{"id":2115,"date":"2025-08-01T11:35:24","date_gmt":"2025-08-01T11:35:24","guid":{"rendered":"https:\/\/fintech.global\/cx-fintech-forum\/?p=2115"},"modified":"2025-10-29T15:33:17","modified_gmt":"2025-10-29T15:33:17","slug":"how-are-firms-tackling-fragmented-global-regulations","status":"publish","type":"post","link":"https:\/\/fintech.global\/cx-fintech-forum\/2025\/08\/01\/how-are-firms-tackling-fragmented-global-regulations\/","title":{"rendered":"How are firms tackling fragmented global regulations?"},"content":{"rendered":"

Global regulations form a patchwork quilt, each jurisdiction stitching its own rules with distinct threads of law, culture, and intent. This fragmentation burdens firms with spiraling costs and compliance risks, as they grapple with inconsistent standards and relentless updates. Could RegTech\u2014fueled by AI, automation, and analytics\u2014offer a way to harmonize this chaos into a manageable whole? The answer hinges on whether technology can bridge the gaps in a world where borders still dictate the rules.<\/strong><\/p>\n

A big step for any company looking to expand globally is being to get fully to grips with the global regulatory landscape \u2013 understanding what is possible and how. Areg Nzsdejan, founder of\u00a0Cardamon<\/a>, stressed that every compliance leader knows the pain of expansion.<\/p>\n

He said, \u201cYou\u2019re launching a product into three new markets and suddenly you\u2019re juggling five regulators, nine overlapping rulebooks, and a spreadsheet that\u2019s grown into a monster. The regulations might be addressing the same underlying risks \u2013 but the wording, expectations, and reporting obligations vary just enough to require weeks of legal review and months of operational planning. This is the reality for regulated firms operating across borders. Fragmentation isn\u2019t a surprise. It\u2019s the default.\u201d<\/p>\n

Enter the democratisation of AI. For Nzsdejan, this is now allowing companies to manage this much more effectively. GenAI is now able to parse hundreds of pages of regulation across jurisdictions and languages \u2013 and extract obligations with context. \u201cOn top of that, knowledge graphs connect obligations to internal policies, controls, products, and entities \u2013 so you\u2019re not just reading rules, you\u2019re applying them across your organisation,\u201d he said.<\/p>\n

These technologies together, Nzsdejan mentioned, form the backbone of what Cardamon is building.<\/p>\n

He said, \u201cIt\u2019s not about replacing legal & compliance teams \u2013 it\u2019s about giving them superpowers. Our platform enables global firms to trace a regulatory change from a foreign-language consultation paper all the way through to a control gap in their payment flow.\u201d<\/p>\n

One of the core challenges, explained Nzsdejan, is that regulators often speak in slightly different dialects \u2013 even when they\u2019re regulating the same thing. \u201cKYC in the EU is not the same as AML in Singapore. Suitability in the UK might overlap with investor protection in the US \u2013 but the standards, tests, and expectations aren\u2019t interchangeable,\u201d he said.<\/p>\n

He added that good RegTech platforms abstract this complexity by leveraging GenAI to extract similarities and differences \u2013 of course, the infrastructure has to be in place, the correct tools have to be applied, and the context has to be spot on. It\u2019s not about boiling the ocean or forcing convergence. It\u2019s about surfacing the 80 percent that\u2019s harmonizable \u2013 and flagging the 20 percent that\u2019s jurisdiction-specific.<\/p>\n

For Nzsdejan, the biggest pain points in cross-border compliance today include duplicated efforts across local compliance teams, manual and inconsistent regulatory interpretations, language barriers and need for local expertise to deal with nuances, no central view of how global obligations are implemented and difficulty keeping product and policy teams aligned across markets.<\/p>\n

He stated, \u201cMany firms rely on consulting reports, local counsel, or PDF trackers to fill the gaps. But these approaches don\u2019t scale, and worse \u2013 they often result in divergence between what the business thinks is happening and what the regulator expects.<\/p>\n

