{"id":49971,"date":"2026-05-15T21:28:42","date_gmt":"2026-05-15T19:28:42","guid":{"rendered":"https:\/\/www.investglass.com\/?p=49971"},"modified":"2026-05-28T12:39:24","modified_gmt":"2026-05-28T10:39:24","slug":"%e9%87%91%e8%9e%8d%e6%9c%ba%e6%9e%84%e4%b8%ba%e4%bb%80%e4%b9%88%e9%9c%80%e8%a6%81%e5%9f%ba%e4%ba%8esaas%e7%9a%84%e5%ae%a2%e6%88%b7%e5%85%a5%e9%97%a8%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88","status":"publish","type":"post","link":"https:\/\/www.investglass.com\/zh\/why-do-financial-institutions-need-saas-based-customer-onboarding-solutions\/","title":{"rendered":"\u4e3a\u4ec0\u4e48\u91d1\u878d\u673a\u6784\u9700\u8981\u57fa\u4e8eSaaS\u7684\u5ba2\u6237\u5165\u9a7b\u89e3\u51b3\u65b9\u6848\uff1f"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u6570\u5b57\u4ee4\u4eba\u62c5\u5fe7\u3002\u52302025\u5e74\uff0c, <strong>70%\u5bb6\u91d1\u878d\u673a\u6784\u56e0\u5ba2\u6237\u5165\u804c\u6d41\u7a0b\u6548\u7387\u4f4e\u4e0b\u800c\u6d41\u5931\u4e86\u5ba2\u6237<\/strong>, \u6839\u636eFenergo\u5bf9\u6765\u81ea\u94f6\u884c\u3001\u8d44\u4ea7\u7ba1\u7406\u516c\u53f8\u548c\u57fa\u91d1\u7ba1\u7406\u673a\u6784\u5171600\u540d\u9ad8\u7ea7\u51b3\u7b56\u8005\u8fdb\u884c\u7684\u5168\u7403\u8c03\u67e5\u663e\u793a\uff0c\u8fd9\u4e00\u6570\u5b57\u8f83\u4e24\u5e74\u524d\u768448%\u6709\u6240\u4e0a\u5347\u3002 \u76ee\u524d\uff0c\u5ba2\u6237\u5165\u804c\u6d41\u7a0b\u7684\u5e73\u5747\u653e\u5f03\u7387\u7ea6\u4e3a10%\uff0c\u7531\u6b64\u4ea7\u751f\u7684\u6210\u672c\u4ee4\u4eba\u548b\u820c\uff1a\u53cd\u6d17\u94b1\/\u4e86\u89e3\u5ba2\u6237\uff08AML\/KYC\uff09\u8fd0\u8425\u7684\u5e74\u5747\u652f\u51fa\u5df2\u8fbe\u5230 <strong>US$72.9\u767e\u4e07\/\u5bb6\u4f01\u4e1a<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u53d7\u76d1\u7ba1\u7684\u673a\u6784\u3001\u94f6\u884c\u3001\u8d22\u5bcc\u7ba1\u7406\u516c\u53f8\u3001\u4fdd\u9669\u516c\u53f8\u548c\u623f\u5730\u4ea7\u4f01\u4e1a\u800c\u8a00\uff0c\u5ba2\u6237\u51c6\u5165\u6d41\u7a0b\u662f\u5408\u89c4\u4e49\u52a1\u3001\u6536\u5165\u786e\u8ba4\u65f6\u95f4\u8868\u4ee5\u53ca\u5ba2\u6237\u5173\u7cfb\u4ea4\u6c47\u78b0\u649e\u7684\u5173\u952e\u73af\u8282\u3002\u5982\u679c\u5904\u7406\u4e0d\u5f53\uff0c\u60a8\u5c06\u9762\u4e34\u76d1\u7ba1\u7f5a\u6b3e\u3001\u6536\u5165\u786e\u8ba4\u5ef6\u8fdf\u4ee5\u53ca\u5ba2\u6237\u5728\u5b8c\u6210\u7b2c\u4e00\u7b14\u4ea4\u6613\u524d\u4fbf\u6d41\u5931\u7684\u98ce\u9669\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u672c\u6307\u5357\u4e13\u4e3a\u53d7\u76d1\u7ba1\u91d1\u878d\u673a\u6784\u7684\u5408\u89c4\u5b98\u3001\u8fd0\u8425\u7ecf\u7406\u4ee5\u53ca\u5ba2\u6237\u5165\u9a7b\u56e2\u961f\u800c\u7f16\u5199\u3002\u5b83\u63a2\u8ba8\u4e86\u4e3a\u4ec0\u4e48\u57fa\u4e8e SaaS \u7684\u5ba2\u6237\u5165\u9a7b\u8f6f\u4ef6\u5df2\u4ece\u53ef\u9009\u53d8\u4e3a\u5fc5\u4e0d\u53ef\u5c11\u30012026 \u5e74\u6700\u6838\u5fc3\u7684\u529f\u80fd\u6709\u54ea\u4e9b\uff0c\u4ee5\u53ca\u5982\u4f55\u4e3a\u60a8\u7684\u673a\u6784\u8bc4\u4f30\u548c\u5b9e\u65bd\u6b63\u786e\u7684\u89e3\u51b3\u65b9\u6848\u3002.<\/p>\n\n\n\n<h2 id=\"h-what-is-saas-customer-onboarding-software\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_Is_SaaS_Customer_Onboarding_Software\"><\/span>\u4ec0\u4e48\u662f SaaS \u5ba2\u6237\u5165\u804c\u8f6f\u4ef6\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">SaaS\u5ba2\u6237\u5165\u9a7b\u8f6f\u4ef6\u662f\u4e00\u79cd\u57fa\u4e8e\u4e91\u6258\u7ba1\u7684\u5e73\u53f0\uff0c\u65e8\u5728\u5f15\u5bfc\u65b0\u7684B2B\u5ba2\u6237\u4ece\u7b7e\u7f72\u5408\u540c\u5230\u5b9e\u73b0\u5176\u9996\u4e2a\u53ef\u8861\u91cf\u7684\u6210\u679c\u3001\u8d26\u6237\u6fc0\u6d3b\u3001\u6295\u8d44\u7ec4\u5408\u5f00\u901a\u3001\u4fdd\u5355\u7b7e\u53d1\u6216\u521d\u59cb\u4ea4\u6613\u6267\u884c\u3002\u5bf9\u4e8e\u91d1\u878d\u673a\u6784\u800c\u8a00\uff0c\u8fd9\u6d89\u53ca\u81ea\u52a8\u5316\u5e76\u534f\u540c\u590d\u6742\u7684\u5408\u89c4\u3001\u6587\u6863\u8bb0\u5f55\u4ee5\u53ca\u5173\u7cfb\u5efa\u7acb\u6b65\u9aa4\u5e8f\u5217\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5b9e\u9645\u5e94\u7528\u4e2d\uff0c\u8fd9\u4e9b\u5e73\u53f0\u63d0\u4f9b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u52a8\u6001\u6570\u5b57\u8868\u5355<\/strong> \u5305\u542b\u9488\u5bf9KYC\u3001\u9002\u5f53\u6027\u8bc4\u4f30\u548c\u6587\u4ef6\u6536\u96c6\u7684\u6761\u4ef6\u903b\u8f91<\/li>\n\n\n\n<li><strong>\u5ba2\u6237\u534f\u4f5c\u95e8\u6237<\/strong> \u7528\u4e8e\u5b89\u5168\u7684\u6587\u6863\u4e0a\u4f20\u3001\u8fdb\u5ea6\u8ddf\u8e2a\u548c\u6d88\u606f\u4f20\u9012<\/li>\n\n\n\n<li><strong>\u81ea\u52a8\u5316\u5de5\u4f5c\u6d41\u8def\u7531<\/strong> \u7528\u4e8e\u5ba1\u6279\u3001\u5347\u7ea7\u548c\u5408\u89c4\u89e6\u53d1\u673a\u5236<\/li>\n\n\n\n<li><strong>\u5ba1\u8ba1\u8ddf\u8e2a\u4e0e\u5408\u89c4\u65e5\u5fd7<\/strong> \u6ee1\u8db3\u76d1\u7ba1\u68c0\u67e5\u8981\u6c42<\/li>\n\n\n\n<li><strong>\u5206\u6790\u548c\u62a5\u544a<\/strong> \u76d1\u63a7\u5b8c\u6210\u7387\u3001\u74f6\u9888\u548c\u5b9e\u73b0\u4ef7\u503c\u7684\u65f6\u95f4<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u533a\u5206SaaS\u5ba2\u6237\u5165\u9a7b\u8f6f\u4ef6\u4e0eAsana\u6216Trello\u7b49\u901a\u7528\u9879\u76ee\u7ba1\u7406\u5de5\u5177\u81f3\u5173\u91cd\u8981\u3002\u8d22\u52a1\u5165\u9a7b\u6d89\u53ca\u53d7\u76d1\u7ba1\u7684\u6570\u636e\u5904\u7406\u3001\u8eab\u4efd\u9a8c\u8bc1\u3001\u98ce\u9669\u8bc4\u5206\u3001\u591a\u65b9\u5ba1\u6279\u5de5\u4f5c\u6d41\u4ee5\u53ca\u5408\u89c4\u6027\u6587\u4ef6\u8bb0\u5f55\uff0c\u8fd9\u4e9b\u90fd\u662f\u901a\u7528\u4efb\u52a1\u7ba1\u7406\u5e73\u53f0\u6839\u672c\u65e0\u6cd5\u6ee1\u8db3\u7684\u8981\u6c42\u3002.<\/p>\n\n\n\n<h3 id=\"h-key-terms-explained\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Key_Terms_Explained\"><\/span>\u5173\u952e\u672f\u8bed\u89e3\u91ca<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>KYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\uff1a<\/strong> \u9a8c\u8bc1\u5ba2\u6237\u8eab\u4efd\u4ee5\u53ca\u8bc4\u4f30\u4e1a\u52a1\u5173\u7cfb\u4e2d\u975e\u6cd5\u6d3b\u52a8\u98ce\u9669\u7684\u76d1\u7ba1\u7a0b\u5e8f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>UBO\uff08\u6700\u7ec8\u5b9e\u76ca\u62e5\u6709\u4eba\uff09\uff1a<\/strong> \u6700\u7ec8\u53d7\u76ca\u4eba\uff08\u6216\u6700\u7ec8\u63a7\u5236\u4eba\uff09\uff0c\u5728\u4f01\u4e1a\u548c\u673a\u6784\u5ba2\u6237\u5f00\u6237\u5ba1\u6838\u4e2d\u5c24\u4e3a\u76f8\u5173\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>MiFID II\uff1a<\/strong> \u6b27\u76df\u8981\u6c42\u63d0\u4f9b\u91d1\u878d\u5de5\u5177\u670d\u52a1\u7684\u516c\u53f8\u786e\u4fdd\u900f\u660e\u5ea6\u3001\u9002\u5f53\u6027\u8bc4\u4f30\u548c\u6295\u8d44\u8005\u4fdd\u62a4\u7684\u7acb\u6cd5\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>AML\/AMLD5\/6\uff1a<\/strong> \u53cd\u6d17\u94b1\u6cd5\u89c4\u53ca\u5176\u6b27\u76df\u6307\u4ee4\uff0c\u5f3a\u5236\u8981\u6c42\u91c7\u53d6\u5f3a\u5316\u7684\u5c3d\u804c\u8c03\u67e5\u548c\u62a5\u544a\u7a0b\u5e8f\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>FINMA\uff1a<\/strong> \u745e\u58eb\u91d1\u878d\u5e02\u573a\u76d1\u7ba1\u5c40\uff0c\u8d1f\u8d23\u745e\u58eb\u7684\u91d1\u878d\u76d1\u7ba1\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6570\u5b57 KYC\uff1a<\/strong> \u4f7f\u7528\u81ea\u52a8\u5316\u6570\u5b57\u5de5\u5177\u548c\u5de5\u4f5c\u6d41\u7a0b\u6765\u5b8c\u6210\u8eab\u4efd\u9a8c\u8bc1\u548c\u5408\u89c4\u68c0\u67e5\uff0c\u4ee5\u53d6\u4ee3\u4eba\u5de5\u548c\u7eb8\u8d28\u6d41\u7a0b\u3002.