{"id":221349,"date":"2026-10-12T08:36:35","date_gmt":"2026-10-12T08:36:35","guid":{"rendered":"https:\/\/10pearls.com\/uk\/blog\/\/"},"modified":"2026-10-12T08:39:23","modified_gmt":"2026-10-12T08:39:23","slug":"aml-transaction-monitoring","status":"publish","type":"post","link":"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/","title":{"rendered":"AML Transaction Monitoring and KYC: From Manual to AI"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"221349\" class=\"elementor elementor-221349\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c86da0 e-flex e-con-boxed e-con e-parent\" data-id=\"9c86da0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f29b755 elementor-widget__width-initial indigo-h1 elementor-widget elementor-widget-heading\" data-id=\"f29b755\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">KYC &amp; AML Modernization: Moving from Manual Checks to Intelligent Compliance\u00a0<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f48896 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6f48896\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"38\" height=\"39\" viewBox=\"0 0 38 39\" fill=\"none\"><path d=\"M19.4436 38.8801C15.6001 38.8789 11.8431 37.7389 8.64699 35.6041C5.45086 33.4693 2.95886 30.4355 1.48561 26.8855C0.0123526 23.3356 -0.376111 19.4287 0.369259 15.6582C1.11463 11.8877 2.96042 8.42249 5.6736 5.70014C7.47665 3.88503 9.6225 2.44641 11.9864 1.46788C14.3503 0.48935 16.8852 -0.00956244 19.4436 0.000138806C22.4602 0.00109609 25.4356 0.700358 28.1368 2.04316C30.838 3.38597 33.1917 5.33586 35.0136 7.74014C33.0388 6.61689 30.8055 6.02753 28.5336 6.03014C24.9544 6.03411 21.5229 7.4577 18.992 9.98858C16.4612 12.5195 15.0376 15.9509 15.0336 19.5301C15.0179 23.042 16.3955 26.4169 18.8643 28.9146C21.3332 31.4123 24.6917 32.829 28.2036 32.8541C28.3116 32.8541 28.4216 32.8541 28.5296 32.8541C30.7221 32.8586 32.8833 32.3337 34.8296 31.3241C33.0206 33.6271 30.7279 35.5046 28.1136 36.8241C25.4253 38.1813 22.455 38.8856 19.4436 38.8801ZM4.7736 6.93014L7.4736 11.5201H9.4536V32.4001H13.7736V6.93014H4.7736Z\" fill=\"white\"><\/path><path d=\"M28.27 10C30.1034 10 31.8957 10.5437 33.4201 11.5623C34.9446 12.5809 36.1327 14.0287 36.8344 15.7225C37.536 17.4164 37.7196 19.2803 37.3619 21.0785C37.0042 22.8767 36.1213 24.5284 34.8249 25.8249C33.5284 27.1213 31.8767 28.0042 30.0785 28.3619C28.2803 28.7196 26.4164 28.536 24.7225 27.8344C23.0287 27.1327 21.5809 25.9446 20.5623 24.4201C19.5437 22.8957 19 21.1034 19 19.27C19.0003 16.8115 19.977 14.4538 21.7154 12.7154C23.4538 10.977 25.8115 10.0003 28.27 10Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">10Pearls Editorial Team<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">10 min read<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0691df1 e-flex e-con-boxed e-con e-parent\" data-id=\"0691df1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-13a8866 e-con-full e-flex e-con e-child\" data-id=\"13a8866\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9a2844d elementor-widget elementor-widget-heading\" data-id=\"9a2844d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Summary<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a51691 elementor-widget elementor-widget-text-editor\" data-id=\"4a51691\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial institutions are modernizing KYC and AML with AI and automation. These tools help reduce manual work, improve risk detection and support faster onboarding while keeping human oversight in place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-186532f e-con-full e-flex e-con e-child\" data-id=\"186532f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7cf632b e-con-full e-flex e-con e-child\" data-id=\"7cf632b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1d8cfc section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"e1d8cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial institutions worldwide spend more than <a href=\"https:\/\/risk.lexisnexis.com\/about-us\/press-room\/press-release\/20230926-global-financial-crime-compliance-costs\" target=\"_blank\" rel=\"noopener nofollow\">$206 billion<\/a> annually on financial crime compliance, according to LexisNexis Risk Solutions&#8217; 2023 True Cost of Financial Crime Compliance study. Yet the scale of financial crime remains so significant. The United Nations Office on Drugs and Crime estimates that money laundering accounts for <a href=\"https:\/\/www.unodc.org\/unodc\/en\/money-laundering\/overview.html\" target=\"_blank\" rel=\"noopener nofollow\">2 to 5 percent<\/a> of global GDP, or USD 800 billion to USD 2 trillion each year.\u00a0<\/p><p>A major reason is that many organizations continue to rely on manual document reviews, rules-based AML transaction monitoring, and disconnected compliance processes. These approaches slow down customer onboarding, generate large numbers of routine alerts for investigators to review, and increase operational costs. At the same time, financial crime tactics continue to change, making it harder for traditional compliance programs to keep up.\u00a0<\/p><p>To address these challenges, many financial institutions are modernizing Know Your Customer (KYC) and Anti-Money Laundering (AML) with more continuous and automated approaches, including more effective AML transaction monitoring. <span class=\"TextRun SCXW224144824 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW224144824 BCX8\">This article explores practical ways to strengthen compliance through <\/span><\/span><a href=\"\/artificial-intelligence\/ai-integration-services\/\" target=\"_blank\" rel=\"noopener\"><span class=\"TextRun Underlined SCXW224144824 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW224144824 BCX8\">ai <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW224144824 BCX8\">integration<\/span><span class=\"NormalTextRun SCXW224144824 BCX8\"> services<\/span><\/span><\/a><span class=\"TextRun SCXW224144824 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW224144824 BCX8\"> rather than by replacing existing systems.