9a8c\u8bc1\u63d0\u4f9b\u5546\u3001\u5f81\u4fe1\u673a\u6784\u3001\u4f01\u4e1a\u5ba2\u6237\u6ce8\u518c\u6570\u636e\u5e93\u4ee5\u53ca\u6587\u6863\u5b58\u50a8\u5e93\u8fde\u63a5\u8d77\u6765\u3002InvestGlass \u5145\u5f53\u4e1a\u52a1\u6d41\u7a0b\u7f16\u6392\u548c\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406 (CRM) \u5c42\uff0c\u8fde\u63a5\u6570\u5b57\u6e20\u9053\u4e0e\u6838\u5fc3\u7cfb\u7edf\uff0c\u5e76\u6258\u7ba1\u5728\u745e\u58eb\u5883\u5185\u6216\u672c\u5730\u90e8\u7f72\uff0c\u4ee5\u786e\u4fdd\u5b8c\u5168\u7684\u4e3b\u6743\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u5e73\u53f0\u65b9\u6cd5\u4e0e\u62fc\u51d1\u591a\u4e2a\u7f3a\u4e4f\u901a\u7528\u6570\u636e\u6a21\u578b\u7684\u70b9\u89e3\u51b3\u65b9\u6848\u7684\u590d\u6742\u6027\u5f62\u6210\u4e86\u9c9c\u660e\u5bf9\u6bd4\uff0c\u540e\u8005\u4f1a\u5bfc\u81f4\u5ba2\u6237\u4fe1\u606f\u788e\u7247\u5316\u548c\u5408\u89c4\u6f0f\u6d1e\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-integration-with-crm-and-core-banking\"><span class=\"ez-toc-section\" id=\"Integration_with_CRM_and_Core_Banking\"><\/span>\u4e0e\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\uff08CRM\uff09\u548c\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u96c6\u6210<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5165\u804c\u6570\u636e\u81ea\u52a8\u6d41\u5165\u94f6\u884c\u7684 CRM\uff0c\u4ece\u800c\u521b\u5efa\u4e00\u4e2a\u5305\u542b\u98ce\u9669\u6982\u51b5\u3001\u540c\u610f\u4e66\u3001\u4ea7\u54c1\u548c\u6c9f\u901a\u504f\u597d\u5728\u5185\u7684\u5355\u4e00\u5ba2\u6237\u89c6\u56fe\u3002InvestGlass \u53ef\u4ee5\u53d6\u4ee3\u6216\u8865\u5145\u73b0\u6709\u7684\u7cfb\u7edf <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e4%bb%80%e4%b9%88%e6%98%af%e9%93%b6%e8%a1%8c%e4%b8%9a%e7%9a%84-crm\/\" target=\"_self\">\u91d1\u878d\u673a\u6784\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u7cfb\u7edf<\/a>, \uff0c\u786e\u4fdd\u5165\u804c\u6d41\u7a0b\u548c\u5173\u7cfb\u7ba1\u7406\u5171\u4eab\u540c\u4e00\u4e2a\u4e3b\u6743\u5e73\u53f0\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0e\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u7684\u96c6\u6210\u70b9\u5305\u62ec\uff1a\u81ea\u52a8\u521b\u5efa\u65b0\u8d26\u6237\u3001\u5206\u914dIBAN\uff08\u56fd\u9645\u94f6\u884c\u8d26\u53f7\uff09\uff0c\u4ee5\u53ca\u5728\u6279\u51c6\u540e\u914d\u7f6e\u521d\u59cb\u9650\u989d\u3002\u5b9e\u65f6\u96c6\u6210\u4f7f\u5f97\u5165\u9a7b\u5b8c\u6210\u540e\u80fd\u591f\u7acb\u5373\u5f00\u901a\u6570\u5b57\u94b1\u5305\u6216\u53d1\u5361\uff0c\u4ece\u800c\u6ee1\u8db3\u5ba2\u6237\u5bf9\u5373\u65f6\u8bbf\u95ee\u7684\u9700\u6c42\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-client-portals-and-secure-document-collection\"><span