<\/p>\n\n\n\n<h2 id=\"h-why-saas-onboarding-is-now-a-strategic-imperative-for-financial-institutions\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_SaaS_Onboarding_Is_Now_a_Strategic_Imperative_for_Financial_Institutions\"><\/span>\u4e3a\u4ec0\u4e48SaaS\u5ba2\u6237\u5f15\u5bfc\u73b0\u5728\u662f\u91d1\u878d\u673a\u6784\u7684\u6218\u7565\u5f53\u52a1\u4e4b\u6025<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-regulatory-pressure-is-intensifying\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulatory_Pressure_Is_Intensifying\"><\/span>\u76d1\u7ba1\u538b\u529b\u6b63\u5728\u52a0\u5267<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">2025\u81f32026\u5e74\u7684\u5408\u89c4\u73af\u5883\u6781\u5176\u4e25\u82db\u3002\u5168\u7403\u53cd\u6d17\u94b1\uff08AML\uff09\u548c\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff08KYC\uff09\u7f5a\u6b3e\u8fbe\u5230\u4e86 <strong>US$46\u4ebf\uff082024\u5e74\uff09<\/strong>. \u4ec52025\u5e74\u4e0a\u534a\u5e74\uff0c\u7f5a\u6b3e\u603b\u989d\u5c31\u8fbe\u5230$1.23\u4ebf\u7f8e\u5143\uff0c\u8fd9\u4e00 <strong>417% \u589e\u52a0<\/strong> \u4e0e2024\u5e74\u4e0a\u534a\u5e74\u76f8\u6bd4\uff0c\u4e3b\u8981\u53d7\u5317\u7f8e\u6267\u6cd5\u884c\u52a8\u548c\u6fc0\u589e\u7684\u5236\u88c1\u76f8\u5173\u7f5a\u6b3e\u9a71\u52a8\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b2c\u516d\u9879\u6b27\u76df\u53cd\u6d17\u94b1\u6307\u4ee4\uff08AMLD6\uff09\u6269\u5927\u4e86\u6d17\u94b1\u4e0a\u6e38\u72af\u7f6a\u7684\u8303\u56f4\uff0c\u5e76\u6536\u7d27\u4e86\u9488\u5bf9\u9ad8\u98ce\u9669\u5ba2\u6237\u7684\u5f3a\u5316\u5c3d\u804c\u8c03\u67e5\u8981\u6c42\u3002\u745e\u58eb\u91d1\u878d\u5e02\u573a\u76d1\u7763\u7ba1\u7406\u5c40\uff08FINMA\uff09\u7ee7\u7eed\u8981\u6c42\u91c7\u7528\u57fa\u4e8e\u98ce\u9669\u7684\u65b9\u6cd5\u4ee5\u53ca\u5168\u9762\u7684\u8d22\u5bcc\u6765\u6e90\u8bc1\u660e\u3002GDPR\u7684\u6570\u636e\u6700\u5c0f\u5316\u89c4\u5219\u53c8\u589e\u52a0\u4e86\u4e00\u5c42\u590d\u6742\u6027\uff0c\u7279\u522b\u662f\u5bf9\u4e8e\u670d\u52a1\u8de8\u56fd\u5ba2\u6237\u7684\u673a\u6784\u800c\u8a00\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4eba\u5de5\u5165\u9a7b\u6d41\u7a0b\u65e0\u6cd5\u59cb\u7ec8\u5982\u4e00\u5730\u6ee1\u8db3\u8fd9\u4e9b\u8981\u6c42\u3002\u4eba\u4e3a\u9519\u8bef\u3001\u4e0d\u4e00\u81f4\u7684\u6587\u6863\u5904\u7406\u4ee5\u53ca\u4e0d\u5b8c\u6574\u7684\u5ba1\u8ba1\u8ffd\u8e2a\u4f7f\u673a\u6784\u9762\u4e34\u5408\u89c4\u6267\u6cd5\u7684\u98ce\u9669\u3002SaaS\u5165\u9a7b\u5e73\u53f0\u5f3a\u5236\u6267\u884c\u5fc5\u4e0d\u53ef\u5c11\u7684\u5408\u89c4\u6b65\u9aa4\uff0c\u81ea\u52a8\u5316PEP\u548c\u5236\u88c1\u7b5b\u67e5\uff0c\u5e76\u751f\u6210\u76d1\u7ba1\u673a\u6784\u8981\u6c42\u7684\u4e0d\u53ef\u7be1\u6539\u7684\u5ba1\u8ba1\u8bb0\u5f55\u3002.<\/p>\n\n\n\n<h3 id=\"h-the-cost-of-manual-kyc-is-unsustainable\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Cost_of_Manual_KYC_Is_Unsustainable\"><\/span>\u4eba\u5de5 KYC \u7684\u6210\u672c\u9ad8\u6602\u5f97\u65e0\u6cd5\u6301\u7eed<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Fenergo\u7684\u7814\u7a76\u53d1\u73b0\uff0c\u8d85\u8fc7\u4e00\u534a\u7684\u4f01\u4e1a\u548c\u673a\u6784\u94f6\u884c\u5b8c\u6210\u4e00\u6b21\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08KYC\uff09\u7684\u8d39\u7528\u5728US$1,500\u81f3US$3,000\u4e4b\u95f4\u3002\u5bf9\u4e8e\u6bcf\u5e74\u65b0\u589e10,000\u540d\u5ba2\u6237\u7684\u94f6\u884c\u800c\u8a00\uff0c\u8fd9\u610f\u5473\u7740\u6700\u9ad8\u53ef\u8fbe <strong>US$\u4ec5\u5728\u201c\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\u201d\uff08KYC\uff09\u65b9\u9762\u6bcf\u5e74\u5c31\u82b1\u8d393500\u4e07<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.investglass.com\/zh\/%e5%a6%82%e4%bd%95%e8%87%aa%e5%8a%a8%e8%bf%9b%e8%a1%8c-kyc-%e9%aa%8c%e8%af%81-%e8%87%aa%e5%8a%a8%e5%bc%80%e5%8f%91%e6%b8%b8%e6%88%8f\/\" target=\"_self\">\u6570\u5b57\u5316KYC\u81ea\u52a8\u5316<\/a> KYC\/AML \u81ea\u52a8\u5316\u5c06\u4eba\u5de5\u5ba1\u6838\u65f6\u95f4\u51cf\u5c11\u4e86 <strong>40\u201350%<\/strong>, \uff0c\u800c\u300a\u54c8\u4f5b\u5546\u4e1a\u8bc4\u8bba\u300b\u7684\u7814\u7a76\u8868\u660e\uff0c\u94f6\u884c\u53ef\u4ee5\u5c06 KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u6210\u672c\u964d\u4f4e\u9ad8\u8fbe <strong>70% \u901a\u8fc7\u81ea\u52a8\u5316\u5b9e\u73b0<\/strong>. \u4e00\u5bb6\u6b27\u6d32\u6392\u540d\u524d25\u7684\u94f6\u884c\u5728\u5b9e\u65bd\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684KYC\uff08\u4e86\u89e3\u60a8\u7684\u5ba2\u6237\uff09\u5de5\u4f5c\u6d41\u7a0b\u540e\uff0c\u8282\u7701\u4e862800\u4e07\u6b27\u5143\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u9664\u4e86\u76f4\u63a5\u7684\u6210\u672c\u8282\u7ea6\u4e4b\u5916\uff0c\u5168\u6570\u5b57\u5316\u5165\u804c\u6d41\u7a0b\u8fd8\u5927\u7ea6\u589e\u52a0\u4e86 <strong>\u8f6c\u5316\u7387\u63d0\u9ad811\u4e2a\u767e\u5206\u70b9<\/strong>, \uff0c\u6839\u636e Shufti Pro \u7684\u5206\u6790\uff0c\u76f4\u63a5\u8f6c\u5316\u4e3a\u6536\u5165\u3002.<\/p>\n\n\n\n<h3 id=\"h-client-expectations-have-moved-beyond-email-and-pdfs\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Client_Expectations_Have_Moved_Beyond_Email_and_PDFs\"><\/span>\u5ba2\u6237\u7684\u671f\u671b\u5df2\u7ecf\u8d85\u8d8a\u4e86\u7535\u5b50\u90ae\u4ef6\u548cPDF<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u52302026\u5e74\uff0c\u9ad8\u51c0\u503c\u4e2a\u4eba\u3001\u673a\u6784\u6295\u8d44\u8005\u548c\u4f01\u4e1a\u94f6\u884c\u5ba2\u6237\u671f\u671b\u91d1\u878d\u673a\u6784\u80fd\u591f\u63d0\u4f9b\u4e0e\u9886\u5148\u6d88\u8d39\u7c7b\u5e94\u7528\u7a0b\u5e8f\u76f8\u540c\u7684\u6570\u5b57\u5316\u4f53\u9a8c\u3002\u5b89\u5168\u95e8\u6237\u3001\u5b9e\u65f6\u72b6\u6001\u66f4\u65b0\u3001\u652f\u6301\u79fb\u52a8\u7aef\u7684\u6587\u6863\u4e0a\u4f20\u4ee5\u53ca\u7535\u5b50\u7b7e\u540d\u73b0\u5728\u5df2\u6210\u4e3a\u57fa\u672c\u671f\u671b\uff0c\u800c\u4e0d\u518d\u662f\u9ad8\u7aef\u529f\u80fd\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d22\u5bcc\u7ba1\u7406\u5173\u7cfb\u901a\u5e38\u957f\u8fbe10\u523020\u5e74\u3002\u5165\u804c\u4f53\u9a8c\u4e3a\u6574\u6bb5\u5173\u7cfb\u5b9a\u4e0b\u4e86\u57fa\u8c03\u3002\u7ecf\u5386\u7f13\u6162\u3001\u8131\u8282\u4e14\u7e41\u7410\u7684\u7eb8\u8d28\u6d41\u7a0b\u7684\u5ba2\u6237\uff0c\u5176\u5efa\u7acb\u5173\u7cfb\u7684\u4fe1\u5fc3\u4ece\u4e00\u5f00\u59cb\u5c31\u4f1a\u53d7\u5230\u4fb5\u8680\uff0c\u65e0\u8bba\u4ed6\u4eec\u4e4b\u540e\u83b7\u5f97\u7684\u5efa\u8bae\u8d28\u91cf\u6709\u591a\u9ad8\u3002.<\/p>\n\n\n\n<h3 id=\"h-revenue-timing-depends-on-onboarding-speed\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Revenue_Timing_Depends_on_Onboarding_Speed\"><\/span>\u6536\u5165\u786e\u8ba4\u65f6\u95f4\u53d6\u51b3\u4e8e\u5165\u9a7b\u901f\u5ea6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u6295\u8d44\u7ba1\u7406\u4e2d\uff0c\u53ea\u6709\u5728\u5b8c\u6210\u5ba2\u6237\u5165\u9a7b\u540e\uff0c\u8d39\u7528\u8ba1\u63d0\u3001\u4ea4\u6613\u6267\u884c\u548c\u8d44\u4ea7\u7ba1\u7406\u89c4\u6a21\uff08AUM\uff09\u8bb0\u8d26\u624d\u80fd\u5f00\u59cb\u3002\u4eba\u5de5\u79c1\u4eba\u94f6\u884cKYC\u6d41\u7a0b\u53ef\u80fd\u9700\u898115\u81f320\u4e2a\u5de5\u4f5c\u65e5\u3002\u6570\u5b57\u5316\u5de5\u4f5c\u6d41\u7a0b\u5c06\u5176\u538b\u7f29\u81f32\u81f33\u5929\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5bf9\u4e8e\u6bcf\u5b63\u5ea6\u9700\u5904\u7406\u6570\u5341\u7b14\u65b0\u9ad8\u51c0\u503c\u5ba2\u6237\u5173\u7cfb\u7684\u8d22\u5bcc\u7ba1\u7406\u987e\u95ee\u800c\u8a00\uff0c\u8fd9\u4e00\u6d41\u7a0b\u538b\u7f29\u80fd\u76f4\u63a5\u63a8\u52a8\u6536\u5165\u786e\u8ba4\u3002\u7f29\u77ed\u5ba2\u6237\u5165\u804c\u5468\u671f\u53ef\u901a\u8fc7\u52a0\u901f\u8d39\u7528\u4ea7\u751f\uff0c\u5e76\u4f7f\u4ea4\u6613\u80fd\u5728\u540c\u4e00\u62a5\u544a\u5468\u671f\u5185\u66f4\u65e9\u6267\u884c\uff0c\u4ece\u800c\u63a8\u52a8\u7ba1\u7406\u8d44\u4ea7\u89c4\u6a21\uff08AUM\uff09\u589e\u957f15\u201325%\u3002.<\/p>\n\n\n\n<h2 id=\"h-the-real-cost-of-getting-onboarding-wrong\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Real_Cost_of_Getting_Onboarding_Wrong\"><\/span>\u505a\u9519\u65b0\u5458\u5de5\u5165\u804c\u57f9\u8bad\u7684\u771f\u6b63\u6210\u672c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2025\u5e74\u7684\u884c\u4e1a\u6570\u636e\u6bd4\u4ee5\u5f80\u4efb\u4f55\u65f6\u5019\u90fd\u66f4\u7cbe\u786e\u5730\u91cf\u5316\u4e86\u5165\u804c\u57f9\u8bad\u6548\u679c\u4e0d\u4f73\u7684\u540e\u679c\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>70%\u5bb6\u91d1\u878d\u673a\u6784\u6d41\u5931\u4e86\u5ba2\u6237<\/strong> \u7531\u4e8e\u8fc7\u53bb\u4e00\u5e74\u5165\u804c\u57f9\u8bad\u6548\u7387\u4f4e\u4e0b\uff08Fenergo\uff0c2025\u5e74\uff09<\/li>\n\n\n\n<li>\u82f1\u56fd\u4f01\u4e1a\u94f6\u884c\u62a5\u544a\u7684\u5e73\u5747\u5ba2\u6237\u5165\u9a7b\u65f6\u95f4\u4e3a <strong>\u516d\u5468\u4ee5\u4e0a<\/strong>, \uff0c\u5c5e\u4e8e\u5168\u7403\u6700\u6162\u4e4b\u5217<\/li>\n\n\n\n<li>\u884c\u4e1aSaaS\u57fa\u51c6\u6570\u636e\u663e\u793a\uff0c\u5e73\u5747\u6708\u6d41\u5931\u7387\u4e3a5\u20137%\uff0c\u800c\u7b80\u5316\u7684\u7528\u6237\u5165\u804c\u6d41\u7a0b\u53ef\u5c06\u6d41\u5931\u7387\u964d\u4f4e20\u201330%\u3002.