<\/span><\/span><span class=\"EOP Selected SCXW224144824 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c2dcd32 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"c2dcd32\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-05498c4 section-head-margin-bottom elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"05498c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Manual KYC and AML processes are becoming harder to manage as financial crime evolves.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Better data and automation can make onboarding and monitoring more efficient.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Customer risk doesn't stay the same, which is why continuous monitoring is becoming more common.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">AI can reduce repetitive work, but experienced investigators remain central to the compliance process.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">KYC and AML modernization is usually a gradual process, with improvements introduced over time rather than all at once.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a9a23 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"a9a9a23\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"whatIsKycAml\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is KYC &amp; AML?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fe59a0 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"8fe59a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Know Your Customer (KYC) and Anti-Money Laundering (AML) are foundational components of every financial crime compliance program.\u00a0\u00a0<\/p><p>KYC is an important component of customer due diligence (CDD). It is a systematic process that verifies a customer&#8217;s identity and assesses their risk during onboarding and keeps that information accurate throughout the relationship.\u00a0<\/p><p>Anti-money laundering (AML) refers to the policies and controls financial institutions use to detect suspicious activity, prevent crimes, and comply with regulatory requirements.\u00a0\u00a0<\/p><p>Core AML capabilities include sanctions screening, AML transaction monitoring, and suspicious activity reporting (SAR). <span class=\"TextRun SCXW42056104 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW42056104 BCX8\">Together, KYC and AML, including AML transaction monitoring, help financial institutions detect suspicious activity, reduce financial crime risk, and <\/span><span class=\"NormalTextRun SCXW42056104 BCX8\">maintain<\/span><span class=\"NormalTextRun SCXW42056104 BCX8\"> a stronger, more effective compliance program across the three stages of money laundering:<\/span><\/span><span class=\"EOP Selected SCXW42056104 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0a89b79 e-grid section-head-margin-bottom e-con-full e-con e-child\" data-id=\"0a89b79\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7cad280 e-con-full e-flex e-con e-child\" data-id=\"7cad280\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-432774d elementor-widget elementor-widget-heading\" data-id=\"432774d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">01<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4218db6 elementor-widget elementor-widget-heading\" data-id=\"4218db6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Placement<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f0faaf elementor-widget elementor-widget-text-editor\" data-id=\"8f0faaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where illicit funds enter the financial system.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-786ed0c e-con-full e-flex e-con e-child\" data-id=\"786ed0c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-748b1c1 elementor-widget elementor-widget-heading\" data-id=\"748b1c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">02<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2a095e elementor-widget elementor-widget-heading\" data-id=\"a2a095e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Layering<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-241b6e1 elementor-widget elementor-widget-text-editor\" data-id=\"241b6e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where transactions conceal their origin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52d89ad e-con-full e-flex e-con e-child\" data-id=\"52d89ad\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2944b91 elementor-widget elementor-widget-heading\" data-id=\"2944b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">03<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-001c5a9 elementor-widget elementor-widget-heading\" data-id=\"001c5a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Integration<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bcca9e elementor-widget elementor-widget-text-editor\" data-id=\"4bcca9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Where the funds re-enter the economy as seemingly legitimate assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84b6d36 section-head-margin-bottom elementor-widget elementor-widget-image\" data-id=\"84b6d36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"860\" height=\"454\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/what-is-kyc-aml.webp\" class=\"attachment-large size-large wp-image-221354\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/what-is-kyc-aml.webp 860w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/what-is-kyc-aml-300x158.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/what-is-kyc-aml-768x405.webp 768w\" sizes=\"auto, (max-width: 860px) 100vw, 860px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64fcb30 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"64fcb30\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"manualKycAmlBreaksDown\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why manual KYC &amp; AML breaks down<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd20b2 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"8fd20b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW178247640 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW178247640 BCX8\">Manual rules-based AML compliance was built for a smaller, slower financial system.