class=\"ez-toc-section\" id=\"Client_Portals_and_Secure_Document_Collection\"><\/span>\u5ba2\u6237\u95e8\u6237\u4e0e\u5b89\u5168\u6587\u4ef6\u6536\u96c6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u54c1\u724c\u4e13\u5c5e\u7684\u5ba2\u6237\u95e8\u6237\u652f\u6301\u4f7f\u7528\u62d6\u653e\u529f\u80fd\u8fdb\u884c\u5b89\u5168\u7684\u6587\u6863\u4e0a\u4f20\u3001\u7535\u5b50\u7b7e\u540d\uff0c\u4ee5\u53ca\u5728\u6ce8\u518c\u8fc7\u7a0b\u4e4b\u4e2d\u53ca\u4e4b\u540e\u7684\u6301\u7eed\u6c9f\u901a\u3002\u8bf8\u5982\u201c\u6211\u4eec\u6b63\u5728\u9a8c\u8bc1\u60a8\u7684\u8eab\u4efd\u8bc1\u4ef6\u201d\u4e4b\u7c7b\u7684\u5b9e\u65f6\u72b6\u6001\u6307\u793a\u706f\u5728\u6574\u4e2a\u6587\u6863\u9a8c\u8bc1\u8fc7\u7a0b\u4e2d\u8ba9\u5ba2\u6237\u968f\u65f6\u4e86\u89e3\u6700\u65b0\u8fdb\u5c55\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u5ba2\u6237\u95e8\u6237\u5c06\u6587\u4ef6\u548c\u6d88\u606f\u4fdd\u5b58\u5728\u745e\u58eb\u6570\u636e\u4e2d\u5fc3\u6216\u94f6\u884c\u81ea\u5df1\u7684\u57fa\u7840\u8bbe\u65bd\u5185\uff0c\u63d0\u4f9b\u516c\u5171\u4e91\u5e73\u53f0\u65e0\u6cd5\u4fdd\u8bc1\u7684\u63a7\u5236\u80fd\u529b\u3002\u540c\u4e00\u4e2a\u95e8\u6237\u7f51\u7ad9\u652f\u6301\u5165\u804c\u540e\u7684\u5404\u9879\u6d3b\u52a8\uff0c\u5305\u62ec\u9002\u5f53\u6027\u95ee\u5377\u3001\u6295\u8d44\u7ec4\u5408\u62a5\u544a\u548c\u5b89\u5168\u7684\u6587\u4ef6\u4ea4\u4ed8\uff0c\u4ece\u800c\u6d88\u9664\u4e86\u5b9e\u4f53\u7eb8\u8d28\u6587\u4ef6\u3002.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2026\/03\/3750f05c-f9e2-4963-8af7-3593b9f1d87f.png\" alt=\"\u4e00\u540d\u4e13\u4e1a\u4eba\u58eb\u5750\u5728\u73b0\u4ee3\u529e\u516c\u5ba4\u7684\u4e00\u5f20\u65f6\u5c1a\u529e\u516c\u684c\u524d\uff0c\u4e13\u6ce8\u4e8e\u7b14\u8bb0\u672c\u7535\u8111\uff0c\u5c4f\u5e55\u4e0a\u663e\u793a\u7740\u94f6\u884c\u9762\u5411\u65b0\u5ba2\u6237\u7684\u6570\u5b57\u5316\u5165\u9a7b\u5e73\u53f0\u3002\u8fd9\u4e00\u73af\u5883\u5f70\u663e\u4e86\u5bf9\u9ad8\u6548\u5ba2\u6237\u5165\u9a7b\u7684\u627f\u8bfa\uff0c\u5373\u5229\u7528\u6570\u5b57\u5316\u5de5\u5177\u6765\u63d0\u5347\u5ba2\u6237\u4f53\u9a8c\u5e76\u7b80\u5316\u5165\u9a7b\u6d41\u7a0b\u3002.