<\/li>\n\n\n\n<li><strong>\u7b2c\u4e00\u5468\u670975%\u7528\u6237\u6d41\u5931<\/strong> \u4efb\u4f55SaaS\u4ea7\u54c1\uff0c\u5982\u679c\u4ed6\u4eec\u6ca1\u6709\u5728\u65e9\u671f\u4f53\u9a8c\u5230\u4ef7\u503c<\/li>\n\n\n\n<li>\u62e5\u6709\u5f3a\u5927\u5165\u804c\u57f9\u8bad\u6d41\u7a0b\u7684\u516c\u53f8\u7f29\u77ed\u4e86\u5ba2\u6237\u83b7\u53d6\u6210\u672c\uff08CAC\uff09\u56de\u6536\u671f <strong>20\u201330%<\/strong><\/li>\n\n\n\n<li>\u7cdf\u7cd5\u7684\u5165\u804c\u4f53\u9a8c\u53ef\u80fd\u4f1a\u5bfc\u81f4 <strong>\u524d90\u5929\u5185\u6700\u9ad8\u8fbe40%\u7684\u6d41\u5931\u7387<\/strong> \u5bf9\u4e8e\u91d1\u878d\u79d1\u6280\u516c\u53f8<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u8d22\u5bcc\u7ba1\u7406\u9886\u57df\uff0c\u7f13\u6162\u7684\u5ba2\u6237\u5165\u9a7b\u6d41\u7a0b\u8fd8\u4f1a\u4f7f\u5ba2\u6237\u51c0\u63a8\u8350\u503c\uff08NPS\uff09\u4e0b\u964d10\u81f320\u4e2a\u5206\u70b9\uff0c\u4ece\u800c\u76f4\u63a5\u5f71\u54cd\u8fd9\u4e2a\u4f9d\u8d56\u53e3\u7891\u63a8\u8350\u7684\u884c\u4e1a\u7684\u8f6c\u4ecb\u7ecd\u7387\u3002.<\/p>\n\n\n\n<h2 id=\"h-from-weeks-to-days-how-saas-onboarding-transforms-the-client-journey\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"From_Weeks_to_Days_How_SaaS_Onboarding_Transforms_the_Client_Journey\"><\/span>\u4ece\u51e0\u5468\u5230\u51e0\u5929\uff1aSaaS \u5ba2\u6237\u5f15\u5bfc\u5982\u4f55\u91cd\u5851\u5ba2\u6237\u65c5\u7a0b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-manual-onboarding-the-status-quo\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Manual_Onboarding_The_Status_Quo\"><\/span>\u4eba\u5de5\u5165\u804c\uff1a\u73b0\u72b6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8003\u8651\u4f7f\u7528\u4f20\u7edf\u6d41\u7a0b\u7684\u5178\u578b\u79c1\u4eba\u94f6\u884c\u5ba2\u6237\u5f00\u6237\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u901a\u8fc7\u7535\u5b50\u90ae\u4ef6\u53d1\u9001\u4ee5\u4f9b\u624b\u52a8\u586b\u5199\u7684 PDF \u8868\u5355<\/li>\n\n\n\n<li>\u5df2\u901a\u8fc7\u90ae\u5bc4\u6216\u5feb\u9012\u65b9\u5f0f\u5bc4\u51fa\u7684\u5b9e\u4f53\u8eab\u4efd\u8bc1\u4ef6<\/li>\n\n\n\n<li>\u4eba\u5de5PEP\u7b5b\u67e5\u548c\u5236\u88c1\u68c0\u67e5<\/li>\n\n\n\n<li>\u6253\u5370\u534f\u8bae\u4e0a\u7684\u624b\u7b7e<\/li>\n\n\n\n<li>\u91cd\u65b0\u5f55\u5165\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u7684\u6570\u636e<\/li>\n\n\n\n<li>\u65f6\u95f4\u8868\uff1a\u5982\u679c\u4e00\u5207\u987a\u5229\uff0c\u9700\u898115\u81f320\u4e2a\u5de5\u4f5c\u65e5<\/li>\n<\/ul>\n\n\n\n<h3 id=\"h-software-driven-onboarding-the-2026-standard\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Software-Driven_Onboarding_The_2026_Standard\"><\/span>\u8f6f\u4ef6\u9a71\u52a8\u7684\u65b0\u5458\u5de5\u5165\u804c\uff1a2026\u5e74\u6807\u51c6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f7f\u7528\u4e13\u95e8\u6784\u5efa\u7684\u5165\u804c\u8f6f\u4ef6\uff0c\u540c\u6837\u7684\u65c5\u7a0b\u5c06\u7115\u7136\u4e00\u65b0\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5ba2\u6237\u6536\u5230\u4e00\u4e2a\u5b89\u5168\u7684\u3001\u5e26\u6709\u54c1\u724c\u6807\u8bc6\u7684\u95e8\u6237\u94fe\u63a5<\/li>\n\n\n\n<li>\u5177\u6709\u6761\u4ef6\u903b\u8f91\u7684\u52a8\u6001 KYC \u8868\u5355\u53ef\u6839\u636e\u5ba2\u6237\u7684\u4e2a\u4eba\u8d44\u6599\u8fdb\u884c\u8c03\u6574<\/li>\n\n\n\n<li>\u76f4\u63a5\u5728\u95e8\u6237\u4e2d\u4e0a\u4f20\u7684\u6587\u6863<\/li>\n\n\n\n<li>\u81ea\u52a8\u5316 PEP \u548c\u5236\u88c1\u7b5b\u67e5\uff0c\u5177\u5907\u5b9e\u65f6\u98ce\u9669\u6807\u8bb0\u529f\u80fd<\/li>\n\n\n\n<li>\u7535\u5b50\u7b7e\u540d\u9002\u7528\u4e8e\u6240\u6709\u534f\u8bae<\/li>\n\n\n\n<li>\u5408\u89c4\u8def\u7531\u6839\u636e\u98ce\u9669\u8bc4\u5206\u81ea\u52a8\u89e6\u53d1<\/li>\n\n\n\n<li>\u65f6\u95f4\u8868\uff1a2-3 \u4e2a\u5de5\u4f5c\u65e5<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u79cd\u5dee\u5f02\u7edd\u975e\u5fae\u4e0d\u8db3\u9053\u3002KYC\/AML\u81ea\u52a8\u5316\u53ef\u5c06\u4eba\u5de5\u5ba1\u6838\u65f6\u95f4\u7f29\u77ed40\u201350%\uff0c\u800c\u91d1\u878d\u670d\u52a1\u7684\u6570\u5b57\u5316\u8f6c\u578b\u5219\u4f7f\u4f01\u4e1a\u6574\u4f53\u8fd0\u8425\u6210\u672c\u964d\u4f4e\u4e8615\u201325%\u3002.<\/p>\n\n\n\n<h3 id=\"h-side-by-side-comparison\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Side-by-Side_Comparison\"><\/span>\u5e76\u6392\u6bd4\u8f83<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u5904\u7406\u6b65\u9aa4<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u624b\u52a8\u65b9\u6cd5<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>SaaS\u5ba2\u6237\u5f15\u5bfc\u8f6f\u4ef6<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>KYC\u6570\u636e\u6536\u96c6<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u901a\u8fc7\u7535\u5b50\u90ae\u4ef6\u53d1\u9001\u7684 PDF \u8868\u5355<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5e26\u6709\u6761\u4ef6\u903b\u8f91\u7684\u52a8\u6001\u6570\u5b57\u8868\u5355<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u8eab\u4efd\u9a8c\u8bc1<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4eba\u5de5\u6587\u4ef6\u5ba1\u67e5<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5e26\u6709\u6d3b\u4f53\u68c0\u6d4b\u7684\u81ea\u52a8\u5316\u9a8c\u8bc1<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>PEP\/\u5236\u88c1\u7b5b\u67e5<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u624b\u52a8\u6570\u636e\u5e93\u68c0\u67e5<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5e26\u98ce\u9669\u6807\u8bb0\u7684\u5b9e\u65f6\u81ea\u52a8\u7b5b\u67e5<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7b7e\u540d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7eb8\u8d28\/\u624b\u5199\u7b7e\u540d<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u95e8\u6237\u7f51\u7ad9\u4e2d\u7684\u5177\u6709\u6cd5\u5f8b\u7ea6\u675f\u529b\u7684\u7535\u5b50\u7b7e\u540d<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6570\u636e\u5f55\u5165\u5230\u6838\u5fc3\u7cfb\u7edf<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u624b\u52a8\u91cd\u65b0\u8f93\u5165<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u96c6\u6210\u81ea\u52a8\u63a8\u9001\u6570\u636e<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5ba1\u8ba1\u8ddf\u8e2a<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u7535\u5b50\u90ae\u4ef6\u7ebf\u7a0b\u548c\u7eb8\u8d28\u6587\u4ef6<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4e0d\u53ef\u7be1\u6539\u7684\u5e26\u65f6\u95f4\u6233\u5408\u89c4\u65e5\u5fd7<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5178\u578b\u6301\u7eed\u65f6\u95f4<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>15\u201320 \u4e2a\u5de5\u4f5c\u65e5<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>2\u81f33\u4e2a\u5de5\u4f5c\u65e5<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-core-features-financial-institutions-must-require-in-2026\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Core_Features_Financial_Institutions_Must_Require_in_2026\"><\/span>\u91d1\u878d\u673a\u6784\u57282026\u5e74\u5fc5\u987b\u5177\u5907\u7684\u6838\u5fc3\u529f\u80fd<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e76\u975e\u6240\u6709SaaS\u7528\u6237\u5f15\u5bfc\u5e73\u53f0\u90fd\u80fd\u6ee1\u8db3\u53d7\u76d1\u7ba1\u91d1\u878d\u670d\u52a1\u884c\u4e1a\u5bf9\u590d\u6742\u6027\u548c\u5408\u89c4\u6027\u7684\u4e25\u82db\u8981\u6c42\u3002\u5728\u8bc4\u4f30\u89e3\u51b3\u65b9\u6848\u65f6\uff0c\u91d1\u878d\u673a\u6784\u5e94\u4f18\u5148\u8003\u8651\u4ee5\u4e0b\u529f\u80fd\u3002.