<\/span><\/span>\u00a0Onboarding that depends on manual document review, and back-and-forth data requests often take days, and legitimate customers abandon the process as a result. On the monitoring side, static, threshold-based rules cannot distinguish a wealthy customer\u2019s routine large transfer from a structuring attempt, so they flag nearly everything that crosses a set amount.\u00a0<\/p><p>Industry studies have consistently found that <a href=\"https:\/\/www.sciencedirect.com\/science\/article\/pii\/S0167739X24002607\" target=\"_blank\" rel=\"noopener nofollow\">90 to 95 percent<\/a> of alerts generated by traditional rules-based AML monitoring are false positives, meaning no further action is ultimately required. As a result, analysts spend much of their time reviewing routine cases instead of investigating higher-risk activity, increasing operational costs, and contributing to staff fatigue and turnover.\u00a0<\/p><p>Another challenge is <a href=\"\/blog\/ai-data-readiness-roadmap-guidance\/\" target=\"_blank\" rel=\"noopener\">fragmented data<\/a>. Customer profiles, transaction histories, sanctions screening results, and other compliance records rarely exist in a single place. As a result, compliance teams often have to piece together information from multiple sources before they can assess a customer&#8217;s risk.\u00a0<\/p><p>This makes both customer onboarding and ongoing monitoring more difficult. It also becomes a challenge during regulatory audits, where organizations must be able to explain how compliance decisions were made and provide a clear rationale for why certain transactions were flagged\u2014or why others were not.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa41acd indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"aa41acd\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"intelligentComplianceMeans\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What intelligent compliance means<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-453703a section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"453703a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Traditional KYC and AML processes were built around periodic reviews, manual checks, and predefined rules. Intelligent compliance takes a different approach by using automation, better data, and AI to make compliance more continuous and responsive.\u00a0<br \/><br \/>The aim of moving towards intelligent compliance controls is to make processes more effective. Automated identity verification can speed up onboarding, while perpetual KYC allows organizations to update customer risk profiles as new information becomes available instead of waiting for scheduled reviews. Similarly, AI-powered AML transaction monitoring can look at customer behavior and identify unusual patterns that may be missed by traditional rule-based systems.\u00a0<br \/><br \/>This approach also changes the role of compliance teams. Instead of spending most of their time reviewing large volumes of low-risk alerts, analysts can focus on cases that require investigation and professional judgment.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46ad5de mi-table section-head-margin-bottom elementor-widget elementor-widget-html\" data-id=\"46ad5de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"mi-table\">\r\n  <table>\r\n    <thead>\r\n      <tr>\r\n        <th>Traditional compliance<\/th>\r\n        <th>Intelligent compliance<\/th>\r\n      <\/tr>\r\n    <\/thead>\r\n    <tbody>\r\n      <tr>\r\n        <td>Periodic KYC reviews<\/td>\r\n        <td>Continuous customer risk monitoring<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Manual identity verification and document review<\/td>\r\n        <td>Automated KYC identity verification and document processing<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Static, rules-based AML transaction monitoring<\/td>\r\n        <td>Behavior-based monitoring using AI and advanced analytics<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Batch sanctions screening<\/td>\r\n        <td>Continuous sanctions and risk screening<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>High volumes of false-positive alerts<\/td>\r\n        <td>Risk-based alert prioritization and fewer unnecessary reviews<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Analysts spend time clearing routine alerts<\/td>\r\n        <td>Analysts focus on higher-risk investigations<\/td>\r\n      <\/tr>\r\n      <tr>\r\n        <td>Manual records and fragmented audit trails<\/td>\r\n        <td>Consistent, traceable, and auditable compliance processes<\/td>\r\n      <\/tr>\r\n    <\/tbody>\r\n  <\/table>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af6c820 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"af6c820\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"modernizingKyc\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Modernizing KYC: automated onboarding &amp; perpetual monitoring<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15c13d0 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"15c13d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Automated KYC starts with how customer identities are checked at the point of onboarding. Instead of relying on manual document reviews, many organizations now use <a href=\"\/portfolio\/innovating-identity-protection\/\" target=\"_blank\" rel=\"noopener\">automated identity verification (IDV)<\/a>. This typically combines document authentication, biometric checks, and database verification to confirm a customer&#8217;s identity more quickly and with fewer inconsistencies than traditional processes.<\/p><p>Onboarding has also become more connected. Rather than pulling information from separate systems, modern platforms bring together data from identity providers, sanctions lists, adverse media screening, and other risk sources into a single view. This makes it easier for compliance teams to assess a customer without having to manually piece information together across different tools.