PEP Screening Across the EU: Why 90% of Hits Are Noise
High PEP alert volume is a matching problem, not proof of a risky customer base — here's how to fix it without missing real hits.
Adverse Media Monitoring for Fintech Startups: When It's Worth the Cost
Adverse media isn't a blanket news feed. It earns its cost only at specific trigger points in the customer lifecycle.
The New EU AML Authority (AMLA): What Startups Should Be Doing Now
AMLA won't supervise most startups directly in 2026. Their partners and regulators already expect its standard.
The AMLR Single Rulebook: What Changes for EU Fintechs in 2026
AMLR's KYB impact gets most of the attention. The retail customer file has its own gap to close.
Transaction Monitoring for Stablecoin Flows: Rules That Don't Translate from Card
Card rules see the transaction. Stablecoin risk lives one layer deeper, in the wallet path behind it.
Defaulted Loans and the AML Trail: What Collections Teams Often Miss
A default looks like a credit event. Sometimes it's the first visible trace of a laundering or fraud network.
Malawi AML in 2026
Malawi never set a minimum amount for filing a suspicious transaction report. That's a design choice, not a gap — here's what it means.
Malawi KYB in 2026
Malawi set its beneficial ownership bar at 5%, not the usual 25%. Here's how that changes business verification for fintechs.
Malawi KYC in 2026
A biometric ID rollout finished in 180 days now decides how Malawi verifies customers. Here's what that means for onboarding.
P2P Lending Platforms: Why Investor KYC Is the Failure Point
Why source-of-funds evidence and case reconstruction for retail investors, not borrower onboarding, is where P2P lending platforms usually fail an audit.
Lending to Migrants and the Underbanked in Europe: Identity Without a Local ID
Why migrants and underbanked Europeans fail onboarding before risk assessment even starts, and how lenders widen identity acceptance without weakening KYC.
Buy Now Pay Later for Travel and High-Ticket: KYC at the Point of Decision
Why a fast BNPL approval on a large basket isn't the same as a defensible one, and what CCD2 requires once the ticket size shifts the risk.