<\/p>\n\n\n\n<h3 id=\"h-1-compliance-native-digital-kyc-workflows\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Compliance-Native_Digital_KYC_Workflows\"><\/span>1. \u539f\u751f\u5408\u89c4\u7684\u6570\u5b57KYC\u5de5\u4f5c\u6d41<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8be5\u5e73\u53f0\u5fc5\u987b\u652f\u6301\u5e26\u6709\u6761\u4ef6\u903b\u8f91\u7684\u52a8\u6001\u8868\u5355\uff0c\u80fd\u591f\u6839\u636e\u5ba2\u6237\u8d44\u6599\u3001\u7ba1\u8f96\u533a\u57df\u548c\u98ce\u9669\u8bc4\u5206\u8fdb\u884c\u52a8\u6001\u8c03\u6574\u3002\u8fd9\u5305\u62ec\u300a\u91d1\u878d\u5de5\u5177\u5e02\u573a\u6307\u4ee4II\u300b\uff08MiFID II\uff09\u7684\u9002\u5f53\u6027\u95ee\u5377\u3001FATCA\/CRS\u81ea\u6211\u8ba4\u8bc1\u3001\u53cd\u6d17\u94b1\uff08AML\uff09\u98ce\u9669\u8bc4\u5206\u3001\u653f\u6cbb\u654f\u611f\u4eba\u7269\uff08PEP\uff09\u548c\u5236\u88c1\u540d\u5355\u7b5b\u67e5\uff0c\u4ee5\u53ca\u4f01\u4e1a\u5ba2\u6237\u7684\u6700\u7ec8\u53d7\u76ca\u4eba\uff08UBO\uff09\u8bc6\u522b\u3002 \u968f\u7740\u4eba\u5de5\u667a\u80fd\u5728KYC\/AML\u9886\u57df\u7684\u5e94\u7528\u4ece2024\u5e74\u768442%\u6fc0\u589e\u81f32025\u5e74\u768482%\uff0c\u90a3\u4e9b\u672a\u914d\u5907 <a href=\"https:\/\/www.investglass.com\/zh\/%e6%b7%b1%e5%85%a5%e8%af%84%e8%bf%b0%e9%93%b6%e8%a1%8c%e7%9a%84%e4%ba%ba%e5%b7%a5%e6%99%ba%e8%83%bd%e4%bb%a3%e7%90%86\/\" target=\"_self\">AI\u8f85\u52a9\u98ce\u9669\u8bc4\u4f30\u548c\u667a\u80fd\u4f53AI\u80fd\u529b<\/a> \u5df2\u7ecf\u843d\u540e\u4e8e\u5e02\u573a\u6807\u51c6\u3002.<\/p>\n\n\n\n<h3 id=\"h-2-immutable-audit-trails\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Immutable_Audit_Trails\"><\/span>2. \u4e0d\u53ef\u7be1\u6539\u7684\u5ba1\u8ba1\u8ffd\u8e2a<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u76d1\u7ba1\u673a\u6784\u8981\u6c42\u63d0\u4f9b\u6e05\u6670\u3001\u5e26\u65f6\u95f4\u6233\u7684\u8bb0\u5f55\uff0c\u8bf4\u660e\u6bcf\u4e2a\u6b65\u9aa4\u7531\u8c01\u6279\u51c6\u3001\u4f55\u65f6\u6279\u51c6\u4ee5\u53ca\u57fa\u4e8e\u4ec0\u4e48\u4fe1\u606f\u3002\u5ba1\u8ba1\u8ffd\u8e2a\u5fc5\u987b\u662f\u4e0d\u53ef\u7be1\u6539\u7684\uff0c\u4e8b\u540e\u4e0d\u5f97\u4fee\u6539\uff0c\u5e76\u4e14\u5fc5\u987b\u6db5\u76d6\u5165\u9a7b\u6d41\u7a0b\u4e2d\u7684\u6bcf\u4e00\u4e2a\u6587\u6863\u4e0a\u4f20\u3001\u8868\u5355\u586b\u5199\u3001\u5ba1\u6279\u51b3\u7b56\u548c\u6c9f\u901a\u3002\u8fd9\u5bf9\u4e8e\u6ee1\u8db3 FINMA\u3001AMLD6 \u548c GDPR \u7684\u5408\u89c4\u8981\u6c42\u662f\u4e0d\u53ef\u59a5\u534f\u7684\u3002.<\/p>\n\n\n\n<h3 id=\"h-3-client-portal-with-self-service-capabilities\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Client_Portal_with_Self-Service_Capabilities\"><\/span>3. \u5177\u6709\u81ea\u52a9\u670d\u52a1\u529f\u80fd\u7684\u5ba2\u6237\u95e8\u6237<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u5e94\u5f53\u901a\u8fc7\u5b89\u5168\u94fe\u63a5\u548c\u591a\u56e0\u7d20\u8eab\u4efd\u9a8c\u8bc1\u8bbf\u95ee\u54c1\u724c\u4e13\u5c5e\u95e8\u6237\uff0c\u800c\u65e0\u9700\u521b\u5efa\u5b8c\u6574\u8d26\u6237\u3002\u8be5\u95e8\u6237\u5fc5\u987b\u652f\u6301\u6587\u6863\u4e0a\u4f20\u3001\u8fdb\u5ea6\u8ddf\u8e2a\u3001\u95e8\u6237\u5185\u6d88\u606f\u6536\u53d1\u4ee5\u53ca\u6cd5\u5f8b\u534f\u8bae\u7684\u7535\u5b50\u7b7e\u7f72\uff0c\u800c\u6700\u4f73\u7684\u5ba2\u6237\u5165\u9a7b\u5de5\u5177\u53ef\u5c06\u5165\u9a7b\u8d44\u6e90\u6574\u5408\u5230\u4e3a\u6bcf\u4f4d\u5ba2\u6237\u91cf\u8eab\u5b9a\u5236\u7684\u4e13\u5c5e\u95e8\u6237\u4e2d\u3002\u79fb\u52a8\u4f18\u5148\u7684\u8bbe\u8ba1\u81f3\u5173\u91cd\u8981\uff1b\u9ad8\u51c0\u503c\u4eba\u7fa4\uff08HNWI\uff09\u548c\u4f01\u4e1a\u5ba2\u6237\u671f\u671b\u80fd\u591f\u901a\u8fc7\u4efb\u4f55\u8bbe\u5907\u5b8c\u6210\u5165\u9a7b\u4efb\u52a1\u3002.<\/p>\n\n\n\n<h3 id=\"h-4-no-code-workflow-configuration\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_No-Code_Workflow_Configuration\"><\/span>4. \u65e0\u4ee3\u7801\u5de5\u4f5c\u6d41\u914d\u7f6e<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u6cd5\u89c4\u5728\u4e0d\u65ad\u53d8\u5316\u3002FINMA \u901a\u544a\u3001\u66f4\u65b0\u540e\u7684\u53cd\u6d17\u94b1\uff08AML\uff09\u6307\u4ee4\u4ee5\u53ca\u4fee\u8ba2\u540e\u7684\u9002\u5f53\u6027\u89c4\u5219\uff0c\u5c06\u8981\u6c42\u5728 2026 \u5e74\u53ca\u4ee5\u540e\u4e0d\u65ad\u8c03\u6574\u5de5\u4f5c\u6d41\u7a0b\u3002\u8fd0\u8425\u548c\u5408\u89c4\u56e2\u961f\u5fc5\u987b\u80fd\u591f\u4fee\u6539\u8868\u5355\u3001\u6dfb\u52a0\u5b57\u6bb5\u3001\u8c03\u6574\u98ce\u9669\u9608\u503c\u5e76\u66f4\u65b0\u5ba1\u6279\u903b\u8f91\uff0c\u800c\u65e0\u9700\u5f00\u53d1\u4eba\u5458\u8d44\u6e90\u6216\u4f9b\u5e94\u5546\u4e13\u4e1a\u670d\u52a1\u7684\u4ecb\u5165\u3002.<\/p>\n\n\n\n<h3 id=\"h-5-integrated-crm-and-lifecycle-management\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Integrated_CRM_and_Lifecycle_Management\"><\/span>5. \u96c6\u6210\u5f0f\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\u4e0e\u751f\u547d\u5468\u671f\u7ba1\u7406<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5165\u804c\u6570\u636e\u4e0d\u5e94\u5b64\u7acb\u5b58\u5728\u3002\u5ba2\u6237\u6863\u6848\u3001\u98ce\u9669\u5206\u7c7b\u3001\u8bb0\u5f55\u5728\u6848\u7684\u504f\u597d\u4ee5\u53ca\u5408\u89c4\u8bb0\u5f55\u5e94\u5f53\u76f4\u63a5\u6d41\u5165\u673a\u6784\u7684\u5ba2\u6237\u5173\u7cfb\u7ba1\u7406\uff08CRM\uff09\u7cfb\u7edf\uff0c\u4e3a\u968f\u540e\u7684\u6bcf\u4e00\u6b21\u4e92\u52a8\u3001\u5b9a\u671fKYC\u5ba1\u67e5\u3001\u9002\u5f53\u6027\u91cd\u65b0\u8bc4\u4f30\u3001\u6295\u8d44\u7ec4\u5408\u5ba1\u67e5\u4ee5\u53ca\u4ea4\u53c9\u9500\u552e\u5bf9\u8bdd\u63d0\u4f9b\u4fe1\u606f\u652f\u6301\u3002.<\/p>\n\n\n\n<h3 id=\"h-6-data-residency-and-security-controls\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Data_Residency_and_Security_Controls\"><\/span>6. \u6570\u636e\u9a7b\u7559\u4e0e\u5b89\u5168\u63a7\u5236<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u745e\u58eb\u548c\u6b27\u76df\u91d1\u878d\u673a\u6784\u9762\u4e34\u7740\u300a\u901a\u7528\u6570\u636e\u4fdd\u62a4\u6761\u4f8b\u300b\uff08GDPR\uff09\u53ca\u745e\u58eb\u94f6\u884c\u4fdd\u5bc6\u6cd5\u89c4\u5b9a\u7684\u6570\u636e\u672c\u5730\u5316\u8981\u6c42\u3002\u8be5\u5165\u9a7b\u5e73\u53f0\u5fc5\u987b\u63d0\u4f9b\u745e\u58eb\u6216\u6b27\u76df\u6570\u636e\u6258\u7ba1\u3001\u9759\u6001\u53ca\u4f20\u8f93\u52a0\u5bc6\u3001\u57fa\u4e8e\u89d2\u8272\u7684\u8bbf\u95ee\u63a7\u5236\uff0c\u5bf9\u4e8e\u6709\u4e25\u683c\u7f51\u7edc\u9694\u79bb\u8981\u6c42\u7684\u673a\u6784\uff0c\u6700\u597d\u8fd8\u5e94\u63d0\u4f9b\u672c\u5730\u90e8\u7f72\u9009\u9879\u3002.<\/p>\n\n\n\n<h3 id=\"h-7-analytics-and-onboarding-metrics\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_Analytics_and_Onboarding_Metrics\"><\/span>7. \u5206\u6790\u4e0e\u7528\u6237\u5f15\u5bfc\u6307\u6807<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u673a\u6784\u5e94\u8ddf\u8e2a\u5e73\u5747\u5165\u9a7b\u65f6\u957f\u3001\u6bcf\u4e2a\u6b65\u9aa4\u7684\u6d41\u5931\u7387\u3001KYC\u62d2\u7edd\u7387\u3001\u6bcf\u4e2a\u5ba2\u6237\u7684\u5f80\u8fd4\u4ea4\u4e92\u6b21\u6570\u4ee5\u53ca\u65b0\u5165\u9a7b\u5ba2\u6237\u7684\u7b2c\u4e00\u5e74\u6d41\u5931\u7387\uff0c\u5e76\u8f85\u4ee5\u5f3a\u5927\u7684\u5206\u6790\u548c\u5f3a\u5927\u7684\u62a5\u544a\u529f\u80fd\u3002\u8fd9\u4e9b\u6307\u6807\u80fd\u591f\u5b9e\u73b0\u6301\u7eed\u6539\u8fdb\u3001\u56e2\u961f\u548c\u5206\u652f\u673a\u6784\u4e4b\u95f4\u7684\u57fa\u51c6\u5bf9\u6bd4\uff0c\u4ee5\u53ca\u53ca\u65e9\u53d1\u73b0\u5408\u89c4\u6f0f\u6d1e\u3002\u884c\u4e3a\u5206\u6790\u548c\u5206\u6790\u6570\u636e\u5e94\u663e\u793a\u7528\u6237\u5982\u4f55\u4e0e\u5165\u9a7b\u6750\u6599\u8fdb\u884c\u4ea4\u4e92\uff0c\u4ee5\u4fbf\u56e2\u961f\u80fd\u591f\u8bc6\u522b\u7528\u6237\u884c\u4e3a\u6a21\u5f0f\u3001\u53d1\u73b0\u74f6\u9888\u5e76\u63d0\u9ad8\u5165\u9a7b\u6548\u7387\u3002\u5b8c\u6210\u7387\u662f\u6307\u5b8c\u6210SaaS\u5ba2\u6237\u5165\u9a7b\u8ba1\u5212\u7684\u65b0\u7528\u6237\u767e\u5206\u6bd4\uff0c\u5bf9\u7167\u5b8c\u6210\u7387\u548c\u5ba2\u6237\u6ee1\u610f\u5ea6\u5206\u6570\u7b49KPI\u8ddf\u8e2a\u5165\u9a7b\u8fdb\u5c55\u6709\u52a9\u4e8e\u968f\u65f6\u95f4\u63a8\u79fb\u6539\u8fdb\u6d41\u7a0b\u3002\u8f83\u5feb\u7684\u5b8c\u6210\u901f\u5ea6\u901a\u5e38\u662f\u4e00\u4e2a\u597d\u8ff9\u8c61\uff0c\u4f46\u5982\u679c\u901f\u5ea6\u8fc7\u5feb\uff0c\u5219\u53ef\u80fd\u8868\u660e\u7528\u6237\u53c2\u4e0e\u5ea6\u8584\u5f31\u3002\u65e5\u6d3b\u8dc3\u7528\u6237\u6570\u5e94\u968f\u7740\u65f6\u95f4\u7684\u63a8\u79fb\u7a33\u6b65\u4e0a\u5347\uff0c\u8fd9\u8868\u660e\u6d41\u7a0b\u8fd0\u4f5c\u826f\u597d\u3002.