<\/p><p>Customer reviews are never the same. The level of checks depends on the risk associated with each customer. A low-risk customer may complete verification quickly through automated checks, while a higher-risk customer may need additional review, including ownership checks, source of funds verification, or further background assessment. In these cases, compliance teams may step in to review the information and decide whether any further action is needed.<\/p><p><span data-contrast=\"none\">KYC does not end once an account has been opened. Perpetual KYC (pKYC) focuses on keeping<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><span data-contrast=\"none\">customer information and risk assessments up to date as circumstances change, and it is<\/span><span data-ccp-props=\"{&quot;335551550&quot;:1,&quot;335551620&quot;:1}\">\u00a0<\/span><span data-contrast=\"none\">increasingly built into <\/span><a href=\"\/custom-fintech-solutions\/\" target=\"_blank\" rel=\"noopener\">custom fintech solutions<\/a><span data-contrast=\"none\">\u00a0rather than run as a separate review cycle.<\/span> Rather than waiting for a scheduled review every few years, organizations can monitor relevant changes, such as new sanctions information, adverse media reports, or changes in customer activity. A deeper review can then be initiated when there is a reason to reassess the customer&#8217;s risk.\u00a0<\/p><p>Know your business (KYB) is used for businesses and involves checking information such as company registration details, ownership structures, and ultimate beneficial owners (UBOs). Together with KYC automation, they give organizations a clearer understanding of their customers and help strengthen AML processes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66b34eb section-head-margin-bottom elementor-widget elementor-widget-image\" data-id=\"66b34eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"860\" height=\"454\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/modernizing-kyc.webp\" class=\"attachment-large size-large wp-image-221355\" alt=\"\" srcset=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/modernizing-kyc.webp 860w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/modernizing-kyc-300x158.webp 300w, https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/modernizing-kyc-768x405.webp 768w\" sizes=\"auto, (max-width: 860px) 100vw, 860px\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5912c68 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"5912c68\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"modernizingAml\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Modernizing AML: intelligent transaction monitoring<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c5d299 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"4c5d299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Transaction monitoring is one of the areas where intelligent compliance can make the biggest difference. Traditional AML systems often rely on fixed rules and predefined scenarios to identify suspicious activity. While these rules are useful, they can struggle to account for differences between customers. A large transfer, for example, may be completely normal for a business that regularly moves significant amounts of money but unusual for a customer whose account activity has always been low.<\/p><p>Behavioral monitoring addresses the gap by looking at activity in context. Instead of asking whether a transaction crosses a set threshold, it considers whether the activity matches what is expected from that customer. Changes such as a sudden increase in transaction volume, new counterparties, or unfamiliar payment patterns can then be identified for review.<\/p><p><a href=\"\/machine-learning\/\" target=\"_blank\" rel=\"noopener\">Machine learning<\/a> introduces a more flexible approach by looking at customer behavior over time. Instead of applying the same threshold to everyone, these systems can learn what normal activity looks like for an individual customer, account, or transaction network and identify changes that may require attention. By analyzing relationships between accounts, counterparties, and transaction patterns, they can also uncover connections that may not be visible when reviewing transactions individually.\u00a0<\/p><p>AI is also being introduced into the investigation process. These tools help reduce manual work by bringing together relevant information, highlighting connections between accounts, and summarizing case details. Investigators can then spend more time evaluating risk and making decisions instead of collecting information. This is where <a href=\"\/artificial-intelligence\/agentic-ai-development-services\/\" target=\"_blank\" rel=\"noopener\">agentic ai development services<\/a> are being applied: agents gather the evidence and draft the case summary, while responsibility for escalation and reporting remains with the compliance team.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b21aea0 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"b21aea0\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"practicalApproach\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A practical approach to modernizing KYC &amp; AML<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7fafe8 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"f7fafe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Modernizing KYC and AML transaction monitoring is a gradual process that varies for each institution. They have different systems, regulatory requirements, and operational challenges, which is why <a href=\"\/artificial-intelligence\/ai-consulting-services\/\" target=\"_blank\" rel=\"noopener\">ai strategy consulting services<\/a> usually begin by identifying the areas where manual processes create the most delays, inefficiencies, or compliance risk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1171728 e-con-full e-flex e-con e-child\" data-id=\"1171728\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5bdaa41 indigo-h4 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"5bdaa41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span>1.