AI is no longer peripheral – it is embedded in decision-making, risk, and control. As that shift accelerates, tolerance for ambiguity around accountability is collapsing. Regulators are no longer asking whether firms use AI, but whether they understand, control, and can stand behind it. This is where the accountability gap becomes real. The core tension...Read More

Financial regulation has always been shaped by the boundaries it seeks to defend. Once, those boundaries were physical—bank branches, vaults, national borders. Then they became digital, defined by networks, firewalls, and systems. Today, those perimeters are dissolving. In their place, a new focal point is emerging: identity. As financial services fragment across platforms, jurisdictions and...Read More

For several years, perpetual KYC (pKYC) has been pitched as the next evolution of traditional KYC methods, but firms still have misconceptions around what it really means. Unlike traditional KYC methods that have static and periodic checks, pKYC focuses on a continuous and automated process. The aim is to help firms become more reactive to...Read More

Regulation used to sit at the edges of the enterprise, tracked by specialist teams, interpreted periodically and pushed downstream into compliance, legal and risk functions. That model is starting to break. As regulatory change grows faster, broader and more complex, firms can no longer afford to treat regulatory intelligence as a background task or a...Read More

Automation is steadily moving from the margins of financial services into its operational core. Surveillance systems flag misconduct, onboarding platforms assess risk, and AI models increasingly recommend — or even execute — compliance actions. Yet as decision-making becomes embedded in automated systems, a fundamental question is becoming harder to answer: who actually owns the decision?...Read More

RegTech was built to solve fragmentation in compliance. But as the sector consolidates and platforms expand across surveillance, reporting, identity and risk, a new question is emerging: are firms replacing operational fragmentation with platform concentration risk? For financial institutions, the appeal of unified RegTech stacks is obvious. Consolidated platforms promise lower costs, integrated data models...Read More

Automation in compliance is no longer only about assistance – it is about delegation. Across KYC, AML, sanctions screening and transaction monitoring, machines are not just identifying risk; they are prioritising it, filtering it, and in some cases resolving it before a human intervenes.  This forces a much tougher question: which compliance decisions are safe...Read More

Since late 2022, the rise of artificial intelligence (AI) and its role on operational practices have evolved at a breakneck pace. In the area of compliance, this is no different, with businesses scrambling to future-proof their processes to keep up with the competition.   No longer is AI operating as a standalone control. The technology is...Read More

Compliance has always been built on a simple premise: when something goes wrong, someone is accountable. That assumption is now under strain. Decisions that once relied on human judgement are increasingly shaped — and in some cases made — by automated systems. Risk scores are generated automatically. Customers are onboarded or rejected based on models....Read More

Risk no longer stops at the edge of the organisation. As firms rely more heavily on third parties, cloud providers, data partners and complex supply chains, their exposure increasingly lies beyond what they directly control. From regulatory accountability to reputational fallout, weaknesses in the wider ecosystem can quickly become a firm’s own problem. For Alan...Read More