<\/p>\n\n\n\n<h3 id=\"h-8-core-system-integration\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Core_System_Integration\"><\/span>8. \u6838\u5fc3\u7cfb\u7edf\u96c6\u6210<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0e\u6838\u5fc3\u94f6\u884c\u7cfb\u7edf\u3001\u6295\u8d44\u7ec4\u5408\u7ba1\u7406\u5e73\u53f0\u3001\u6587\u6863\u7ba1\u7406\u7cfb\u7edf\u4ee5\u53ca\u7535\u5b50\u7b7e\u540d\u670d\u52a1\u63d0\u4f9b\u5546\u7684 REST API \u8fde\u63a5\u81f3\u5173\u91cd\u8981\u3002 \u5f00\u6237\u8fc7\u7a0b\u4e2d\u91c7\u96c6\u7684\u6570\u636e\u5e94\u81ea\u52a8\u63a8\u9001\u81f3\u4e0b\u6e38\u7cfb\u7edf\uff0c\u4ece\u800c\u907f\u514d\u91cd\u590d\u5f55\u5165\u53ca\u5176\u4f34\u968f\u7684\u9519\u8bef\u3002\u6839\u636e Vantage Point \u53d1\u5e03\u7684 2025\u20132026 \u5e74\u6570\u5b57\u5316\u8f6c\u578b\u5206\u6790\u62a5\u544a\uff0c\u81ea\u52a8\u5316\u76d1\u7ba1\u62a5\u544a\u53ef\u5c06\u5408\u89c4\u62a5\u544a\u9519\u8bef\u7387\u964d\u4f4e\u591a\u8fbe 90%\u3002.<\/p>\n\n\n\n<h2 id=\"h-financial-services-onboarding-in-practice-key-use-cases\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Financial_Services_Onboarding_in_Practice_Key_Use_Cases\"><\/span>\u5b9e\u8df5\u4e2d\u7684\u91d1\u878d\u670d\u52a1\u5ba2\u6237\u5165\u9a7b\uff1a\u5173\u952e\u7528\u4f8b<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-private-banking-and-wealth-management\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Private_Banking_and_Wealth_Management\"><\/span>\u79c1\u4eba\u94f6\u884c\u4e0e\u8d22\u5bcc\u7ba1\u7406<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u9ad8\u51c0\u503c\u5ba2\u6237\uff08HNWI\uff09\u7684\u5f00\u6237\u6d41\u7a0b\u5305\u62ec\u98ce\u9669\u8bc4\u4f30\u3001\u8d44\u4ea7\u6765\u6e90\u8bc1\u660e\u3001MiFID II \u9002\u5f53\u6027\u8bc4\u4f30\u3001\u6295\u8d44\u653f\u7b56\u58f0\u660e\u7684\u5236\u5b9a\u4ee5\u53ca\u6295\u8d44\u7ec4\u5408\u6388\u6743\u7684\u8bbe\u7acb\u3002\u6570\u5b57\u5316\u5de5\u4f5c\u6d41\u5c06\u8fd9\u4e00\u6d41\u7a0b\u4ece18\u5929\u4ee5\u4e0a\u538b\u7f29\u81f3\u4e0d\u5230\u4e00\u5468\u3002 \u65e5\u5185\u74e6\u67d0\u5bb6\u4e2d\u578b\u79c1\u4eba\u94f6\u884c\u4e8e2025\u5e74\u5bf9\u5f00\u6237\u6d41\u7a0b\u8fdb\u884c\u4e86\u73b0\u4ee3\u5316\u6539\u9020\uff0c\u5c06\u5e73\u5747\u5b8c\u6210\u65f6\u95f4\u4ece18\u5929\u7f29\u77ed\u81f35\u5929\uff0c\u5ba2\u6237\u7ecf\u7406\u7528\u4e8e\u884c\u653f\u8ddf\u8fdb\u7684\u65f6\u95f4\u51cf\u5c11\u4e8640%\u3002.<\/p>\n\n\n\n<h3 id=\"h-corporate-and-institutional-banking\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Corporate_and_Institutional_Banking\"><\/span>\u4f01\u4e1a\u4e0e\u673a\u6784\u94f6\u884c\u4e1a\u52a1<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f01\u4e1a\u5ba2\u6237\u5f15\u5165\u4e86\u590d\u6742\u7684\u53d7\u76ca\u6240\u6709\u4eba\uff08UBO\uff09\u7ed3\u6784\u3002\u5ba2\u6237\u5165\u9a7b\u5fc5\u987b\u83b7\u53d6\u6bcf\u4e2a\u53d7\u76ca\u6240\u6709\u4eba\u7684\u4fe1\u606f\u3001\u8bb0\u5f55\u6240\u6709\u6743\u6bd4\u4f8b\u3001\u9a8c\u8bc1\u6bcf\u4e2a\u53d7\u76ca\u6240\u6709\u4eba\u7684\u4e2a\u4eba\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff08KYC\uff09\u8eab\u4efd\u4fe1\u606f\uff0c\u5e76\u901a\u8fc7\u6ce8\u518c\u6587\u4ef6\u9a8c\u8bc1\u4f01\u4e1a\u5b9e\u4f53\u7684\u5408\u6cd5\u6027\u3002\u81ea\u52a8\u5316\u7684\u53d7\u76ca\u6240\u6709\u4eba\uff08UBO\uff09\u6620\u5c04\u548c\u6761\u4ef6\u8868\u5355\u903b\u8f91\u53ef\u5728\u4e0d\u589e\u52a0\u4eba\u5de5\u5f00\u9500\u7684\u60c5\u51b5\u4e0b\u5904\u7406\u8fd9\u79cd\u590d\u6742\u6027\u3002.<\/p>\n\n\n\n<h3 id=\"h-insurance\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Insurance\"><\/span>\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u5355\u751f\u6548\u9700\u8981\u5b8c\u6574\u7684\u4e8b\u5b9e\u8c03\u67e5\u6587\u4ef6\u3001\u6839\u636e\u4ea7\u54c1\u7c7b\u578b\u800c\u5b9a\u7684\u5065\u5eb7\u58f0\u660e\u6216\u8d22\u52a1\u62ab\u9732\u3001\u76d1\u7ba1\u9002\u5f53\u6027\u8bc4\u4f30\u4ee5\u53ca\u5ba2\u6237\u540c\u610f\u3002\u6570\u5b57\u5316\u5165\u9a7b\u6d41\u7a0b\u53ef\u786e\u4fdd\u6587\u4ef6\u5728\u751f\u6548\u524d\u5b8c\u6574\u65e0\u7f3a\uff0c\u4ece\u800c\u51cf\u5c11\u751f\u6548\u540e\u7684\u7ea0\u7eb7\u548c\u5408\u89c4\u98ce\u9669\u3002.<\/p>\n\n\n\n<h3 id=\"h-external-asset-managers-and-custodian-integration\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"External_Asset_Managers_and_Custodian_Integration\"><\/span>\u5916\u90e8\u8d44\u4ea7\u7ba1\u7406\u4eba\u4e0e\u6258\u7ba1\u673a\u6784\u96c6\u6210<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c06\u5916\u90e8\u8d44\u4ea7\u7ba1\u7406\u4eba\u6574\u5408\u5230\u6258\u7ba1\u5e73\u53f0\u9700\u8981\u7ed3\u6784\u5316\u6570\u636e\u4ea4\u6362\u3001\u5408\u89c4\u9a8c\u8bc1\u548c\u6301\u7eed\u7684\u62a5\u544a\u8bbf\u95ee\u6743\u9650\u3002\u8f6f\u4ef6\u9a71\u52a8\u7684\u5165\u9a7b\u6d41\u7a0b\u4e3a\u8fd9\u4e9b\u673a\u6784\u95f4\u5408\u4f5c\u5173\u7cfb\u5960\u5b9a\u4e86\u6240\u9700\u7684\u7ed3\u6784\u5316\u6570\u636e\u57fa\u7840\u3002.<\/p>\n\n\n\n<h2 id=\"h-best-practices-for-designing-a-compliant-onboarding-journey\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Best_Practices_for_Designing_a_Compliant_Onboarding_Journey\"><\/span>\u8bbe\u8ba1\u5408\u89c4\u7684\u5165\u804c\u6d41\u7a0b\u7684\u6700\u4f73\u5b9e\u8df5<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-segment-by-client-risk-and-complexity\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Segment_by_Client_Risk_and_Complexity\"><\/span>\u6309\u5ba2\u6237\u98ce\u9669\u4e0e\u590d\u6742\u5ea6\u7ec6\u5206<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5f00\u8bbe\u666e\u901a\u50a8\u84c4\u8d26\u6237\u7684\u745e\u58eb\u5c45\u6c11\uff0c\u4e0d\u5e94\u7ecf\u5386\u4e0e\u6d89\u53ca\u591a\u4e2a\u53f8\u6cd5\u7ba1\u8f96\u533a\u590d\u6742\u8d22\u5bcc\u7ed3\u6784\u7684\u8de8\u5883\u9ad8\u51c0\u503c\u4eba\u58eb\uff08HNWI\uff09\u76f8\u540c\u7684\u6d41\u7a0b\u3002\u57fa\u4e8e\u98ce\u9669\u7684\u7ec6\u5206\u5141\u8bb8\u673a\u6784\u5b9e\u65bd\u9002\u5f53\u7684\u5ba1\u67e5\uff0c\u800c\u4e0d\u4f1a\u7ed9\u4f4e\u98ce\u9669\u5ba2\u6237\u5e26\u6765\u4e0d\u6210\u6bd4\u4f8b\u7684\u963b\u788d\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5b9e\u9645\u64cd\u4f5c\u4e2d\uff1a\u4f4e\u98ce\u9669\u7684\u745e\u58eb\u5c45\u6c11\u901a\u8fc7\u7b80\u5316\u7684\u6d41\u7a0b\u5b8c\u6210\u57fa\u7840\u7684\u5ba2\u6237\u8eab\u4efd\u8bc6\u522b\uff08KYC\uff09\uff0c\u5e76\u57282\u81f33\u5929\u5185\u83b7\u5f97\u52a0\u6025\u5ba1\u6279\u3002\u5177\u6709\u653f\u6cbb\u516c\u4f17\u4eba\u7269\uff08PEP\uff09\u80cc\u666f\u6216\u590d\u6742\u8d22\u5bcc\u6765\u6e90\u60c5\u51b5\u7684\u9ad8\u98ce\u9669\u8de8\u5883\u5ba2\u6237\u5219\u9700\u9075\u5faa\u589e\u5f3a\u578b\u5c3d\u804c\u8c03\u67e5\u8def\u5f84\uff0c\u63d0\u4f9b\u989d\u5916\u6587\u4ef6\u5e76\u7ecf\u7531\u9ad8\u7ea7\u5408\u89c4\u5ba1\u6838\uff0c\u65f6\u95f4\u76f8\u5e94\u5ef6\u957f\u81f32\u81f33\u5468\u3002.<\/p>\n\n\n\n<h3 id=\"h-apply-progressive-disclosure-to-reduce-abandonment\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Apply_Progressive_Disclosure_to_Reduce_Abandonment\"><\/span>\u5e94\u7528\u6e10\u8fdb\u5f0f\u62ab\u9732\u4ee5\u51cf\u5c11\u6d41\u5931<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5e94\u6309\u987a\u5e8f\u5448\u73b0\u4fe1\u606f\uff0c\u800c\u4e0d\u662f\u4e00\u5f00\u59cb\u5c31\u5411\u5ba2\u6237\u503e\u6cfb\u6240\u6709\u8981\u6c42\uff0c\u4ee4\u5176\u5e94\u63a5\u4e0d\u6687\u3002\u5148\u4ece\u57fa\u672c\u4e2a\u4eba\u4fe1\u606f\u5f00\u59cb\uff0c\u63a5\u7740\u662f\u7a0e\u52a1\u5c45\u6c11\u8eab\u4efd\u8be6\u60c5\uff0c\u7136\u540e\u662f\u98ce\u9669\u95ee\u5377\u3002\u81ea\u52a8\u4fdd\u5b58\u8349\u7a3f\uff0c\u4ee5\u4fbf\u5ba2\u6237\u53ef\u4ee5\u6682\u505c\u5e76\u7a0d\u540e\u7ee7\u7eed\u3002 \u5229\u7528\u673a\u6784\u5df2\u6709\u7684 CRM \u6570\u636e\u9884\u586b\u8868\u683c\u3002\u8fd9\u4e9b\u7528\u6237\u4f53\u9a8c\u7684\u6539\u8fdb\u80fd\u76f4\u63a5\u964d\u4f4e\u653e\u5f03\u7387\u2014\u2014\u9274\u4e8e\u8fd1\u671f\u6709 68% \u7684\u6d88\u8d39\u8005\u56e0\u6d41\u7a0b\u8fc7\u4e8e\u7e41\u7410\u800c\u653e\u5f03\u4e86\u6570\u5b57\u5316\u5f00\u6237\uff0c\u8fd9\u4e00\u6539\u8fdb\u610f\u4e49\u91cd\u5927\u3002.<\/p>\n\n\n\n<h3 id=\"h-standardise-templates-while-preserving-adviser-personalisation\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Standardise_Templates_While_Preserving_Adviser_Personalisation\"><\/span>\u6807\u51c6\u5316\u6a21\u677f\uff0c\u540c\u65f6\u4fdd\u7559\u987e\u95ee\u4e2a\u6027\u5316<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5168\u884c\u7edf\u4e00\u7684\u6a21\u677f\u53ef\u786e\u4fdd\u6301\u7eed\u5f3a\u5236\u6267\u884c\u76d1\u7ba1\u5185\u5bb9\u3002\u9501\u5b9a\u6cd5\u5f8b\u62ab\u9732\u3001\u76d1\u7ba1\u95ee\u5377\u548c\u5408\u89c4\u786e\u8ba4\u3002\u4e3a\u987e\u95ee\u6279\u6ce8\u548c\u4e2a\u6027\u5316\u5efa\u8bae\u7559\u51fa\u7a7a\u95f4\u3002\u8fd9\u79cd\u65b9\u6cd5\u6d88\u9664\u4e86\u56e0\u6d41\u7a0b\u4e0d\u4e00\u81f4\u5e26\u6765\u7684\u5408\u89c4\u98ce\u9669\uff0c\u540c\u65f6\u4fdd\u7559\u4e86\u5f70\u663e\u4f18\u8d28\u91d1\u878d\u670d\u52a1\u7279\u8272\u7684\u4eba\u60c5\u5473\u3002.