<\/span> Improve customer information collection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ebd88c elementor-widget elementor-widget-text-editor\" data-id=\"0ebd88c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The process starts with gathering accurate customer information. Automation can help <a href=\"\/nlp\/\" target=\"_blank\" rel=\"noopener\">extract data from identity documents<\/a>, verify details, and reduce manual document reviews during onboarding.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a13207 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7a13207\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0e2ffb2 e-con-full e-flex e-con e-child\" data-id=\"0e2ffb2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdadcc8 indigo-h4 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"bdadcc8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span>2.<\/span> Strengthen screening &amp; risk assessment<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21472d3 elementor-widget elementor-widget-text-editor\" data-id=\"21472d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>After customer information is collected, institutions can use automated screening to check customers against sanctions lists, PEP databases, and other risk sources. Risk scoring combines factors such as customer type, location, activity, and screening results to help determine the level of due diligence required.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2602bc0 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"2602bc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ae8004c e-con-full e-flex e-con e-child\" data-id=\"ae8004c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8ec8c7a indigo-h4 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"8ec8c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span>3.<\/span> Enable ongoing monitoring<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-827be39 elementor-widget elementor-widget-text-editor\" data-id=\"827be39\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Customer risk can change after onboarding. Continuous monitoring helps institutions identify changes in customer activity, new sanctions of information, or other risk indicators that may require further review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23a7087 elementor-widget__width-initial elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"23a7087\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89c8cc6 e-con-full section-head-margin-bottom e-flex e-con e-child\" data-id=\"89c8cc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-244fc9e indigo-h4 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"244fc9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span>4.<\/span> Keep human review in the process<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7632c7 elementor-widget elementor-widget-text-editor\" data-id=\"c7632c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Combine AI and advanced analytics with human judgment within existing processes to supplement findings and speed up workflows.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bae488 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"9bae488\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"complianceRiskRegulatory\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compliance, risk, &amp; regulatory expectations<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-919db16 section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"919db16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial institutions manage large amounts of sensitive customer information and operate in a highly regulated environment. As <a href=\"\/artificial-intelligence\/\" target=\"_blank\" rel=\"noopener\">AI and advanced analytics<\/a> become part of KYC and AML programs, they can help improve risk assessment, monitoring, and detection, but they must be used within existing <a href=\"\/security-services\/cyber-security\/\" target=\"_blank\" rel=\"noopener\">security and compliance processes<\/a>.<\/p><p>Regulators such as FATF and FinCEN recognize the role technology can play in strengthening financial crime controls. However, financial institutions remain responsible for their compliance programs and must continue to meet requirements such as the Bank Secrecy Act (BSA\/AML) when identifying, assessing, and managing financial crime risks.<\/p><p>AI helps compliance teams manage increasing volumes of activity, but it does not replace experienced investigators. As it can&#8217;t make the decisions involving complex cases, higher-risk customers, and suspicious activity reports still require human assessment. Customer information should also be protected through appropriate privacy and security measures.<\/p><p><span class=\"TextRun SCXW144032500 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW144032500 BCX8\">Organizations that combine innovation with <\/span><\/span><a href=\"\/artificial-intelligence\/ai-governance-consulting\/\" target=\"_blank\" rel=\"noopener\"><span class=\"TextRun Underlined SCXW144032500 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW144032500 BCX8\">ai governance services<\/span><\/span><\/a><span class=\"TextRun SCXW144032500 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW144032500 BCX8\"> are better positioned to meet regulatory expectations while improving the speed and effectiveness of financial crime compliance.<\/span><\/span><span class=\"EOP Selected SCXW144032500 BCX8\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac01f32 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"ac01f32\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"movingToIntelligentCompliance\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Moving to intelligent compliance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1d8c0c section-head-margin-bottom elementor-widget elementor-widget-text-editor\" data-id=\"d1d8c0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Financial crime is becoming harder to detect as financial activity grows more digital and connected. The rise of online banking, instant payments, cross-border transactions, and more sophisticated criminal methods has increased the amount of activity institutions need to monitor and the challenges involved in identifying suspicious behavior.