\"><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f3a\u5927\u7684\u6280\u672f\u6808\u53ea\u6709\u5728\u6ee1\u8db3\u76d1\u7ba1\u671f\u671b\uff08\u5c24\u5176\u662f\u5173\u4e8e\u6570\u636e\u4e3b\u6743\u548c\u5408\u89c4\u6027\uff09\u65f6\u624d\u6709\u6548\u3002\u4ee5\u4e0b\u90e8\u5206\u63a2\u8ba8\u4e86\u8fd9\u4e9b\u5173\u952e\u8981\u6c42\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-data-sovereignty-hosting-and-regulatory-expectations\"><span class=\"ez-toc-section\" id=\"Data_Sovereignty_Hosting_and_Regulatory_Expectations\"><\/span>\u6570\u636e\u4e3b\u6743\u3001\u6258\u7ba1\u4e0e\u76d1\u7ba1\u671f\u671b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u81ea2022\u5e74\u4ee5\u6765\uff0c\u6570\u636e\u4e3b\u6743\u5df2\u6210\u4e3a\u6b27\u6d32\u94f6\u884c\u548c\u516c\u5171\u673a\u6784\u8463\u4e8b\u4f1a\u5c42\u9762\u7684\u5f53\u52a1\u4e4b\u6025\u3002\u5bf9\u7f8e\u56fd\u300a\u4e91\u7aef\u6cd5\u6848\u300b\uff08CLOUD Act\uff09\u7b49\u7acb\u6cd5\u4e0b\u57df\u5916\u8bbf\u95ee\u6743\u9650\u7684\u62c5\u5fe7\uff0c\u52a0\u4e0a\u4e91\u670d\u52a1\u8fc7\u5ea6\u96c6\u4e2d\u7684\u98ce\u9669\uff0c\u4fc3\u4f7f\u8fd9\u4e9b\u673a\u6784\u4e3a\u5176\u5173\u952e\u5ba2\u6237\u6570\u636e\u5bfb\u6c42\u975e\u7f8e\u548c\u975e\u4e2d\u7684\u89e3\u51b3\u65b9\u6848\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6b27\u6d32\u673a\u6784\u8d8a\u6765\u8d8a\u503e\u5411\u4e8e\u91c7\u7528\u53d7\u6b27\u6d32\u6cd5\u5f8b\u7ba1\u8f96\u7684\u57fa\u7840\u8bbe\u65bd\u3002InvestGlass \u63d0\u4f9b\u745e\u58eb\u5883\u5185\u6258\u7ba1\u548c\u672c\u5730\u90e8\u7f72\u9009\u9879\uff0c\u4f7f\u94f6\u884c\u80fd\u591f\u5c06\u5ba2\u6237\u6570\u636e\u4fdd\u7559\u5728\u56fd\u754c\u4e4b\u5185\uff0c\u5e76\u5b8c\u5168\u638c\u63a7\u52a0\u5bc6\u5bc6\u94a5\u548c\u8bbf\u95ee\u7b56\u7565\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u65b9\u6cd5\u652f\u6301\u5404\u9879\u76d1\u7ba1\u6846\u67b6\uff0c\u5305\u62ecGDPR\u3001\u745e\u58ebFADP\uff08\u300a\u8054\u90a6\u6570\u636e\u4fdd\u62a4\u6cd5\u300b\uff0c\u5373\u745e\u58eb\u89c4\u8303\u4e2a\u4eba\u6570\u636e\u5904\u7406\u7684\u6cd5\u5f8b\uff09\u4ee5\u53caFINMA\u901a\u544a\uff08\u745e\u58eb\u91d1\u878d\u5e02\u573a\u76d1\u7763\u7ba1\u7406\u5c40\u53d1\u5e03\u7684\u76d1\u7ba1\u6307\u5357\uff0c\u5bf9\u91d1\u878d\u673a\u6784\u63d0\u51fa\u4e86\u8be6\u7ec6\u8981\u6c42\uff09\u3002\u672c\u5730\u6258\u7ba1\u53ef\u5b9e\u73b0\u53ef\u5ba1\u8ba1\u6027\uff0c\u5e76\u6811\u7acb\u76d1\u7ba1\u673a\u6784\u7684\u4fe1\u5fc3\u3002\u867d\u7136\u4e00\u4e9b\u7ade\u4e89\u5bf9\u624b\u8981\u6c42\u4f7f\u7528\u5916\u56fd\u7ba1\u8f96\u533a\u7684\u516c\u5171\u4e91\uff0c\u4f46InvestGlass\u5b8c\u5168\u5728\u745e\u58eb\u6216\u5ba2\u6237\u63a7\u5236\u7684\u57fa\u7840\u8bbe\u65bd\u4e0b\u8fd0\u884c\uff0c\u786e\u4fdd\u5728\u65e0\u9700\u8fde\u63a5\u5916\u90e8\u4e91\u670d\u52a1\u5546\u4e92\u8054\u7f51\u7684\u60c5\u51b5\u4e0b\u5b9e\u73b0\u5408\u89c4\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-security-controls-for-online-onboarding\"><span