<\/p>\n\n\n\n<h3 id=\"h-involve-compliance-at-design-stage-not-as-a-final-gate\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Involve_Compliance_at_Design_Stage_Not_as_a_Final_Gate\"><\/span>\u5728\u8bbe\u8ba1\u9636\u6bb5\u5f15\u5165\u5408\u89c4\u6027\uff0c\u800c\u975e\u4f5c\u4e3a\u6700\u540e\u5173\u5361<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4ec5\u5728\u6700\u7ec8\u5ba1\u6279\u9636\u6bb5\u624d\u5ba1\u67e5\u5de5\u4f5c\u6d41\u7a0b\u7684\u5408\u89c4\u5b98\u4f1a\u9020\u6210\u74f6\u9888\u3002\u8ba9\u5408\u89c4\u56e2\u961f\u53c2\u4e0e\u65c5\u7a0b\u8bbe\u8ba1\uff0c\u53ef\u786e\u4fdd\u4ece\u4e00\u5f00\u59cb\u5c31\u6b63\u786e\u5d4c\u5165\u5f3a\u5236\u6027\u6b65\u9aa4\u3001\u5ba1\u6279\u903b\u8f91\u53cd\u6620\u5f53\u524d\u7684\u76d1\u7ba1\u8981\u6c42\uff0c\u5e76\u4e14\u5ba1\u8ba1\u8ffd\u8e2a\u67b6\u6784\u7b26\u5408\u68c0\u67e5\u6807\u51c6\u3002.<\/p>\n\n\n\n<h3 id=\"h-measure-review-and-refine-quarterly\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Measure_Review_and_Refine_Quarterly\"><\/span>\u6309\u5b63\u5ea6\u8861\u91cf\u3001\u5ba1\u67e5\u4e0e\u6539\u8fdb<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8ddf\u8e2a\u5e73\u5747\u5165\u9a7b\u65f6\u957f\u3001\u6d41\u5931\u7387\u3001KYC\u62d2\u7edd\u7387\u3001\u5ba2\u6237\u53c2\u4e0e\u5ea6\u548c\u9996\u5e74\u6d41\u5931\u7387\uff0c\u4ee5\u8bc4\u4f30\u6838\u5fc3\u529f\u80fd\u548c\u6574\u4f53\u5ba2\u6237\u6ee1\u610f\u5ea6\u3002\u4e0e\u8fd0\u8425\u3001\u5408\u89c4\u548c\u524d\u53f0\u5229\u76ca\u76f8\u5173\u8005\u8fdb\u884c\u5b63\u5ea6\u5ba1\u67e5\u3002\u5982\u679c\u67d0\u4e2a\u7279\u5b9a\u7684\u8868\u5355\u6b65\u9aa4\u5728\u6240\u6709\u5ba2\u6237\u7ec6\u5206\u4e2d\u90fd\u8868\u73b0\u51fa\u9ad8\u6d41\u5931\u7387\uff0c\u5219\u8be5\u8868\u5355\u5f88\u53ef\u80fd\u9700\u8981\u91cd\u65b0\u8bbe\u8ba1\uff0c\u800c\u4e0d\u662f\u5bf9\u5ba2\u6237\u8fdb\u884c\u91cd\u65b0\u6559\u80b2\u3002\u5ba2\u6237\u5728\u5165\u9a7b\u671f\u95f4\u7684\u53c2\u4e0e\u5ea6\u662f\u7eed\u7ea6\u6f5c\u529b\u7684\u5f3a\u70c8\u4fe1\u53f7\uff0c\u5e94\u636e\u6b64\u8c03\u6574\u540e\u7eed\u8ddf\u8fdb\u4ee5\u63d0\u5347\u5ba2\u6237\u6ee1\u610f\u5ea6\u3002\u5b9a\u671f\u7684\u6c9f\u901a\u548c\u540e\u7eed\u90ae\u4ef6\u6709\u52a9\u4e8e\u786e\u8ba4\u5ba2\u6237\u6b63\u5728\u83b7\u5f97\u4ef7\u503c\u3002\u63a5\u53d7\u8fc7\u826f\u597d\u6559\u80b2\u7684\u5ba2\u6237\u5f80\u5f80\u4f1a\u51cf\u5c11\u63d0\u4ea4\u652f\u6301\u5de5\u5355\u7684\u6570\u91cf\uff0c\u8fd9\u53ef\u4ee5\u63d0\u9ad8\u6574\u4f53\u5ba2\u6237\u6ee1\u610f\u5ea6\u3002.<\/p>\n\n\n\n<h2 id=\"h-evaluating-and-selecting-a-saas-onboarding-platform\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluating_and_Selecting_a_SaaS_Onboarding_Platform\"><\/span>\u8bc4\u4f30\u4e0e\u9009\u62e9 SaaS \u5ba2\u6237\u63a5\u5165\u5e73\u53f0<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e3a\u53d7\u76d1\u7ba1\u7684\u91d1\u878d\u673a\u6784\u9009\u62e9\u5165\u804c\u5e73\u53f0\u9700\u8981\u540c\u65f6\u5bf9\u591a\u4e2a\u7ef4\u5ea6\u8fdb\u884c\u8bc4\u4f30\u3002\u8bc4\u4f30\u8fc7\u7a0b\u5e94\u4ece\u4e00\u5f00\u59cb\u5c31\u7eb3\u4eba\u5408\u89c4\u3001IT\u5b89\u5168\u3001\u8fd0\u8425\u548c\u524d\u53f0\u4e1a\u52a1\u5229\u76ca\u76f8\u5173\u8005\u3002.<\/p>\n\n\n\n<h3 id=\"h-evaluation-framework\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Evaluation_Framework\"><\/span>\u8bc4\u4f30\u6846\u67b6<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u5c3a\u5bf8<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u5173\u952e\u95ee\u9898<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6cd5\u89c4\u5951\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8be5\u5e73\u53f0\u662f\u5426\u539f\u751f\u652f\u6301 FINMA\u3001GDPR\u3001AMLD6 \u548c MiFID II\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6570\u636e\u9a7b\u7559<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u6570\u636e\u53ef\u4ee5\u6258\u7ba1\u5728\u745e\u58eb\u3001\u6b27\u76df\u6216\u672c\u5730\u90e8\u7f72\uff08on-premise\uff09\u5417\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u53ef\u914d\u7f6e\u6027<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5408\u89c4\u56e2\u961f\u662f\u5426\u53ef\u4ee5\u5728\u6ca1\u6709\u5f00\u53d1\u4eba\u5458\u652f\u6301\u7684\u60c5\u51b5\u4e0b\u4fee\u6539\u5de5\u4f5c\u6d41\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5ba2\u6237\u4f53\u9a8c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8be5\u95e8\u6237\u7f51\u7ad9\u662f\u5426\u7b26\u5408\u9ad8\u51c0\u503c\u5ba2\u6237\u548c\u673a\u6784\u5ba2\u6237\u7684\u671f\u671b\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u6574\u5408\u6df1\u5ea6<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u4ec0\u4e48API\u8fde\u63a5\u6838\u5fc3\u94f6\u884c\u3001\u6295\u8d44\u7ec4\u5408\u7ba1\u7406\u548c\u6587\u6863\u7ba1\u7406\u7cfb\u7edf\uff08DMS\uff09\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5b89\u5168\u8ba4\u8bc1<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>SOC 2 \u548c ISO 27001 \u6709\u5ba1\u8ba1\u62a5\u544a\u5417\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u4eba\u5de5\u667a\u80fd\u80fd\u529b<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8be5\u5e73\u53f0\u662f\u5426\u63d0\u4f9b\u4eba\u5de5\u667a\u80fd\u8f85\u52a9\u7684\u98ce\u9669\u8bc4\u5206\u3001\u6587\u6863\u5206\u7c7b\u548c\u6700\u4f73\u4e0b\u4e00\u6b65\u884c\u52a8\u63a8\u8350\uff1f<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u603b\u62e5\u6709\u6210\u672c<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u8bb8\u53ef\u3001\u5b9e\u65bd\u3001\u96c6\u6210\u548c\u652f\u6301\u7684\u5b9e\u9645\u6210\u672c\u662f\u591a\u5c11\uff1f<\/p><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 id=\"h-implementation-timeline-expectations\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Implementation_Timeline_Expectations\"><\/span>\u5b9e\u65bd\u65f6\u95f4\u8868\u9884\u671f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><th colspan=\"1\" rowspan=\"1\"><p>\u9636\u6bb5<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u6301\u7eed\u65f6\u95f4<\/p><\/th><th colspan=\"1\" rowspan=\"1\"><p>\u8303\u56f4<\/p><\/th><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7b2c 1 \u9636\u6bb5\uff1aMVP<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>8\u201312\u5468<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u6570\u5b57\u5165\u9a7b\u8868\u5355\u3001\u5ba2\u6237\u95e8\u6237\u3001\u6838\u5fc3KYC\u5de5\u4f5c\u6d41<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7b2c 2 \u9636\u6bb5\uff1a\u6574\u5408<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3-6 \u4e2a\u6708<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u6838\u5fc3\u94f6\u884c\u8fde\u63a5\uff0cDMS\uff0c\u7535\u5b50\u7b7e\u540d\uff0c\u6295\u8d44\u7ec4\u5408\u7ba1\u7406<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u7b2c 3 \u9636\u6bb5\uff1a\u6269\u5c55<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>3-6 \u4e2a\u6708<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><p>\u5176\u4ed6\u5ba2\u6237\u7ec6\u5206\u3001\u533a\u57df\u3001CRM\u548c\u751f\u547d\u5468\u671f\u6a21\u5757<\/p><\/td><\/tr><tr><td colspan=\"1\" rowspan=\"1\"><p>\u5206\u9636\u6bb5\u5b9e\u65bd\u53ef\u63a7\u5236\u98ce\u9669\u3001\u5efa\u7acb\u5185\u90e8\u4e13\u4e1a\u80fd\u529b\uff0c\u5e76\u521b\u9020\u652f\u6301\u6301\u7eed\u6295\u8d44\u7684\u65e9\u671f\u6210\u679c\u3002\u8bb8\u591a\u673a\u6784\u5728\u6269\u5c55\u81f3\u8de8\u5883\u6216\u673a\u6784\u5ba2\u6237\u7c7b\u578b\u4e4b\u524d\uff0c\u5f80\u5f80\u4ece\u5355\u4e00\u5e02\u573a\u7ec6\u5206\u9886\u57df\uff08\u5982\u745e\u58eb\u5883\u5185\u79c1\u4eba\u5ba2\u6237\u6216\u7279\u5b9a\u4ea7\u54c1\u7ebf\uff09\u5f00\u59cb\u5207\u5165\u3002.