<\/p><p>Traditional KYC and AML processes are having to adapt. Financial institutions are using automation, better <a href=\"\/data-services\/data-analytics-consulting-services\/\" target=\"_blank\" rel=\"noopener\">data analysis<\/a>, and improved risk models to handle growing complexity and help investigators spend more time on cases that require deeper review.\u00a0<\/p><p>As financial crime continues to change, institutions need compliance programs that can adjust with it while maintaining strong oversight and regulatory confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b230774 e-con-full section-head-margin-bottom e-flex e-con e-child\" data-id=\"b230774\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f81a4fc elementor-widget elementor-widget-text-editor\" data-id=\"f81a4fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>At <a href=\"\/\" target=\"_blank\" rel=\"noopener\"><strong>10Pearls<\/strong><\/a><span class=\"TextRun SCXW229113110 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229113110 BCX8\">, our <\/span><\/span><a href=\"\/industry-financial-services\/\" target=\"_blank\" rel=\"noopener\"><span class=\"TextRun Underlined SCXW229113110 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229113110 BCX8\">fintech software development services<\/span><\/span><\/a><span class=\"TextRun SCXW229113110 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"> <span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW229113110 BCX8\">teams<\/span><span class=\"NormalTextRun SCXW229113110 BCX8\"> partner with financial institutions to modernize KYC and AML through AI, automation, and data-driven compliance. As an <\/span><\/span><a href=\"\/artificial-intelligence\/\" target=\"_blank\" rel=\"noopener\"><span class=\"TextRun Underlined SCXW229113110 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229113110 BCX8\">artificial intelligence software development company<\/span><\/span><\/a><span class=\"TextRun SCXW229113110 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW229113110 BCX8\"> working in regulated markets, we can help you develop a practical modernization roadmap that supports both regulatory requirements and business objectives.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af52b4e indigo-btn indigo-btn--gradient elementor-widget elementor-widget-button\" data-id=\"af52b4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/get-in-touch\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let\u2019s connect<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9385cc3 indigo-h2 section-title-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"9385cc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs about KYC &amp; AML modernization<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-97d1446 elementor-widget-mobile__width-initial section-head-margin-bottom elementor-widget elementor-widget-n-accordion\" data-id=\"97d1446\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1590\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1590\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Can AML monitoring reduce false positives? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1590\" class=\"elementor-element elementor-element-1a93db1 e-con-full e-flex e-con e-child\" data-id=\"1a93db1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72ad540 elementor-widget elementor-widget-text-editor\" data-id=\"72ad540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Yes. Modern AML monitoring uses customer behavior and risk information to reduce unnecessary alerts. This helps investigators focus on activities that are more likely to involve real risk.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1591\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1591\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is AML transaction monitoring? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1591\" class=\"elementor-element elementor-element-e65aa38 e-con-full e-flex e-con e-child\" data-id=\"e65aa38\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8027ec5 elementor-widget elementor-widget-text-editor\" data-id=\"8027ec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AML transaction monitoring is the process financial institutions use to review customer activity for signs of possible financial crime. It looks at factors such as transaction patterns, customer profiles, and account behavior to identify activity that may need further review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1592\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1592\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is the difference between KYC and transaction monitoring? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1592\" class=\"elementor-element elementor-element-d8d655a e-con-full e-flex e-con e-child\" data-id=\"d8d655a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7dbb9cc elementor-widget elementor-widget-text-editor\" data-id=\"7dbb9cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>KYC focuses on understanding who the customer is and assessing their risk. It usually happens during onboarding and continues through regular customer reviews.<br \/><br \/>Transaction monitoring focuses on customer activity after an account is opened. It checks whether transactions match expected behavior and helps identify activity that may require investigation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1593\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1593\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What is perpetual KYC? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1593\" class=\"elementor-element elementor-element-d1679a3 e-con-full e-flex e-con e-child\" data-id=\"d1679a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cacf748 elementor-widget elementor-widget-text-editor\" data-id=\"cacf748\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Perpetual KYC (pKYC) is a continuous process of keeping customer information and risk assessments up to date. It helps financial institutions identify changes in customer risk, such as new sanctions information, ownership changes, adverse media, or unusual account activity, and review them when needed.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1594\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1594\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> What are the three stages of money laundering? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1594\" class=\"elementor-element elementor-element-5861d25 e-con-full e-flex e-con e-child\" data-id=\"5861d25\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cd81148 elementor-widget elementor-widget-text-editor\" data-id=\"cd81148\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Money laundering is often described in three stages that help financial institutions design controls to detect and prevent suspicious activity.<\/p><ul><li>Placement: Illegal funds are introduced into the financial system.<\/li><li>Layering: Transactions are used to hide the original source of the funds.<\/li><li>Integration: The funds are reintroduced into the economy and appear legitimate.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1595\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1595\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> How does AI improve KYC and AML compliance? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1595\" class=\"elementor-element elementor-element-b0831dd e-con-full e-flex e-con e-child\" data-id=\"b0831dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c06724 elementor-widget elementor-widget-text-editor\" data-id=\"7c06724\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>AI can help automate time-consuming tasks such as identity verification, document review, transaction analysis, and alert prioritization.\u00a0It can also help compliance teams identify patterns that may be difficult to detect through manual review alone.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1596\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1596\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Is AI in AML compliance allowed by regulators? <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1596\" class=\"elementor-element elementor-element-b9f55ee e-con-full e-flex e-con e-child\" data-id=\"b9f55ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-281b994 elementor-widget elementor-widget-text-editor\" data-id=\"281b994\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As transaction volumes grow and financial crime methods become more complex, financial institutions need better ways to manage risk and improve compliance. AI can support AML compliance programs by helping analyze activity and identify potential risks faster, <span class=\"TextRun SCXW115376849 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW115376849 BCX8\">but its use must follow strict regulatory frameworks, with proper oversight, human review, and documented governance.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cba9afa e-con-full e-flex e-con e-child\" data-id=\"cba9afa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-09ad83b elementor-widget elementor-widget-heading\" data-id=\"09ad83b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TABLE OF CONTENTS<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ab8ac8 elementor-widget elementor-widget-heading\" data-id=\"7ab8ac8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#whatIsKycAml\">What is KYC &amp; AML?<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c8535fd elementor-widget elementor-widget-heading\" data-id=\"c8535fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#manualKycAmlBreaksDown\">Why manual KYC &amp; AML breaks down<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a833aa elementor-widget elementor-widget-heading\" data-id=\"8a833aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#intelligentComplianceMeans\">What intelligent compliance means<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb1b992 elementor-widget elementor-widget-heading\" data-id=\"bb1b992\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#modernizingKyc\">Modernizing KYC: automated onboarding &amp; perpetual monitoring<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1fe4a9 elementor-widget elementor-widget-heading\" data-id=\"d1fe4a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#modernizingAml\">Modernizing AML: intelligent transaction monitoring<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9ad18e elementor-widget elementor-widget-heading\" data-id=\"e9ad18e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#practicalApproach\">A practical approach to modernizing KYC &amp; AML<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6540607 elementor-widget elementor-widget-heading\" data-id=\"6540607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#complianceRiskRegulatory\">Compliance, risk, &amp; regulatory expectations<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e592f46 elementor-widget elementor-widget-heading\" data-id=\"e592f46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"#movingToIntelligentCompliance\">Moving to intelligent compliance<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0347534 section-padding e-flex e-con-boxed e-con e-parent\" data-id=\"0347534\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bcbc21f indigo-h2 section-head-margin-bottom elementor-widget elementor-widget-heading\" data-id=\"bcbc21f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related blogs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92b19c8 elementor-widget elementor-widget-insights_section_widget\" data-id=\"92b19c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"insights_section_widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\t\t\/* \u2500\u2500 Widget wrapper \u2500\u2500 *\/\n\t\t#isw-92b19c8 {\n\t\t\tposition: relative;\n\t\t\tpadding: 0 