class=\"ez-toc-section\" id=\"Security_Controls_for_Online_Onboarding\"><\/span>\u5728\u7ebf\u5165\u9a7b\u5b89\u5168\u63a7\u5236<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u5b57\u7cfb\u7edf\u7684\u5177\u4f53\u5b89\u5168\u63aa\u65bd\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4f20\u8f93\u4e2d\u7684\u6570\u636e\u4f7f\u7528 TLS \u52a0\u5bc6<\/li>\n\n\n\n<li>\u4f7f\u7528\u94f6\u884c\u63a7\u5236\u5bc6\u94a5\u7684\u9759\u6001\u6570\u636e\u52a0\u5bc6<\/li>\n\n\n\n<li>\u57fa\u4e8e\u89d2\u8272\u7684\u8bbf\u95ee\u63a7\u5236\uff0c\u7528\u4e8e\u9650\u5236\u6570\u636e\u53ef\u89c1\u6027<\/li>\n\n\n\n<li>\u5bf9\u6bcf\u4e2a\u5f15\u5bfc\u6b65\u9aa4\u8fdb\u884c\u5168\u9762\u7684\u5ba1\u8ba1\u65e5\u5fd7\u8bb0\u5f55<\/li>\n\n\n\n<li>\u9762\u5411\u5458\u5de5\u548c\u5ba2\u6237\u7684\u591a\u56e0\u7d20\u8eab\u4efd\u9a8c\u8bc1<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8eab\u4efd\u9a8c\u8bc1\u9009\u9879\u5305\u62ec\u77ed\u4fe1\u4e00\u6b21\u6027\u5bc6\u7801\uff08SMS OTP\uff09\u3001\u8eab\u4efd\u9a8c\u8bc1\u5668\u5e94\u7528\u7a0b\u5e8f\u6216\u786c\u4ef6\u4ee4\u724c\uff0c\u5177\u4f53\u53d6\u51b3\u4e8e\u673a\u6784\u7b56\u7565\u3002InvestGlass \u652f\u6301\u73af\u5883\u9694\u79bb\u548c\u7ec6\u7c92\u5ea6\u6743\u9650\uff0c\u786e\u4fdd\u5408\u89c4\u56e2\u961f\u3001\u5ba2\u6237\u7ecf\u7406\u548c IT \u56e2\u961f\u53ea\u80fd\u8bbf\u95ee\u4e0e\u5176\u89d2\u8272\u76f8\u5173\u7684\u6570\u636e\u3002\u5b9a\u671f\u6e17\u900f\u6d4b\u8bd5\u548c\u5b89\u5168\u7684\u5f00\u53d1\u5b9e\u8df5\u7b26\u5408\u53d7\u76d1\u7ba1\u673a\u6784\u670d\u52a1\u5546\u6240\u671f\u671b\u7684\u6807\u51c6\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u843d\u5b9e\u6570\u636e\u4e3b\u6743\u548c\u5b89\u5168\u63a7\u5236\u7684\u524d\u63d0\u4e0b\uff0c\u94f6\u884c\u53ef\u4ee5\u4e13\u6ce8\u4e8e\u4f18\u5316\u5f00\u6237\u6d41\u7a0b\uff0c\u4ee5\u63d0\u9ad8\u6548\u7387\u548c\u5ba2\u6237\u6ee1\u610f\u5ea6\u3002\u4e0b\u4e00\u8282\u5c06\u63a2\u8ba8\u5982\u4f55\u8861\u91cf\u548c\u63d0\u5347\u5f00\u6237\u6d41\u7a0b\u7684\u7ee9\u6548\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-metrics-optimisation-and-continuous-improvement\"><span