With AI-powered platforms, firms can finally get a single source of regulatory truth \u2013 and tie that directly to controls, product specs, and even training materials.\u201d<\/p>\n

Is regulatory convergence coming? In some areas, Nzsdejan believes so. \u201cIn some areas, yes \u2013 think Basel III, FATF, IOSCO principles, and the EU\u2019s push toward pan-European regulation. But in practice, fragmentation is not going away \u2013 after all, local regulators, whether state or country level, aren\u2019t paid to just adopt pan-country level guidelines. If anything, we\u2019re seeing regulators adopt shared goals but implement them in wildly different ways.\u201d<\/p>\n

The smart money, claims Nzsdejan, isn\u2019t betting on harmonisation. It\u2019s investing in agility \u2013 the ability to adapt quickly to whatever shape the regulation takes, wherever it comes from.<\/p>\n

He remarked, \u201cThat\u2019s the model we\u2019ve built Cardamon around. One that lets global compliance teams act local without starting from scratch every time.<\/p>\n

Global compliance isn\u2019t about translating rules. It\u2019s about translating intent \u2013 and turning that into repeatable action across your business. With the right tech stack, it\u2019s no longer an impossible ask.<\/p>\n

\u201cThe firms who win in this space won\u2019t be the ones with the most headcount. They\u2019ll be the ones with the clearest source of truth \u2013 and the shortest path from regulatory change to business action\u201d<\/p>\n

Return to fragmentation<\/strong><\/p>\n

After years of global regulatory alignment, we are seeing a return to a more fragmented market in terms of global standards, said global head of RegTech sales at\u00a0ACA Group<\/a>\u00a0Marc Salter.<\/p>\n

He said, \u201cNot only are there different frameworks in force but implementations are increasingly inconsistent thus introducing operational complexity for global firms. Timelines for adopting regulations often vary, with the US, UK and Asia rolling out key regimes at different times. \u201c<\/p>\n

Many countries, he stressed, have introduced local regulations with wider ramifications such as EU\u2019s GDPR and US sanctions, which compel non-local institutions to comply with domestic rules in multiple jurisdictions. This leads to duplicated compliance efforts, higher costs, and potential for regulatory arbitrage, claims Salter.<\/p>\n

He continued, \u201cA good example has been digital assets \u2013 which have fragmented rulebooks, and different regions have set different priorities without being truly coordinated. Firms are turning to technology to help address the increased fragmentation and challenges to their business models. Technology provides the ability to automate, scale and adapt to the new challenges being faced.\u201d<\/p>\n

Such technologies raised by Salter include cloud-native systems, AI and ML, and compliance monitoring<\/p>\n

He said, \u201cThe use of these technologies help firms to identify the similarities across global regulations and where there are potential pain points due to the divergence. Firms are faced with deploying multiple standards or adopting the highest bar in order to address this challenge.\u201d<\/p>\n

The biggest pain points in cross-border compliance, Salter stresses, stem from the complexity, inconsistency and rapidly changing environments of global regulations.<\/p>\n

He said, \u201cThis is exacerbated by operational, technological and in some cases cultural challenges. AML\/CFT, data privacy are two areas where each country has it\u2019s own requirements forcing firms to navigate sometimes overlapping and in cases contradictory rulesets. Regulatory change is also happening at a pace unseen before leading firms to jump from project to project and being more reactive than proactive.<\/p>\n

Data Privacy laws, like GDPR and emerging laws (India\u2019s DPDPA-2023) restrict how data can be stored and transferred across borders, complicating global operations and increasing compliance costs. Some regulations such as EU Privacy laws apply beyond their borders, requiring firms to comply with foreign rules even for non-local activities.\u201d<\/p>\n

For Salter, this increased complexity then brings added risk into a compliance program. Manual country-specific programs are more complex, slower to adapt and thus become outdated quickly, he said.<\/p>\n

