{"id":3231,"date":"2025-06-06T11:15:11","date_gmt":"2025-06-06T03:15:11","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3231"},"modified":"2025-06-06T11:15:11","modified_gmt":"2025-06-06T03:15:11","slug":"%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e7%9a%84%e6%9c%ba%e4%bc%9a%e4%b8%8e%e6%8c%91%e6%88%98","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/06\/%e5%b7%b4%e5%9f%ba%e6%96%af%e5%9d%a6%e6%94%af%e4%bb%98%e5%b8%82%e5%9c%ba%e7%9a%84%e6%9c%ba%e4%bc%9a%e4%b8%8e%e6%8c%91%e6%88%98\/","title":{"rendered":"\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5e02\u573a\u7684\u673a\u4f1a\u4e0e\u6311\u6218"},"content":{"rendered":"<p># \u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5e02\u573a\u7684\u673a\u4f1a\u4e0e\u6311\u6218  <\/p>\n<p> \u5f15\u8a00  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\/>\n\u5c3d\u7ba1\u73b0\u91d1\u4ecd\u662f\u4e3b\u6d41\u4ea4\u6613\u65b9\u5f0f\uff08\u5360\u6bd4\u7ea680%\uff09\uff0c\u4f46\u94f6\u884c\u8d26\u6237\u548c\u7535\u5b50\u94b1\u5305\u7684\u4f7f\u7528\u7387\u6b63\u7a33\u6b65\u589e\u957f\u3002\u201dBranchless Banking\u201d\uff08\u65e0\u7f51\u70b9\u94f6\u884c\u4e1a\u52a1\uff09\u6a21\u5f0f\u5e2e\u52a9\u66f4\u591a\u519c\u6751\u4eba\u53e3\u83b7\u5f97\u91d1\u878d\u670d\u52a1\u3002<\/p>\n<p> 3. \u7535\u5546\u4e0e\u8de8\u5883\u652f\u4ed8\u7684\u63a8\u52a8<br \/>\n\u7535\u5b50\u5546\u52a1\u5e73\u53f0\u7684\u5174\u8d77\u5e26\u52a8\u4e86\u5728\u7ebf\u652f\u4ed8\u7684\u7e41\u8363\uff1b\u540c\u65f6\u6d77\u5916\u4fa8\u6c11\u7684\u6c47\u6b3e\u9700\u6c42\u4f7f\u8de8\u5883\u6570\u5b57\u8f6c\u8d26\u6210\u4e3a\u91cd\u8981\u4e1a\u52a1\u65b9\u5411\u4e4b\u4e00\u3002<\/p>\n<p>&#8212;<\/p>\n<p> \u4e8c\u3001\u4e3b\u8981\u673a\u4f1a\u5206\u6790  <\/p>\n<p> \uff081\uff09\u5e9e\u5927\u7684\u672a\u5f00\u53d1\u7528\u6237\u7fa4\u4f53<br \/>\n\u76ee\u524d\u4ecd\u6709\u8fd170%\u6210\u5e74\u4eba\u672a\u4f7f\u7528\u6b63\u89c4\u91d1\u878d\u670d\u52a1\u2014\u2014\u8fd9\u610f\u5473\u7740\u5de8\u5927\u589e\u91cf\u7a7a\u95f4\u5f85\u6316\u6398\uff01\u5c24\u5176\u5728\u519c\u6751\u5730\u533a\u6216\u4e2d\u5c0f\u5546\u6237\u4e2d\u63a8\u5e7f\u4f4e\u6210\u672c\u89e3\u51b3\u65b9\u6848\u53ef\u80fd\u5e26\u6765\u7206\u53d1\u5f0f\u589e\u957f\u70b9\uff01<\/p>\n<p>*\u793a\u4f8b\uff1a\u652f\u4ed8\u5b9d\u65e9\u671f\u901a\u8fc7\u7ebf\u4e0b\u573a\u666f\u8986\u76d6\u4e2d\u56fd\u4e09\u56db\u7ebf\u57ce\u5e02\u53d6\u5f97\u6210\u529f\u6848\u4f8b\u53ef\u501f\u9274*<\/p>\n<p> \uff082\uff09\u653f\u7b56\u652f\u6301\u4e0e\u76d1\u7ba1\u5b8c\u5584\u5316\u8d8b\u52bf\u660e\u663e<br \/>\n\u2013 *\u56fd\u5bb6\u94f6\u884c(SBP)*\u8fd1\u5e74\u53d1\u5e03\u591a\u9879\u9f13\u52b1\u975e\u94f6\u673a\u6784\u53c2\u4e0e\u653f\u7b56;<br \/>\n\u2013 *\u7a0e\u6536\u4f18\u60e0*\u5438\u5f15\u5916\u8d44\u6295\u5165\u672c\u5730FinTech\u4f01\u4e1a;<br \/>\n\u2013 *\u53cd\u6d17\u94b1(AML)\u6846\u67b6*\u9010\u6b65\u5065\u5168\u589e\u5f3a\u56fd\u9645\u5408\u4f5c\u4f19\u4f34\u4fe1\u5fc3   <\/p>\n<p> \uff083\uff09\u6280\u672f\u9a71\u52a8\u521b\u65b0\u53ef\u80fd\u6027\u9ad8<br \/>\n\u7ed3\u5408AI\u98ce\u63a7\u6a21\u578b\u964d\u4f4e\u6b3a\u8bc8\u98ce\u9669\u3001\u533a\u5757\u94fe\u63d0\u9ad8\u8de8\u5883\u6548\u7387\u7b49\u5e94\u7528\u5177\u5907\u5b9e\u64cd\u524d\u666f<\/p>\n<p>&#8212;<\/p>\n<p>\u4e09\uff0e\u6838\u5fc3\u6311\u6218\u53ca\u5e94\u5bf9\u5efa\u8bae   <\/p>\n<p>| \u96be\u70b9\u7c7b\u522b |\u5177\u4f53\u8868\u73b0 |\u6f5c\u5728\u89e3\u51b3\u601d\u8def |<br \/>\n|&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| \u57fa\u7840\u8bbe\u65bd\u9650\u5236 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\u5df4\u57fa\u65af\u5766\u652f\u4ed8\u5e02\u573a\u7684\u672a\u6765\u53d1\u5c55\u65b9\u5411\u4e0e\u6218\u7565\u5efa\u8bae  <\/p>\n<p> 1. \u672a\u6765\u53d1\u5c55\u65b9\u5411  <\/p>\n<p> (1) \u666e\u60e0\u91d1\u878d\u7684\u6df1\u5316<br \/>\n\u5df4\u57fa\u65af\u5766\u4ecd\u6709\u5927\u91cf\u4eba\u53e3\u672a\u88ab\u4f20\u7edf\u94f6\u884c\u4f53\u7cfb\u8986\u76d6\uff0c\u5c24\u5176\u662f\u5728\u519c\u6751\u5730\u533a\u3002\u672a\u6765\u7684\u652f\u4ed8\u5e02\u573a\u5c06\u66f4\u52a0\u6ce8\u91cd\u666e\u60e0\u91d1\u878d\uff08Financial Inclusion\uff09\uff0c\u901a\u8fc7\u4ee5\u4e0b\u65b9\u5f0f\u6269\u5927\u670d\u52a1\u8303\u56f4\uff1a<br \/>\n\u2013 \u4ee3\u7406\u94f6\u884c\u6a21\u5f0f\uff08Agent Banking\uff09\uff1a\u5229\u7528\u672c\u5730\u5546\u5e97\u3001\u90ae\u5c40\u7b49\u4f5c\u4e3a\u91d1\u878d\u670d\u52a1\u70b9\uff0c\u964d\u4f4e\u7528\u6237\u63a5\u5165\u95e8\u69db\u3002<br \/>\n\u2013 \u7b80\u6613\u8d26\u6237\uff08Lite Accounts\uff09\uff1a\u63d0\u4f9b\u4f4e\u95e8\u69db\u7535\u5b50\u94b1\u5305\uff0c\u65e0\u9700\u590d\u6742KYC\u5373\u53ef\u6ee1\u8db3\u5c0f\u989d\u4ea4\u6613\u9700\u6c42\u3002  <\/p>\n<p> (2) \u8de8\u5883\u652f\u4ed8\u7684\u4f18\u5316<br \/>\n\u6d77\u5916\u4fa8\u6c11\u6c47\u6b3e\u662f\u5df4\u57fa\u65af\u5766\u7ecf\u6d4e\u7684\u91cd\u8981\u652f\u67f1\u4e4b\u4e00\uff082023\u5e74\u6c47\u6b3e\u989d\u8d85300\u4ebf\u7f8e\u5143\uff09\u3002\u672a\u6765\u8d8b\u52bf\u5305\u62ec\uff1a<br \/>\n\u2013 \u533a\u5757\u94fe\u6280\u672f\u5e94\u7528\uff1a\u63d0\u9ad8\u8de8\u5883\u7ed3\u7b97\u6548\u7387\u5e76\u964d\u4f4e\u6210\u672c\u3002<br \/>\n\u2013 \u5408\u89c4\u5316\u53d1\u5c55\uff1a\u7b26\u5408FATF\u53cd\u6d17\u94b1\u8981\u6c42\u4ee5\u589e\u5f3a\u56fd\u9645\u4fe1\u4efb\u5ea6\u3002  <\/p>\n<p> (3) B2B\u652f\u4ed8\u7684\u6570\u5b57\u5316\u5347\u7ea7<br \/>\n\u4e2d\u5c0f\u4f01\u4e1a(SMEs)\u5360\u5df4\u4f01\u4e1a\u603b\u6570\u768490%\u4ee5\u4e0a\uff0c\u4f46\u591a\u6570\u4ecd\u4f9d\u8d56\u73b0\u91d1\u4ea4\u6613\u3002B2B\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u53ef\u80fd\u6210\u4e3a\u65b0\u589e\u957f\u70b9\uff1a<br \/>\n \u2013 \u4f9b\u5e94\u94fe\u91d1\u878d\u5e73\u53f0\u6574\u5408\u91c7\u8d2d+\u4ed8\u6b3e\u6d41\u7a0b<br \/>\n \u2013 API\u5f00\u653e\u94f6\u884c\u6a21\u5f0f\u8ba9\u4f01\u4e1a\u8d22\u52a1\u7cfb\u7edf\u76f4\u8fde<\/p>\n<p>&#8212;<\/p>\n<p> 2. \u5173\u952e\u6210\u529f\u8981\u7d20\u5206\u6790<\/p>\n<p>| \u7ef4\u5ea6 | \u5177\u4f53\u8981\u6c42 | \u6848\u4f8b\u53c2\u8003 |<br \/>\n|&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;|<br \/>\n| *\u672c\u571f\u5316\u9002\u914d* | UI\u8bed\u8a00\u652f\u6301\u4e4c\u5c14\u90fd\u8bed\/\u533a\u57df\u6587\u5316\u504f\u597d\u5d4c\u5165 | Easypaisa\u63a8\u51fa\u4f0a\u65af\u5170\u6559\u6cd5\u5408\u89c4\u4ea7\u54c1 |<br \/>\n||\u73b0\u91d1\u5145\u63d0\u7f51\u70b9\u9ad8\u5bc6\u5ea6\u8986\u76d6 | JazzCash\u5728\u5168\u56fd\u8bbe7\u4e07+\u4ee3\u7406\u70b9 |<br \/>\n||<br \/>\n|*\u751f\u6001\u534f\u540c*|<\/p>\n<ul>\n<li>\u4e0e\u7535\u4fe1\u8fd0\u8425\u5546\u5408\u4f5c\u964d\u4f4e\u83b7\u5ba2\u6210\u672c\n<li>\u7535\u5546\u5e73\u53f0\u5185\u7f6e\u652f\u4ed8\u9009\u9879<\/ul>\n<p> Daraz(\u963f\u91cc\u7cfb)\u96c6\u6210\u81ea\u8eab\u94b1\u5305|<\/p>\n<p>\u6b64\u5916\u9700\u91cd\u70b9\u5173\u6ce8\uff1a<br \/>\n \u2013 \u653f\u5e9c\u5173\u7cfb\u7ef4\u62a4: SBP\u653f\u7b56\u53d8\u52a8\u9891\u7e41,\u4fdd\u6301\u5bc6\u5207\u6c9f\u901a<br \/>\n \u2013 \u6570\u636e\u5b89\u5168\u6295\u5165: \u907f\u514d\u7c7b\u4f3c2022\u5e74\u67d0\u5e73\u53f0\u5927\u89c4\u6a21\u4fe1\u606f\u6cc4\u9732\u4e8b\u4ef6<\/p>\n<p>&#8212;<\/p>\n<p> 3.\u7ed9\u65b0\u8fdb\u5165\u8005\u7684\u5b9e\u64cd\u5efa\u8bae<\/p>\n<p>(\u4e00) \u5206\u9636\u6bb5\u5e02\u573a\u6e17\u900f\u7b56\u7565<br \/>\n1. *\u8bd5\u9a8c\u671f*(0-6\u4e2a\u6708):<br \/>\n   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