class=\"ez-toc-section\" id=\"Metrics_Optimisation_and_Continuous_Improvement\"><\/span>\u6307\u6807\u3001\u4f18\u5316\u4e0e\u6301\u7eed\u6539\u8fdb<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6570\u5b57\u5316\u8eab\u4efd\u6ce8\u518c\u7684\u6301\u7eed\u6539\u8fdb\u4f9d\u8d56\u4e8e\u8ddf\u8e2a\u548c\u4f18\u5316\u5173\u952e\u6307\u6807\uff0c\u4ee5\u540c\u65f6\u63d0\u5347\u5408\u89c4\u6027\u4e0e\u5ba2\u6237\u4f53\u9a8c\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-metrics-to-track\"><span class=\"ez-toc-section\" id=\"Key_Metrics_to_Track\"><\/span>\u9700\u8981\u8ddf\u8e2a\u7684\u5173\u952e\u6307\u6807<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5b8c\u6210\u5165\u804c\u57f9\u8bad\u6240\u9700\u65f6\u95f4\uff08\u76ee\u6807\uff1a\u4f4e\u98ce\u9669\u96f6\u552e\u4e1a\u52a1\u5c11\u4e8e 3 \u5206\u949f\uff09<\/li>\n\n\n\n<li>\u7528\u6237\u65c5\u7a0b\u4e2d\u6bcf\u4e2a\u6b65\u9aa4\u7684\u653e\u5f03\u7387<\/li>\n\n\n\n<li>\u83b7\u6279\u540e\u9996\u6b21\u4ea4\u6613\u65f6\u95f4<\/li>\n\n\n\n<li>\u6bcf 100 \u4efd\u7533\u8bf7\u7684\u624b\u52a8\u5ba1\u6838\u6570\u91cf<\/li>\n\n\n\n<li>\u83b7\u5ba2\u6210\u672c<\/li>\n\n\n\n<li>\u5ba2\u6237\u53cd\u9988\u8bc4\u5206<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u516c\u5236<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u76ee\u6807\/\u57fa\u51c6<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5b8c\u6210\u5165\u804c\u57f9\u8bad\u6240\u9700\u65f6\u95f4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3\u5206\u949f\u4ee5\u5185\uff08\u4f4e\u98ce\u9669\u96f6\u552e\uff09<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u79fb\u52a8\u7aef\u5f03\u8d2d\u7387<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4f4e\u4e8e 20%<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6bcf100\u4e2a\u5e94\u7528\u7a0b\u5e8f\u7684\u4eba\u5de5\u5ba1\u6838\u6570<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5c3d\u53ef\u80fd\u4f4e\uff08\u4e13\u6ce8\u4e8e\u81ea\u52a8\u5316\uff09<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5ba2\u6237\u6ee1\u610f\u5ea6\u8bc4\u5206<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u9ad8\u4e8e\u884c\u4e1a\u5e73\u5747\u6c34\u5e73<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-optimising-the-onboarding-process\"><span class=\"ez-toc-section\" id=\"Optimising_the_Onboarding_Process\"><\/span>\u4f18\u5316\u5165\u804c\u6d41\u7a0b<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u8868\u5355\u5e03\u5c40\u3001\u6587\u6848\u548c\u6587\u4ef6\u8981\u6c42\u7684A\/B\u6d4b\u8bd5\u53ef\u4ee5\u5728\u4e0d\u524a\u5f31\u63a7\u5236\u7684\u524d\u63d0\u4e0b\u63d0\u9ad8\u5b8c\u6210\u7387\u3002InvestGlass\u62a5\u544a\u548c\u4eea\u8868\u677f\u53ef\u5b9e\u65f6\u663e\u793a\u7533\u8bf7\u5361\u5728\u4f55\u5904\u4ee5\u53ca\u54ea\u4e9b\u5ba2\u6237\u7fa