Salter continued, \u201cThis lack of harmonization increase the operational and regulatory risk thus meaning firms must invest in agile technology, local expertise and continuous enhancements to manage challenges effectively but do come at a cost to the business.<\/p>\n

Fragmentation is the dominant trend in the regulatory landscape and is expected to remain so for the foreseeable future. Whilst some regional harmonization will occur the geopolitical landscape is driving further divergence.<\/p>\n

\u201cFirms will need to remain agile in their approach to compliance roll outs. There will not be a one sized fits all approach and programs will need to be specific to the firm in question. Firms will be faced with cost pressures and need to balance the cost of compliance vs potential revenues,\u201d Salter concluded.<\/p>\n

A big opportunity\u00a0<\/strong>\u00a0<\/strong><\/p>\n

According to South African RegTech\u00a0RelyComply<\/a>, the financial world being more connected is a great thing for anti-fincrime collaboration, but only if everyone moves in the same lane with the right technology to hand.<\/p>\n

The firm said, \u201cManaging billions of cross-border payments is difficult, not just from a data processing standpoint. Each jurisdiction adheres to varying AML rules, particularly where resources to instil nationwide regulatory standards are lacking, as well as the use of beneficial ownership databases or insubstantial links to law enforcement to clamp down on terrorist financing, laundering, human and animal trafficking and other heinous crimes.\u201d<\/p>\n

Such high-risk areas with security risks, large transaction fees, diverse cultural challenges, third-party data usage, and time delays can all wreck the reputation of world-serving financial institutions and make the ever-growing need to build cooperative AML relationships far more difficult, said RelyComply.<\/p>\n

On top of this, cross-border requirements in some geographies are getting more stringent (the EU\u2019s Instant Payments Regulations, for instance) and could exclude some firms from breaking into specific markets compliantly, hindering the ecosystem\u2019s innovative progress, said the company.<\/p>\n

To deal with other areas such as digitalisation, cryptocurrencies, tokens, and blockchain technology, these pose exploitation avenues for criminals, yet they can also provide secure, low-cost, and auditable ways to manage cross-border payments.<\/p>\n

RelyComply remarked, \u201cWhile that exists in a regulatory grey area, instead, firms must heed the 40 Recommendations of the FATF, which calls for ongoing KYC, real-time transaction screening and monitoring, and risk reporting that maintains the speed and quality required of modern AML and counter-terrorism practices. Such guidelines are close to a global standard in our diverse financial ecosystem. In addition, it takes a more proactive adoption of RegTech everywhere to develop robust AML policies, communication channels with relevant authorities, and partnerships that bolster unified strategies that can identify fraudulent behaviours across borders.\u201d<\/p>\n

The company added that it believes legacy platforms are not adept at catering risk-based solutions to region-specific threats. More innovative tech-driven systems democratise AML, helping sector-wide businesses understand and adapt to varying rules and regulations to protect their integrity and the worldwide financial infrastructure.<\/p>\n

The firm finished, \u201cFragmentation is still an issue, but RegTech can connect ties using sector-specific platforms built to share intelligence and provide cost-efficient compliance for every regulator, agency or institution committed to stopping crime.\u201d<\/p>\n

The layered approach<\/strong><\/p>\n

RegTech\u00a0FullCircl<\/a>\u00a0outlines that it believes it is playing a key role in enabling multi-jurisdictional compliance with tools including identity verification, KYC\/KYB, fraud assessments, ongoing monitoring and credit risk screening.<\/p>\n

How can RegTech platforms map and normalise differing legal standards? For FullCircl, it believes companies are best placed to combat the patchwork of global regulations by employing a layered strategy\u2014and RegTech platforms like FullCircl, it states, are at the forefront.<\/p>\n

