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\/>\n\u5f00\u53d1\u6807\u51c6\u5316\u7684\u5185\u90e8API\u63a5\u53e3\uff0c\u5c06\u590d\u6742\u7684\u672c\u5730\u652f\u4ed8\u534f\u8bae\u8f6c\u6362\u4e3a\u7edf\u4e00\u7684\u5904\u7406\u6d41\u7a0b\u3002\u8fd9\u79cd\u65b9\u6cd5\u663e\u8457\u964d\u4f4e\u4e86\u540e\u7eed\u7ef4\u62a4\u6210\u672c\u548c\u65b0\u6e20\u9053\u63a5\u5165\u65f6\u95f4\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u667a\u80fd\u8def\u7531\u7cfb\u7edf<\/strong><br \/>\n\u57fa\u4e8e\u6210\u529f\u7387\u3001\u624b\u7eed\u8d39\u548c processing time \u7b49\u53c2\u6570\u52a8\u6001\u9009\u62e9\u6700\u4f18\u652f\u4ed8\u901a\u9053\u3002\u4f8b\u5982\uff0c\u5728\u5de5\u4f5c\u65e5\u9ad8\u5cf0\u65f6\u6bb5\u4f18\u5148\u9009\u62e9\u5904\u7406\u80fd\u529b\u66f4\u5f3a\u7684\u94f6\u884c\u76f4\u8fde\u901a\u9053\uff0c\u800c\u5728\u975e\u9ad8\u5cf0\u65f6\u6bb5\u5219\u53ef\u4f7f\u7528\u7535\u5b50\u94b1\u5305\u4ee5\u964d\u4f4e\u6210\u672c\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u5b9e\u65f6\u76d1\u63a7\u770b\u677f<\/strong><br \/>\n\u5efa\u7acb\u5168\u9762\u7684\u4ea4\u6613\u76d1\u63a7\u4f53\u7cfb\uff0c\u5b9e\u65f6\u8ffd\u8e2a\u5404\u901a\u9053\u8868\u73b0\u3002\u8bbe\u7f6e\u81ea\u52a8\u9884\u8b66\u673a\u5236\uff0c\u5f53\u67d0\u901a\u9053\u5931\u8d25\u7387\u5f02\u5e38\u5347\u9ad8\u65f6\u7acb\u5373\u5207\u6362\u5907\u7528\u65b9\u6848\u3002<\/p>\n<\/li>\n<\/ol>\n<h3>\u98ce\u9669\u7ba1\u7406\u4e0e\u5408\u89c4\u6846\u67b6<\/h3>\n<p>\u5370\u5c3c\u7684\u91d1\u878d\u76d1\u7ba1\u73af\u5883\u590d\u6742\u4e14\u52a8\u6001\u53d8\u5316\uff0c\u5065\u5168\u7684\u98ce\u63a7\u4f53\u7cfb\u4e0d\u53ef\u6216\u7f3a\uff1a<\/p>\n<ul>\n<li>\n<p><strong>\u5206\u5c42\u9a8c\u8bc1\u7cfb\u7edf<\/strong><br \/>\n\u9488\u5bf9\u4e0d\u540c\u4ea4\u6613\u91d1\u989d\u8bbe\u7f6e\u5dee\u5f02\u5316\u7684\u5b89\u5168\u9a8c\u8bc1\u8981\u6c42\u3002\u5c0f\u989d\u4ea4\u6613\u7b80\u5316\u6d41\u7a0b\u63d0\u5347\u4f53\u9a8c\uff1b\u5927\u989d\u4ea4\u6613\u5219\u52a0\u5f3a\u9a8c\u8bc1\u786e\u4fdd\u5b89\u5168\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u53cd\u6d17\u94b1(AML)\u5408\u89c4<\/strong><br \/>\n\u4e25\u683c\u9075\u5faa\u5370\u5c3c\u592e\u884c(BI)\u548c\u91d1\u878d\u670d\u52a1\u7ba1\u7406\u5c40(OJK)\u7684\u53cd\u6d17\u94b1\u89c4\u5b9a\u3002\u5efa\u7acb\u53ef\u7591\u4ea4\u6613\u8bc6\u522b\u6a21\u578b\u5e76\u4e0e\u5f53\u5730\u76d1\u7ba1\u8981\u6c42\u4fdd\u6301\u540c\u6b65\u66f4\u65b0\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u6570\u636e\u672c\u5730\u5316\u7b56\u7565<\/strong><br \/>\n\u8003\u8651\u5c06\u6d89\u53ca\u5370\u5c3c\u7528\u6237\u7684\u654f\u611f\u6570\u636e\u5b58\u50a8\u5728\u7b26\u5408\u5f53\u5730\u6cd5\u89c4\u8981\u6c42\u7684\u670d\u52a1\u5668\u4e2d\uff0c\u8fd9\u4e0d\u4ec5\u80fd\u6ee1\u8db3\u5408\u89c4\u8981\u6c42\u8fd8\u80fd\u63d0\u5347\u6570\u636e\u5904\u7406\u901f\u5ea6\u3002<\/p>\n<\/li>\n<\/ul>\n<h2>\u7cbe\u7ec6\u5316\u8fd0\u8425\uff1a\u63d0\u5347\u672c\u571f\u652f\u4ed8\u8f6c\u5316\u7387\u7684\u5b9e\u6218\u7b56\u7565<\/h2>\n<h3>\u7528\u6237\u6559\u80b2\u4e0e\u5f15\u5bfc<\/h3>\n<p>\u8bb8\u591a\u6f5c\u5728\u7528\u6237\u56e0\u4e0d\u719f\u6089\u64cd\u4f5c\u6d41\u7a0b\u800c\u653e\u5f03\u4ea4\u6613\uff1a<\/p>\n<ol>\n<li>\n<p><strong>\u591a\u8bed\u8a00\u6307\u5bfc\u6750\u6599<\/strong><br \/>\n\u5236\u4f5c\u5370\u5ea6\u5c3c\u897f\u4e9a\u8bed\u7684\u64cd\u4f5c\u6307\u5357\u548c\u89c6\u9891\u6559\u7a0b\uff0c\u91cd\u70b9\u89e3\u91ca\u5b58\u6b3e\u548c\u63d0\u6b3e\u7684\u5177\u4f53\u6b65\u9aa4\u3002\u5c06\u8fd9\u4e9b\u6750\u6599 strategically\u653e\u7f6e\u5728\u7528\u6237\u53ef\u80fd\u9047\u5230\u56f0\u96be\u7684\u5404\u4e2a\u73af\u8282\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u667a\u80fd\u5ba2\u670d\u652f\u6301<\/strong><br \/>\n\u914d\u5907\u7cbe\u901a\u5f53\u5730\u8bed\u8a00\u548c\u6587\u5316\u7684\u5ba2\u670d\u56e2\u961f\uff0c\u5e76\u8bad\u7ec3AI\u52a9\u624b\u7406\u89e3\u5f53\u5730\u65b9\u8a00\u548c\u8868\u8fbe\u4e60\u60ef\u3002\u6570\u636e\u663e\u793a\u63d0\u4f9b\u6bcd\u8bed\u5ba2\u670d\u80fd\u5c06\u4ed8\u6b3e\u95ee\u9898\u89e3\u51b3\u7387\u63d0\u9ad840%\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u6e10\u8fdb\u5f0f\u529f\u80fd\u5f15\u5bfc<\/strong><br \/>\n\u65b0\u7528\u6237\u9996\u6b21\u4f7f\u7528\u65f6\u4e0d\u8981\u5c55\u793a\u6240\u6709\u590d\u6742\u529f\u80fd\uff0c\u800c\u662f\u901a\u8fc7\u7cbe\u5fc3\u8bbe\u8ba1\u7684 onboarding\u6d41\u7a0b\u9010\u6b65\u4ecb\u7ecd\u5404\u9879\u670d\u52a1\u5305\u62ec\u5404\u79cd\u4ed8\u6b3e\u65b9\u5f0f\u7684\u7279\u70b9\u548c\u4f7f\u7528\u573a\u666f\uff01<\/p>\n<\/li>\n<\/ol>\n<h3>\u4e2a\u6027\u5316\u63a8\u8350\u5f15\u64ce<\/h3>\n<p>\u57fa\u4e8e\u7528\u6237\u884c\u4e3a\u6570\u636e\u5206\u6790\u5176\u504f\u597d\u7684\u4ed8\u6b3e\u65b9\u5f0f\uff1a<\/p>\n<ul>\n<li>\n<p><strong>\u5730\u7406\u4f4d\u7f6e\u667a\u80fd\u63a8\u8350<\/strong><br \/>\n\u81ea\u52a8\u68c0\u6d4b\u7528\u6237\u6240\u5728\u5730\u533a\u63a8\u8350\u8be5\u533a\u57df\u6700\u6d41\u884c\u7684\u4ed8\u6b3e\u9009\u9879\u5982\u5df4\u5398\u5c9b\u6e38\u5ba2\u53ef\u80fd\u66f4\u503e\u5411\u4e8e\u56fd\u9645\u4fe1\u7528\u5361\u800c\u6cd7\u6c34\u672c\u5730\u5c45\u6c11\u5219\u66f4\u559c\u6b22LinkAja\uff01<\/p>\n<\/li>\n<li>\n<p><strong>\u6d88\u8d39\u4e60\u60ef\u5339\u914d<\/strong><br \/>\n\u6839\u636e\u7528\u6237\u7684\u4ea4\u6613\u91d1\u989d\u9891\u7387\u548c\u65f6\u95f4\u6a21\u5f0f\u4e3a\u5176\u5339\u914d\u5408\u9002\u7684\u4ed8\u6b3e\u6e20\u9053\u9ad8\u9891\u5c0f\u989d\u73a9\u5bb6\u53ef\u4e3b\u63a8\u7535\u5b50\u94b1\u5305\u800c\u4f4e\u9891\u5927\u989d\u73a9\u5bb6\u5219\u5efa\u8bae\u4f7f\u7528\u94f6\u884c\u8f6c\u8d26\uff01<\/p>\n<\/li>\n<\/ul>\n<h2>\u672a\u6765\u5df2\u6765\uff1a\u5370\u5c3c\u6570\u5b57\u652f\u4ed8\u7684\u6f14\u8fdb\u8d8b\u52bf<\/h2>\n<h3>BNPL\uff08\u5148\u4eab\u540e\u4ed8\uff09\u7684\u5d1b\u8d77<\/h3>\n<p>\u968f\u7740Akulaku\u548cKredivo\u7b49\u672c\u571fBNPL\u670d\u52a1\u5546\u7684\u5feb\u901f\u53d1\u5c55\u8fd9\u79cd\u65b0\u578b\u6d88\u8d39\u6a21\u5f0f\u6b63\u5728\u6539\u53d8\u5370\u5c3c\u7528\u6237\u7684\u4ed8\u8d39\u4e60\u60ef\uff01\u524d\u77bb\u6027\u7684\u535a\u5f69\u5e73\u53f0\u5df2\u7ecf\u5f00\u59cb\u6d4b\u8bd5\u96c6\u6210BNPL\u9009\u9879\u521d\u6b65\u6570\u636e\u663e\u793a\u8fd9\u79cd\u521b\u65b0\u80fd\u663e\u8457\u63d0\u9ad8\u65b0\u7528\u6237\u7684\u9996\u5b58\u8f6c\u5316\u7387\uff01<\/p>\n<h3>\u751f\u7269\u8bc6\u522b\u652f\u4ed8\u7684\u666e\u53ca<\/h3>\n<p>\u5370\u5ea6\u5c3c\u897f\u4e9a\u7684\u751f\u7269\u8bc6\u522b\u6280\u672f\u5e94\u7528\u6b63\u5904\u4e8e\u5feb\u901f\u589e\u957f\u671f\uff01\u6307\u7eb9\u8bc6\u522b\u548c\u4eba\u8138\u8ba4\u8bc1\u5f00\u59cb\u8fdb\u5165\u4e3b\u6d41\u7535\u5b50\u94b1\u5305\u5e94\u7528\uff01\u9884\u8ba1\u5728\u672a\u676512-18\u4e2a\u6708\u5185\u652f\u6301\u751f\u7269\u8bc6\u522b\u7684\u652f\u4ed8\u9a8c\u8bc1\u5c06\u6210\u4e3a\u884c\u4e1a\u6807\u51c6\u90a3\u4e9b\u63d0\u524d\u5e03\u5c40\u7684\u5e73\u53f0\u5c06\u83b7\u5f97\u660e\u663e\u7684\u7528\u6237\u4f53\u9a8c\u4f18\u52bf\uff01<\/p>\n<h3>Super App\u751f\u6001\u6574\u5408<\/h3>\n<p>Gojek\u548cGrab\u7b49\u8d85\u7ea7\u5e94\u7528\u6b63\u5728\u4e0d\u65ad\u6269\u5c55\u5176\u91d1\u878d\u670d\u52a1\u8fb9\u754c\uff01\u8fd9\u4e9bSuper 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