4\u4f53\u9047\u5230\u4e86\u963b\u788d\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff0c\u786e\u5b9a40%\u7684\u6d41\u5931\u53d1\u751f\u5728\u6587\u6863\u4e0a\u4f20\u73af\u8282\uff0c\u53ef\u4ee5\u901a\u8fc7\u624b\u673a\u62cd\u7167\u529f\u80fd\u548c\u66f4\u6e05\u6670\u7684\u6307\u5f15\u6765\u89e3\u51b3\u3002\u8fd9\u79cd\u4ee5\u6570\u636e\u4e3a\u9a71\u52a8\u7684\u65b9\u6cd5\u6765\u7b80\u5316\u5165\u804c\u6d41\u7a0b\uff0c\u80fd\u591f\u76f4\u63a5\u63d0\u9ad8\u5ba2\u6237\u7559\u5b58\u7387\u5e76\u8282\u7701\u6210\u672c\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u901a\u8fc7\u5173\u6ce8\u8fd9\u4e9b\u6307\u6807\u5e76\u8fdb\u884c\u6301\u7eed\u4f18\u5316\uff0c\u94f6\u884c\u53ef\u4ee5\u786e\u4fdd\u5176\u5f00\u6237\u6d41\u7a0b\u4fdd\u6301\u7ade\u4e89\u529b\u548c\u5408\u89c4\u6027\u3002\u4e0b\u4e00\u90e8\u5206\u91cd\u70b9\u4ecb\u7ecd\u4e86 InvestGlass \u5982\u4f55\u4e3a\u53d7\u76d1\u7ba1\u673a\u6784\u652f\u6301\u8fd9\u4e9b\u76ee\u6807\u7684\u5b9e\u73b0\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-investglass-supports-sovereign-digital-onboarding-for-banks\"><span class=\"ez-toc-section\" id=\"How_InvestGlass_Supports_Sovereign_Digital_Onboarding_for_Banks\"><\/span>InvestGlass \u5982\u4f55\u652f\u6301\u94f6\u884c\u4e1a\u7684\u4e3b\u6743\u6570\u5b57\u5f00\u6237<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">InvestGlass \u5c06\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\uff08CRM\uff09\u3001\u6570\u5b57\u5f00\u6237\u8f6f\u4ef6\u3001KYC \u5de5\u4f5c\u6d41\u7a0b\u548c\u5b89\u5168\u7684\u5ba2\u6237\u95e8\u6237\u6574\u5408\u5728\u4e00\u4e2a\u4e13\u4e3a\u6b27\u6d32\u548c\u745e\u58eb\u94f6\u884c\u6253\u9020\u7684\u5f00\u6237\u5e73\u53f0\u4e2d\u3002\u745e\u58eb\u6258\u7ba1\u548c\u53ef\u9009\u7684\u672c\u5730\u90e8\u7f72\u786e\u4fdd\u5ba2\u6237\u6570\u636e\u65e0\u9700\u79bb\u5f00\u673a\u6784\u7684\u7ba1\u8f96\u8303\u56f4\uff0c\u4e5f\u4e0d\u4f1a\u5b58\u50a8\u5728\u7f8e\u8d44\u6216\u4e2d\u8d44\u8d85\u5927\u89c4\u6a21\u4e91\u670d\u52a1\u5546\u5904\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5177\u4f53\u7684\u7528\u4f8b\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u96f6\u552e\u79fb\u52a8\u7aef\u65b0\u7528\u6237\u5f15\u5bfc<\/strong>\u901a\u8fc7\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u8fdb\u884c\u751f\u7269\u7279\u5f81\u9a8c\u8bc1\u7684\u4e09\u5206\u949f\u6d41\u7a0b<\/li>\n\n\n\n<li><strong>\u9ad8\u51c0\u503c\u5ba2\u6237\u5165\u9a7b<\/strong>: \u52a0\u5f3a\u9002\u5408\u6027\u68c0\u67e5\u548c\u8d22\u5bcc\u6765\u6e90\u6587\u4ef6\u8bb0\u5f55<\/li>\n\n\n\n<li><strong>\u4e2d\u5c0f\u4f01\u4e1a\u5ba2\u6237\u5165\u9a7b\u6d41\u7a0b<\/strong>\u901a\u8fc7\u4f01\u4e1a\u6ce8\u518c\u6570\u636e\u5e93\u96c6\u6210\u8fdb\u884c\u8463\u4e8b\u6838\u5b9e\u4e0eUBO\uff08\u6700\u7ec8\u53d7\u76ca\u6240\u6709\u4eba\uff09\u8bc6\u522b<\/li>\n\n\n\n<li><strong>\u4fe1\u7528\u5408\u4f5c\u793e<\/strong>\u7b80\u5316\u5e76\u4f18\u5316\u4f1a\u5458\u8d26\u6237\u7684\u5165\u804c\u6d41\u7a0b<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u94f6\u884c\u4e1a\u6570\u5b57\u5316\u8f6c\u578b\u9700\u8981\u65e2\u61c2\u5ba2\u6237\u4f53\u9a8c\u53c8\u61c2\u76d1\u7ba1\u8981\u6c42\u7684\u6280\u672f\u5408\u4f5c\u4f19\u4f34\u3002InvestGlass \u5728\u4fdd\u62a4\u6570\u636e\u4e3b\u6743\u7684\u540c\u65f6\uff0c\u5b9e\u73b0\u6210\u529f\u7684\u5ba2\u6237\u5165\u9a7b\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u51c6\u5907\u597d\u5c06\u60a8\u7684\u5165\u804c\u6d41\u7a0b\u73b0\u4ee3\u5316\u4e86\u5417\uff1f<\/strong> \u7533\u8bf7\u5b9a\u5236\u6f14\u793a\u6216\u7814\u8ba8\u4f1a\uff0c\u63a2\u7d22InvestGlass\u5982\u4f55\u91cd\u5851\u60a8\u7684\u6570\u5b57\u5316\u4e1a\u52a1 <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e6%8e%8c%e6%8f%a1%e9%93%b6%e8%a1%8c%e4%b8%9a%e5%ae%a2%e6%88%b7%e5%85%a5%e8%81%8c%e6%88%90%e5%8a%9f%e7%9a%84%e9%a1%b6%e7%ba%a7%e7%ad%96%e7%95%a5\/\" target=\"_self\">\u94f6\u884c\u5165\u804c<\/a> \u540c\u65f6\u5b8c\u5168\u638c\u63a7\u5ba2\u6237\u6570\u636e\u3002.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-about-online-banking-onboarding\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_About_Online_Banking_Onboarding\"><\/span>\u7f51\u4e0a\u94f6\u884c\u5f00\u6237\u5e38\u89c1\u95ee\u9898\u89e3\u7b54<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2026\u5e74\u7684\u5728\u7ebf\u5165\u804c\u6d41\u7a0b\u5e94\u8be5\u6301\u7eed\u591a\u957f\u65f6\u95f4\uff1f<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u4f4e\u98ce\u9669\u96f6\u552e\u5ba2\u6237\uff0c\u76ee\u6807\u5b8c\u6210\u65f6\u95f4\u5728\u4e09\u5206\u949f\u4ee5\u5185\u3002\u6d89\u53ca\u6700\u7ec8\u53d7\u76ca\u6240\u6709\u4eba\uff08UBO\uff09\u9a8c\u8bc1\u548c\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u7684\u4f01\u4e1a\u5ba2\u6237\u5165\u9a7b\u901a\u5e38\u9700\u8981\u4e00\u5230\u4e09\u5929\u3002\u76ee\u524d\uff0c\u8fc7\u534a\u7684\u9886\u5148\u6570\u5b57\u94f6\u884c\u901a\u8fc7\u81ea\u52a8\u5316\u548c\u9ad8\u6548\u7684\u5165\u9a7b\u6d41\u7a0b\u8fbe\u5230\u4e86\u8fd9\u4e9b\u57fa\u51c6\u3002.