It said, \u201cWe provide API access to 400+ data sources (corporate registries, telcos, utilities, government databases) across 50+ countries. This breadth enables a unified dataset underpinning regulatory normalisation. We also have configurable rules engine to interpret and normalise disparate legal standards though custom workflows \u2013 KYC, KYB, AML, IDV. So, thresholds can be mapped across jurisdictions to ensure consistent experience.\u201d<\/p>\n

The company also offers end-to-end onboarding, normalising and automating regulatory checks so that customers experience a seamless compliant workflow regardless of jurisdictional variance. \u201cWe also continuously refresh compliance checks and legal standards to ensure compliance with all jurisdictional changes,\u201d it said.<\/p>\n

What are the biggest cross-border compliance pain points? Here, FullCircl said that the cross-border payments market has surged over recent decades because of increased mobility of goods, service, capital and people. But there are significant compliance challenges to overcome, especially in terms of commercial cross-border payments.<\/p>\n

The firm said, \u201cTech-based data-driven improvements to enhanced due diligence (EDD) hold the key to resolving the biggest pain points impacting cross-border payment success.<\/p>\n

\u201cThe complexity of financial crime remains a huge challenge for cross-border payment. Combined with rapidly evolving geo-political events and sanctions, regulated businesses are increasingly taking a risk-based approach to move beyond standard customer due diligence to enhanced customer identity assurance.<\/p>\n

\u201cA tech-based and data-driven approach is vital here, automating routine tasks and analysing vast volumes of data to improve the precision and efficiency of risk and compliance processes, therefore driving faster, cheaper and more efficient cross-border payment processes.\u201d<\/p>\n

For FullCircl, it believes that regulatory fragmentation is likely here to stay, at least for the foreseeable future.<\/p>\n

They explained, \u201cWhile there are pockets of regulatory convergence, especially in financial crime prevention (like AML\/KYC), the global trend still leans heavily toward divergence, driven by politics, sovereignty, national risk appetites, and technological disparities. Looking ahead, areas where we can expect to see more convergence are AML, KYC, cybersecurity disclosures, sanctions enforcement, and sustainability disclosures.\u201d<\/p>\n

AI as a vital importance<\/strong><\/p>\n

To track multi-jurisdictional compliance, firms deploy AI to increase speed and accuracy of results, said Supradeep Appikonda, COO and co-founder at\u00a04CRisk.ai<\/a>.<\/p>\n

He said, \u201cThe traditional manual method is to monitor regulations, including upcoming changes, by performing regular scans of all relevant sites and sources for regulations, rules, laws and standards applicable to their organizations to determine what truly applies. Teams research and corelate changes to laws, regulations, rules and standards applicable to their\u00a0 organizations by reviewing \u202falerts and notifications from agencies and regulatory sources.<\/p>\n

Going from here, the firms then need to gather and curate regulatory intelligence from feeds, emails and guidance, he said. \u201cFinally, teams need to manually organize changes by topics and understand which alerts are actually in scope for their organization. That\u2019s a huge manual burden, costly and error-prone \u2013 and it\u2019s simply not sustainable,\u201d said Appikonda.<\/p>\n

Through using technologies such as AI-powered horizon scanning, teams are able to proactively monitor, track and respond to global regulatory updates with unmatched speed and accuracy \u2014 by AI that is 10, 20 or 50 times faster and can completes tasks with greater accuracy.<\/p>\n

Appikonda continued, \u201cFor example, AI can scan, extract and parse of large and complex unstructured and structured data (including PDFs) to identify and summarize changes to regulatory requirements and identify obligations.<\/p>\n

\u201cIn particular, AI can search authoritative sources and specific regulatory agencies, to identify regulations, rules, laws, standards, guidance and news. Ai can build curated rule books applicable to a specific organization and finally, generate business obligations, merged across similar sources, aligned with an organization\u2019s legal requirements.\u201d<\/p>\n

He went on to say that AI can reduce noise, while enhancing the relevant signals, minimizing information overload through domain-aware tagging, filters and classified alerts based on a firm\u2019s industry, geography, business hierarchy and risk profile.<\/p>\n