<\/p><\/td><td colspan=\"1\" rowspan=\"1\"><\/td><td colspan=\"1\" rowspan=\"1\"><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 id=\"h-the-role-of-ai-in-next-generation-onboarding\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"The_Role_of_AI_in_Next-Generation_Onboarding\"><\/span>\u4eba\u5de5\u667a\u80fd\u5728\u4e0b\u4e00\u4ee3\u5458\u5de5\u5165\u804c\u57f9\u8bad\u4e2d\u7684\u4f5c\u7528<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u5ba2\u6237\u5c3d\u804c\u8c03\u67e5\uff08KYC\uff09\u548c\u53cd\u6d17\u94b1\uff08AML\uff09\u5de5\u4f5c\u6d41\u7a0b\u4e2d\uff0c\u5148\u8fdb\u4eba\u5de5\u667a\u80fd\u6280\u672f\u7684\u91c7\u7528\u91cf\u4ece2024\u5e74\u768442%\u6fc0\u589e\u81f32025\u5e74\u768482%\u3002\u5f15\u9886\u8fd9\u4e00\u8d8b\u52bf\u7684\u673a\u6784\u6b63\u5728\u5ba2\u6237\u5165\u804c\u6d41\u7a0b\u7684\u591a\u4e2a\u73af\u8282\u90e8\u7f72\u4eba\u5de5\u667a\u80fd\u6280\u672f\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u98ce\u9669\u8bc4\u5206\uff1a<\/strong> AI \u6a21\u578b\u6839\u636e\u5730\u7406\u3001\u884c\u4e3a\u548c\u8d22\u52a1\u6307\u6807\u52a8\u6001\u8bc4\u4f30\u5ba2\u6237\u98ce\u9669\u753b\u50cf\uff0c\u5bf9\u6848\u4ef6\u8fdb\u884c\u9002\u5f53\u5206\u6d41\uff0c\u65e0\u9700\u4eba\u5de5\u521d\u5ba1<\/li>\n\n\n\n<li><strong>\u6587\u6863\u5206\u7c7b\uff1a<\/strong> \u8eab\u4efd\u8bc1\u4ef6\u3001\u516c\u53f8\u6863\u6848\u548c\u8d22\u5bcc\u6765\u6e90\u6587\u4ef6\u7684\u81ea\u52a8\u8bc6\u522b\u4e0e\u5206\u7c7b\u51cf\u5c11\u4e86\u4eba\u5de5\u5ba1\u6838\u8d1f\u62c5<\/li>\n\n\n\n<li><strong>\u5408\u6210\u8eab\u4efd\u6b3a\u8bc8\u68c0\u6d4b\uff1a<\/strong> 2024\u5e74\uff0c\u7f8e\u56fd\u8d37\u6b3e\u673a\u6784\u7684\u5408\u6210\u8eab\u4efd\u98ce\u9669\u655e\u53e3\u540c\u6bd4\u4e0a\u5347\u4e8618%\uff0c\u8fd9\u4f7f\u5f97\u57fa\u4e8e\u4eba\u5de5\u667a\u80fd\u7684\u6b3a\u8bc8\u68c0\u6d4b\u6210\u4e3a\u5ba2\u6237\u5165\u6237\u6d41\u7a0b\u4e2d\u65e5\u76ca\u5173\u952e\u7684\u4e00\u73af<\/li>\n\n\n\n<li><strong>\u9002\u7528\u6027\u8bf4\u660e\u751f\u6210\uff1a<\/strong> \u6839\u636e\u95ee\u5377\u56de\u7b54\u751f\u6210\u7684\u521d\u7a3f\u9002\u5b9c\u6027\u8bc4\u4f30\u51cf\u5c11\u4e86\u987e\u95ee\u7528\u4e8e\u6587\u6863\u8bb0\u5f55\u7684\u65f6\u95f4<\/li>\n\n\n\n<li><strong>\u4e0b\u4e00\u6b65\u6700\u4f73\u884c\u52a8\u6307\u5bfc\uff1a<\/strong> AI \u5efa\u8bae\u6839\u636e\u5ba2\u6237\u6d3b\u52a8\u548c\u6295\u8d44\u7ec4\u5408\u6570\u636e\uff0c\u5f15\u5bfc\u5ba2\u6237\u7ecf\u7406\u8fdb\u884c\u9002\u5f53\u7684\u8ddf\u8fdb<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ef4\u6301\u5927\u91cf\u4eba\u5de5\u6d41\u7a0b\u7684\u673a\u6784\u5df2\u7ecf\u5904\u4e8e\u7ed3\u6784\u6027\u52a3\u52bf\u3002\u5373\u4f7f\u662f\u5b9e\u73b0\u5b9a\u671fKYC\uff08\u4e86\u89e3\u4f60\u7684\u5ba2\u6237\uff09\u5ba1\u67e5\u7684\u81ea\u52a8\u5316\u2014\u2014\u76ee\u524d\u8be5\u7c7b\u5ba1\u67e5\u5728\u5168\u884c\u4e1a\u5e73\u5747\u7ea6\u5360\u4e09\u5206\u4e4b\u4e00\u2014\u2014\u5f53\u5176\u5728\u6570\u5343\u4e2a\u5ba2\u6237\u5173\u7cfb\u4e2d\u89c4\u6a21\u5316\u5e94\u7528\u65f6\uff0c\u4e5f\u80fd\u5e26\u6765\u663e\u8457\u7684\u8fd0\u8425\u6210\u672c\u8282\u7ea6\u3002.<\/p>\n\n\n\n<h2 id=\"h-measuring-onboarding-success-the-metrics-that-matter\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Measuring_Onboarding_Success_The_Metrics_That_Matter\"><\/span>\u8861\u91cf\u5165\u804c\u6210\u529f\u7387\uff1a\u81f3\u5173\u91cd\u8981\u7684\u6307\u6807<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u6709\u6548\u7684\u8861\u91cf\u6807\u51c6\u53ef\u4ee5\u5c06\u5165\u804c\u57f9\u8bad\u4ece\u4e00\u4e2a\u8fd0\u8425\u6210\u672c\u4e2d\u5fc3\u8f6c\u53d8\u4e3a\u4fc3\u8fdb\u5ba2\u6237\u7559\u5b58\u548c\u6536\u5165\u589e\u957f\u7684\u6218\u7565\u6760\u6746\u3002\u9700\u8981\u8ffd\u8e2a\u7684\u5173\u952e\u6307\u6807\u5305\u62ec\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5e73\u5747\u5165\u804c\u57f9\u8bad\u65f6\u957f<\/strong> \u4e0e\u60a8\u7684\u884c\u4e1a\u7ec6\u5206\u8fdb\u884c\u57fa\u51c6\u5bf9\u6bd4<\/li>\n\n\n\n<li><strong>\u6309\u65c5\u7a0b\u9636\u6bb5\u7684\u5b8c\u6210\u7387<\/strong> \u8bc6\u522b\u5ba2\u6237\u6d41\u5931\u7684\u73af\u8282<\/li>\n\n\n\n<li><strong>\u5165\u804c\u6e05\u5355<\/strong> \u5e94\u7528\u5185\u63d0\u793a\u7684\u6570\u636e\u53ef\u4ee5\u63d0\u9ad8\u5173\u952e\u6b65\u9aa4\u7684\u5b8c\u6210\u7387\u5e76\u63d0\u4f9b\u652f\u6301 <strong>\u4ea7\u54c1\u91c7\u7eb3<\/strong><\/li>\n\n\n\n<li><strong>KYC \u62d2\u7edd\u7387<\/strong> \uff1a\u8868\u793a\u8868\u5355\u6e05\u6670\u5ea6\u548c\u5ba2\u6237\u6c9f\u901a\u6548\u679c<\/li>\n\n\n\n<li><strong>\u6bcf\u4e2a\u5ba2\u6237\u7684\u6765\u56de\u4e92\u52a8\u6b21\u6570<\/strong> : \u8861\u91cf\u6d41\u7a0b\u6469\u64e6<\/li>\n\n\n\n<li><strong>\u9996\u6b21\u4ef7\u503c\u5b9e\u73b0\u65f6\u95f4<\/strong> \u7b7e\u7f72\u5408\u540c\u81f3\u9996\u6b21\u4ea4\u6613\u3001\u4fdd\u5355\u751f\u6548\u6216\u8d39\u7528\u8ba1\u63d0\u7684\u5929\u6570<\/li>\n\n\n\n<li><strong>\u65b0\u5165\u804c\u5ba2\u6237\u7684\u7b2c\u4e00\u5e74\u6d41\u5931\u7387<\/strong> \u5165\u804c\u57f9\u8bad\u8d28\u91cf\u7684\u7ec8\u6781\u8861\u91cf\u6807\u51c6<\/li>\n\n\n\n<li><strong>\u5b8c\u6210\u5165\u804c\u57f9\u8bad\u65f6\u7684 NPS \u8bc4\u5206<\/strong> \u957f\u671f\u7559\u5b58\u7684\u65e9\u671f\u4fe1\u53f7<\/li>\n\n\n\n<li><strong>Compliance incident rate<\/strong> : tracks how often mandatory steps are missed or completed incorrectly<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Institutions using structured onboarding software report first-year churn reductions of 5\u201310% : meaningful improvements in a business where a single wealth management relationship may generate fees across two decades.<\/p>\n\n\n\n<h2 id=\"h-frequently-asked-questions\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>\u5e38\u89c1\u95ee\u9898<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 id=\"h-what-is-the-difference-between-saas-customer-onboarding-and-digital-kyc\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_SaaS_customer_onboarding_and_digital_KYC\"><\/span>SaaS \u5ba2\u6237\u5165\u804c\u4e0e\u6570\u5b57 KYC \u6709\u4ec0\u4e48\u533a\u522b\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Digital KYC forms a key part of the broader onboarding process, concentrating on identity verification, risk evaluation, and regulatory compliance requirements. Customer onboarding encompasses the entire process from contract signature to first measurable value, including KYC, but also product setup, portfolio opening, suitability documentation, legal agreement execution, and relationship establishment. Financial institutions need both, and the most effective platforms integrate them into a single, uninterrupted client journey.<\/p>\n\n\n\n<h3 id=\"h-how-does-saas-onboarding-software-reduce-regulatory-risk\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_SaaS_onboarding_software_reduce_regulatory_risk\"><\/span>SaaS \u5165\u95e8\u8f6f\u4ef6\u5982\u4f55\u964d\u4f4e\u5408\u89c4\u98ce\u9669\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">By automating mandatory compliance steps, PEP screening, sanctions checks, source-of-wealth collection, UBO identification, the software eliminates the inconsistency that creates regulatory exposure. When a predefined risk threshold is crossed, cases route automatically to compliance review before proceeding. Immutable audit trails record every action for regulatory inspection. Standardised workflows ensure mandatory steps cannot be skipped. Institutions implementing these controls report reductions in non-compliance incidents of up to 70%.<\/p>\n\n\n\n<h3 id=\"h-can-onboarding-software-support-both-high-touch-hnwi-and-self-serve-retail-clients\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Can_onboarding_software_support_both_high-touch_HNWI_and_self-serve_retail_clients\"><\/span>\u5165\u804c\u8f6f\u4ef6\u80fd\u5426\u540c\u65f6\u652f\u6301\u9ad8\u51c0\u503c\uff08HNWI\uff09\u5ba2\u6237\u7684\u9ad8\u63a5\u89e6\u670d\u52a1\u548c\u81ea\u4e3b\u670d\u52a1\u7684\u96f6\u552e\u5ba2\u6237\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes, and this flexibility is critical for institutions serving multiple segments. HNWI and corporate relationships warrant guided portal sessions with direct RM involvement. Retail or mass affluent clients can proceed through more automated journeys with minimal human intervention, escalating to advisers only when required. automated workflows help keep the onboarding journey consistent from the initial welcome through later training steps. Interactive onboarding experiences also improve knowledge retention by letting clients apply what they learn hands-on. A single platform should configure different workflows, approval depths, and portal experiences for each segment without requiring separate systems.