<\/p>\n\n\n\n<p 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\u8fde\u63a5\u5230\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u4ee5\u8fdb\u884c\u8d26\u6237\u521b\u5efa\uff0c\u901a\u8fc7 API \u8fde\u63a5\u5230 KYC \u63d0\u4f9b\u5546\u4ee5\u8fdb\u884c\u8eab\u4efd\u9a8c\u8bc1\uff0c\u8fde\u63a5\u5230\u652f\u4ed8\u7cfb\u7edf\u4ee5\u8fdb\u884c\u5361\u7247\u914d\u7f6e\uff0c\u5e76\u8fde\u63a5\u5230\u5546\u4e1a\u767b\u8bb0\u5904\u4ee5\u8fdb\u884c\u516c\u53f8\u9a8c\u8bc1\u3002. <a rel=\"noopener noreferrer\" href=\"https:\/\/www.investglass.com\/zh\/%e8%b4%ad%e4%b9%b0%e4%b8%80%e5%ae%b6%e9%93%b6%e8%a1%8c%e9%9c%80%e8%a6%81%e5%a4%9a%e5%b0%91%e9%92%b1%ef%bc%9f\/\" target=\"_self\">\u5927\u591a\u6570\u94f6\u884c<\/a> \u4f7f\u7528\u6807\u51c6 API \u548c\u4e13\u5c5e\u5b9e\u65bd\u652f\u6301\uff0c\u5728\u51e0\u5468\u5185\u5b9e\u73b0\u96c6\u6210\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>Introduction: Why Online Banking Onboarding Matters Now By early 2026, over 80% of new retail banking relationships in Europe are initiated through online channels. This shift has transformed customer onboarding in online banking from a back-office process into the critical moment of truth where banks either secure loyalty or lose prospects to competitors. The stakes [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":48942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[36,45],"class_list":["post-49344","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-banking","tag-digital-onboarding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Customer Onboarding in Online Banking Made Simple<\/title>\n<meta name=\"description\" content=\"Explore the importance of customer onboarding in online banking and its impact on loyalty and retention in a digital world.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investglass.com\/zh\/\u7f51\u4e0a\u94f6\u884c\u5ba2\u6237\u5f00\u6237\uff1a\u53d7\u76d1\u7ba1\u673a\u67842026\u5e74\u6307\u5357\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Customer Onboarding in Online Banking: A 2026 Guide for Regulated Institutions\" \/>\n<meta property=\"og:description\" content=\"Introduction: Why Online Banking Onboarding Matters Now By early 2026, over 80% of new retail banking relationships in Europe are initiated through online\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/zh\/\u7f51\u4e0a\u94f6\u884c\u5ba2\u6237\u5f00\u6237\uff1a\u53d7\u76d1\u7ba1\u673a\u67842026\u5e74\u6307\u5357\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-24T07:15:23+00:00\" \/>\n<meta property=\"article:modified_time\" 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