For Appikonda, what are the biggest pain points in cross-border compliance today?<\/p>\n

He explained, \u201cProper management of international data transfers has become one of the most challenging and costly compliance hurdles in cross-border compliance. The risk isn\u2019t limited to tech giants and large organizations\u2014any company that handles personal data globally is under a microscope and fines of all sizes are issued frequently.\u201d<\/p>\n

The 4CRisk.ai COO gave the example from 2023, where Meta\u2019s \u20ac1.2 billion fine set the stage for aggressive GDPR enforcement. Meta was found in violation of GDPR Article 44, unlawfully transferring data to the U.S. without sufficient safeguards.<\/p>\n

Is regulatory convergence here to stay? For Appikonda, the intersection of AI technology and regulatory compliance presents both challenges and opportunities for fostering regulatory convergence. While compliance teams must remain vigilant about the risks associated with AI, they are also embracing its capabilities to enhance their end-to-end regulatory strategies.<\/p>\n

He said, \u201cFragmentation of processes raises risk by increasing the holes between processes where critical steps can break down. By leveraging AI tools to assess non-compliance impacts and streamline processes, organizations can \u2018connect the dots\u2019 and battle fragmentation, which ultimately, protects firms while fostering innovation.\u201d<\/p>\n

Challenging task<\/strong><\/p>\n

RegTech firm\u00a0AscentAI<\/a>\u00a0believes that for global firms, the ability to confidently and accurately identify, prioritize, and address all of the regulatory developments happening in real-time is a constant and very difficult task given the sheer scale of information being produced by regulators every day.<\/p>\n

The firm remarked, \u201cFortunately, AI technology can be a great force-multiplier here, enabling firms to rely on automation to do the heavy lifting so they can focus their time and teams on decision making and action. At the strategic level, horizon scanning tools like AscentHorizon can be tuned to monitor, capture, aggregate, and filter information from global regulators into a single source of truth.\u201d<\/p>\n

The company said teams are able to leverage the aggregated regulatory information, tailored to their specific interests, to get a sense of what might happen what will happen that they need to be aware of and potentially have to do something about within their business operations. It\u2019s a way for them to triage information more efficiently and be more proactive.\u00a0 In addition, as regulations (and their underlying requirements\/obligations) change, firms need to operationalize changes quickly and confidently within their enterprise.<\/p>\n

\u201cTools like AscentFocus can automate the most arduous parts of regulatory change management, using AI to break down regulatory documents into specific obligations and assessing applicability within the firm\u2019s obligations list to identify the changes that actually apply to them, along with downstream policies and controls in their GRC. Ai powered regtech tools are well positioned to enable firms to think and act both strategically and tactically about regulatory evolution,\u201d said AscentAI.<\/p>\n

Sophisticated blend<\/strong><\/p>\n

In the view of Kate Horgan, head of US business development at\u00a0Zeidler Group<\/a>, we are seeing an increasingly sophisticated blend of automation and legal intelligence driving multi-jurisdictional compliance.<\/p>\n

She said, \u201cBut technologies alone aren\u2019t enough what\u2019s truly enabling compliance at scale is the fusion of legal technology with expert legal and compliance oversight. Platforms that keep lawyers in the loop can offer both real-time insight and contextual interpretation and that is at the heart of what we do at Zeidler Group.\u201d<\/p>\n

The two biggest pain points in Horgan\u2019s mind are fragmentation and change velocity. On the first one, she stated that rules differ not only between regions, but often within them. For the second she remarked that staying ahead of constant updates across dozens of regulators is daunting.<\/p>\n

\u201cAutomation helps, but clients still need clarity on what those changes mean for their specific structure or product. That\u2019s why we invest in tools like our Global Knowledge Hub, updated in real time by our regulatory team with a direct line to our lawyers and regulatory experts for client-specific queries,\u201d said Horgan.<\/p>\n