<\/p>\n\n\n\n<h3 id=\"h-what-are-realistic-implementation-timelines\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_are_realistic_implementation_timelines\"><\/span>\u5207\u5b9e\u53ef\u884c\u7684\u5b9e\u65bd\u65f6\u95f4\u8868\u662f\u4ec0\u4e48\u6837\u7684\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A focused digital onboarding MVP, including forms, KYC workflows, and a client portal, can typically be deployed within 8\u201312 weeks. Broader deployments including core banking integration, portfolio management connections, and multi-region rollout extend to 3\u20139 months depending on integration complexity. Phased approaches starting with one segment or product line are common and recommended.<\/p>\n\n\n\n<h3 id=\"h-how-does-onboarding-software-reduce-client-churn-in-wealth-management\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_does_onboarding_software_reduce_client_churn_in_wealth_management\"><\/span>\u5ba2\u6237\u5165\u9a7b\u8f6f\u4ef6\u5982\u4f55\u51cf\u5c11\u8d22\u5bcc\u7ba1\u7406\u9886\u57df\u7684\u5ba2\u6237\u6d41\u5931\uff1f<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The onboarding experience directly shapes a client&#8217;s initial perception of their institution&#8217;s competence and care. Transparent progress tracking, automated reminders, minimal friction, and professional portal presentation build confidence. Beyond the onboarding period, structured data captured during onboarding enables more personalised ongoing service, cross-selling recommendations, tailored portfolio reviews, and timely relationship outreach, all of which contribute to long-term retention in relationships measured in decades rather than years.<\/p>\n\n\n\n<h2 id=\"h-conclusion-the-window-for-modernisation-is-now\" class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion_The_Window_for_Modernisation_Is_Now\"><\/span>\u7ed3\u8bba\uff1a\u73b0\u4ee3\u5316\u7684\u7a97\u53e3\u673a\u4e0d\u53ef\u5931<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In 2026, mounting regulatory and market pressures are making onboarding modernisation an operational necessity for financial institutions, rather than a purely strategic initiative. AMLD6 enhanced due diligence requirements are live. FINMA scrutiny of client identification practices continues to intensify. Global KYC fines in the first half of 2025 alone totalled over US$1.2 billion. Meanwhile, 70% of institutions are already losing clients to inefficient onboarding processes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SaaS customer onboarding software addresses all of these pressures simultaneously, compressing onboarding from weeks to days, enforcing compliance automatically, generating the audit trails regulators require, and delivering the digital client experience that HNWI and institutional clients now expect as a baseline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The institutions that modernise onboarding now will capture faster revenue recognition, materially lower compliance risk, and stronger client relationships from day one. Those that continue with email attachments, PDF forms, and spreadsheet tracking will face not only competitive disadvantage, but growing regulatory exposure in an enforcement environment that shows no sign of easing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The practical next step is a workflow audit: map your current onboarding process against the capabilities described in this guide, identify the highest-friction points and compliance gaps, and define the software requirements that address them. Involve compliance, IT, and front-office stakeholders from the beginning. Start with a pilot segment. Measure the results. Expand from a position of demonstrated value.<\/p>","protected":false},"excerpt":{"rendered":"<p>The numbers are alarming. In 2025, 70% of financial institutions lost clients due to inefficient onboarding, up from 48% just two years earlier, according to Fenergo&#8217;s global survey of 600 senior decision-makers across banks, asset managers, and fund administrators. Average onboarding abandonment rates now sit at around 10%, and the cost is staggering: average annual [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45833,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13],"tags":[1544,103,1235],"class_list":["post-49971","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","tag-customer","tag-finance","tag-onboarding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>SaaS Customer Onboarding Software and Its Benefits<\/title>\n<meta name=\"description\" content=\"Explore how SaaS customer onboarding software enhances user experiences, reduces churn, and supports financial organisations&#039; success.\" \/>\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\/\u91d1\u878d\u673a\u6784\u4e3a\u4ec0\u4e48\u9700\u8981\u57fa\u4e8esaas\u7684\u5ba2\u6237\u5165\u95e8\u89e3\u51b3\u65b9\u6848\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why Do Financial Institutions Need SaaS-Based Customer Onboarding Solutions?\" \/>\n<meta property=\"og:description\" content=\"The numbers are alarming. In 2025, 70% of financial institutions lost clients due to inefficient onboarding, up from 48% just two years earlier, according\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investglass.com\/zh\/\u91d1\u878d\u673a\u6784\u4e3a\u4ec0\u4e48\u9700\u8981\u57fa\u4e8esaas\u7684\u5ba2\u6237\u5165\u95e8\u89e3\u51b3\u65b9\u6848\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGlass\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-15T19:28:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-28T10:39:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-LeadCapture-2024-3b398931-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1401\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"InvestGlass\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@investglass\" \/>\n<meta name=\"twitter:site\" content=\"@investglass\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005\" \/>\n\t<meta name=\"twitter:data1\" content=\"InvestGlass\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4\" \/>\n\t<meta name=\"twitter:data2\" content=\"16 \u5206\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"SaaS \u5ba2\u6237\u5165\u95e8\u8f6f\u4ef6\u53ca\u5176\u4f18\u52bf","description":"\u63a2\u7d22SaaS\u5ba2\u6237\u5165\u804c\u8f6f\u4ef6\u5982\u4f55\u63d0\u5347\u7528\u6237\u4f53\u9a8c\u3001\u51cf\u5c11\u5ba2\u6237\u6d41\u5931\u5e76\u652f\u6301\u91d1\u878d\u673a\u6784\u53d6\u5f97\u6210\u529f\u3002.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.investglass.com\/zh\/\u91d1\u878d\u673a\u6784\u4e3a\u4ec0\u4e48\u9700\u8981\u57fa\u4e8esaas\u7684\u5ba2\u6237\u5165\u95e8\u89e3\u51b3\u65b9\u6848\/","og_locale":"zh_CN","og_type":"article","og_title":"Why Do Financial Institutions Need SaaS-Based Customer Onboarding Solutions?","og_description":"The numbers are alarming. In 2025, 70% of financial institutions lost clients due to inefficient onboarding, up from 48% just two years earlier, according","og_url":"https:\/\/www.investglass.com\/zh\/\u91d1\u878d\u673a\u6784\u4e3a\u4ec0\u4e48\u9700\u8981\u57fa\u4e8esaas\u7684\u5ba2\u6237\u5165\u95e8\u89e3\u51b3\u65b9\u6848\/","og_site_name":"InvestGlass","article_published_time":"2026-05-15T19:28:42+00:00","article_modified_time":"2026-05-28T10:39:24+00:00","og_image":[{"width":2048,"height":1401,"url":"https:\/\/www.investglass.com\/wp-content\/uploads\/2025\/03\/InvestGlass-LeadCapture-2024-3b398931-1-1.png","type":"image\/png"}],"author":"InvestGlass","twitter_card":"summary_large_image","twitter_creator":"@investglass","twitter_site":"@investglass","twitter_misc":{"\u4f5c\u8005":"InvestGlass","\u9884\u8ba1\u9605\u8bfb\u65f6\u95f4":"16 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