Is regulatory convergence on the horizon, or is fragmentation here to stay? In this area, Horgan outlined that some thematic alignment is emerging especially in areas like ESG, AML, and AI but deep convergence remains unlikely.<\/p>\n

She finished, \u201cEven where global standards exist, local implementation and enforcement diverge. Fragmentation, for now, is the reality and the challenge is building systems that can intelligently navigate and adapt to it. Until we see meaningful political alignment across jurisdictions, compliance will remain a multi-lane road, not a single track.\u201d<\/p>\n

Juggling act<\/strong><\/p>\n

Joseph Ibitola, growth manager at\u00a0Flagright<\/a>, explained that many global firms juggle privacy, AML and consumer-protection statutes that rarely align word-for-word.<\/p>\n

He said,\u00a0<\/strong>\u201cEffective RegTech systems therefore rely on two ingredients: natural-language processing to extract obligations from each new law, and a common taxonomy that maps equivalent concepts across jurisdictions. This lets local teams toggle jurisdiction-specific requirements while the organisation maintains one coherent control framework.\u201d<\/p>\n

Ibitola remarked that Flagright implements this approach by linking new obligations to a shared knowledge graph; the same graph feeds policy templates, monitoring rules, and evidence collection so that reporting packages differ only where the underlying law truly diverges.<\/p>\n

He added, \u201cThe thorniest pain points remain data-residency clauses and conflicting reporting deadlines, and we do not expect global convergence in the near term. The pragmatic answer is modular, API-first infrastructure that can absorb new regional statutes quickly yet still roll up consolidated reporting to headquarters, reducing the time spent re-tooling each time a new jurisdiction introduces its own twist on familiar principles.\u201d<\/p>\n

Multi-org deployment<\/strong><\/p>\n

One particular area providing significant benefits for firms is multi-organisation deployment.<\/p>\n

According to Blanca Barthe, head of product marketing at\u00a0Napier AI<\/a>, multi-org offers substantial benefits for firms navigating fragmented global regulations, enabling them to operate with agility across jurisdictions while maintaining governance and control.<\/p>\n

She said, \u201cBy allowing each entity within a group to configure compliance rules, risk thresholds and workflows according to local regulatory requirements, multi-org architectures reduce the complexity of cross-border compliance.<\/p>\n

\u201cAt the same time, they support centralised oversight, streamlined reporting and consistent policy application across the enterprise. This structure helps firms manage regulatory divergence more effectively, improve audit readiness and scale their compliance operations with confidence. Napier AI supports this approach with flexible deployment options designed to meet the needs of global financial institutions.\u201d<\/p>\n

Fragmented AML and Crypto<\/strong><\/p>\n

For Darragh Hayes, CEO of\u00a0LEI Worldwide<\/a>, global AML and crypto regulation is fragmented\u2014especially when it comes to the FATF Travel Rule.<\/p>\n

He said, \u201cDifferent countries have rolled it out with varying timelines and standards, which creates a mess for cross-border compliance. One way to bring order is through identifiers like the Legal Entity Identifier (LEI). FATF\u2019s updated Recommendation 16 now explicitly supports the LEI for identifying senders and beneficiaries when they\u2019re legal entities. That\u2019s a big step. \u201c<\/p>\n

Hayes concluded by stressing that the LEI gives firms a consistent, recognised way to verify parties\u2014no matter where they\u2019re based. Tools like the LEI and ISO 20022 are helping RegTech platforms map differences and simplify reporting.<\/p>\n

\u201cWe might not get perfect regulatory harmony soon, but interoperability is possible\u2014and that\u2019s where the LEI really delivers,\u201d said Hayes.<\/p>\n

Read the daily RegTech news<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Global regulations form a patchwork quilt, each jurisdiction stitching its own rules with distinct threads of law, culture, and intent. This fragmentation burdens firms with spiraling costs and compliance risks, as they grapple with inconsistent standards and relentless updates. 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