40px; \/* space for arrows on left\/right *\/\n\t\t\tbox-sizing: border-box;\n\t\t}\n\t\t#isw-92b19c8 .isw-outer {\n\t\t\tposition: relative;\n\t\t\toverflow: hidden;\n\t\t\tpadding: 20px 0;\n\t\t\tmargin: -20px 0;\n\t\t}\n\t\t#isw-92b19c8 .isw-track {\n\t\t\tdisplay: flex;\n\t\t\tflex-direction: row;\n\t\t\tflex-wrap: nowrap;\n\t\t\tgap: 20px;\n\t\t\ttransition: transform .5s cubic-bezier(.25,.46,.45,.94);\n\t\t\twill-change: transform;\n\t\t\talign-items: stretch;\n\t\t\tvisibility: hidden;\n\t\t}\n\t\t#isw-92b19c8 .isw-slide { flex-shrink: 0; box-sizing: border-box; display: flex; }\n\n\t\t\/* \u2500\u2500 Card \u2014 no shadow by default, only on hover \u2500\u2500 *\/\n\t\t#isw-92b19c8 .isw-card {\n\t\t\tborder-radius: 16px; overflow: hidden; width: 100%; flex: 1;\n\t\t\tposition: relative; height: 380px; background: #fff;\n\t\t\tbox-shadow: none;\n\t\t\ttransition: box-shadow .3s ease;\n\t\t}\n\t\t#isw-92b19c8 .isw-card:hover {\n\t\t\tbox-shadow: 0px 14px 36px -8px rgba(99,102,241,0.2);\n\t\t}\n\n\t\t\/* Layer 1 \u2014 Image *\/\n\t\t#isw-92b19c8 .isw-img-wrap {\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\twidth: 100%; height: 100%; z-index: 1;\n\t\t}\n\t\t#isw-92b19c8 .isw-img-wrap img {\n\t\t\twidth: 100%; height: 100%; display: block; object-fit: cover;\n\t\t}\n\n\t\t\/* Layer 2 \u2014 Text bar *\/\n\t\t#isw-92b19c8 .isw-text-wrap {\n\t\t\tposition: absolute; bottom: 0; left: 0;\n\t\t\twidth: 100%; height: 35%; z-index: 2;\n\t\t\tbackground: #fff; padding: 16px 24px 20px;\n\t\t\tbox-sizing: border-box; display: flex; flex-direction: column;\n\t\t\tgap: 8px; overflow: hidden;\n\t\t\ttransition: height .35s cubic-bezier(.4,0,.2,1);\n\t\t}\n\t\t#isw-92b19c8 .isw-card:hover .isw-text-wrap { height: 100%; }\n\n\t\t#isw-92b19c8 .isw-excerpt-wrap,\n\t\t#isw-92b19c8 .isw-readmore-wrap { display: none; }\n\t\t#isw-92b19c8 .isw-card:hover .isw-excerpt-wrap { display: block; }\n\t\t#isw-92b19c8 .isw-card:hover .isw-readmore-wrap { display: block; margin-top: auto; }\n\n\t\t\/* \u2500\u2500 Variation 2 overrides \u2500\u2500 *\/\n\t\t#isw-92b19c8.isw-v2 .isw-card {\n\t\t\theight: 530px;\n\t\t\tborder-radius: 15px;\n\t\t\tbox-shadow: none;\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-card:hover {\n\t\t\tbox-shadow: 0px 14px 36px -8px rgba(99,102,241,0.2);\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-img-wrap {\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\twidth: 100%; height: 100%; z-index: 1;\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-img-wrap img {\n\t\t\twidth: 100%; height: 100%;\n\t\t\tposition: absolute; top: 0; left: 0;\n\t\t\tobject-fit: cover;\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-text-wrap {\n\t\t\tposition: absolute; bottom: 0; left: 0;\n\t\t\twidth: 100%; height: 120px; z-index: 2;\n\t\t\tpadding: 12px 20px;\n\t\t\tbox-sizing: border-box; display: flex;\n\t\t\tflex-direction: column; gap: 6px;\n\t\t\toverflow: hidden; justify-content: center;\n\t\t\ttransition: height .2s ease-in-out, padding .2s ease-in-out;\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-card:hover .isw-text-wrap {\n\t\t\theight: 100% !important;\n\t\t\tpadding: 24px 20px !important;\n\t\t\tjustify-content: flex-start !important;\n\t\t\toverflow-y: auto !important;\n\t\t}\n\t\t#isw-92b19c8.isw-v2 .isw-title { margin-bottom: 4px !important; margin-top: 0 !important; }\n\t\t#isw-92b19c8.isw-v2 .isw-excerpt { margin: 6px 0 !important; }\n\t\t#isw-92b19c8.isw-v2 .isw-readmore { text-decoration: none; display: inline-block; }\n\t\t#isw-92b19c8.isw-v2 .isw-card:hover .isw-excerpt-wrap { display: block; }\n\t\t#isw-92b19c8.isw-v2 .isw-card:hover .isw-readmore-wrap {\n\t\t\tdisplay: flex; justify-content: flex-end; margin-top: auto;\n\t\t}\n\n\t\t\/* \u2500\u2500 Tag \u2014 no underline, same for V1 and V2 \u2500\u2500 *\/\n\t\t#isw-92b19c8 .isw-tag {\n\t\t\tfont-family: \"Figtree\", sans-serif !important;\n\t\t\tfont-size: 14px !important;\n\t\t\tfont-weight: 600 !important;\n\t\t\ttext-transform: uppercase;\n\t\t\topacity: 0.75;\n\t\t\tmargin: 0;\n\t\t\tline-height: 18px;\n\t\t\tborder-bottom: none !important;\n\t\t\tdisplay: block;\n\t\t}\n\n\t\t\/* \u2500\u2500 Title \u2500\u2500 *\/\n\t\t#isw-92b19c8 .isw-title {\n\t\t\tfont-family: \"Figtree\", sans-serif !important;\n\t\t\tfont-size: 20px !important;\n\t\t\tfont-weight: 700 !important;\n\t\t\tline-height: 24px !important;\n\t\t\tcolor: #171616 !important;\n\t\t\tmargin: 0;\n\t\t\tdisplay: -webkit-box;\n\t\t\t-webkit-line-clamp: 3;\n\t\t\t-webkit-box-orient: vertical;\n\t\t\toverflow: hidden;\n\t\t}\n\t\t#isw-92b19c8 .isw-title a { color: inherit !important; text-decoration: none; }\n\n\t\t\/* \u2500\u2500 Arrows \u2014 outside the slider via widget padding \u2500\u2500 *\/\n\t\t#isw-92b19c8 .isw-prev,\n\t\t#isw-92b19c8 .isw-next {\n\t\t\tposition: absolute;\n\t\t\ttop: calc(50% - 30px); \/* vertically centered on card area *\/\n\t\t\ttransform: translateY(-50%);\n\t\t\tbackground: none !important;\n\t\t\tborder: none !important;\n\t\t\tbox-shadow: none !important;\n\t\t\tpadding: 0;\n\t\t\tcursor: pointer;\n\t\t\twidth: 24px; height: 24px;\n\t\t\tdisplay: flex;\n\t\t\talign-items: center; justify-content: center;\n\t\t\tz-index: 10;\n\t\t\toutline: none;\n\t\t}\n\t\t#isw-92b19c8 .isw-prev { left: 4px; }\n\t\t#isw-92b19c8 .isw-next { right: 4px; }\n\t\t#isw-92b19c8 .isw-prev::after,\n\t\t#isw-92b19c8 .isw-next::after,\n\t\t#isw-92b19c8 .isw-prev::before,\n\t\t#isw-92b19c8 .isw-next::before { display: none !important; content: none !important; }\n\t\t@media(max-width:768px){\n\t\t\t#isw-92b19c8 .isw-prev,\n\t\t\t#isw-92b19c8 .isw-next { display: none !important; }\n\t\t\t#isw-92b19c8 { padding: 0; }\n\t\t\t\/* V2 mobile: fixed image height, card height follows *\/\n\t\t\t#isw-92b19c8.isw-v2 .isw-card { height: 500px !important; }\n\t\t\t#isw-92b19c8.isw-v2 .isw-img-wrap { height: 402px !important; }\n\t\t\t#isw-92b19c8.isw-v2 .isw-img-wrap img { object-fit: fill !important; height: 95% !important; }\n\t\t}\n\n\t\t\/* Dots *\/\n\t\t#isw-92b19c8 .isw-dots {\n\t\t\tdisplay: flex;\n\t\t\talign-items: center;\n\t\t\tjustify-content: center;\n\t\t\tgap: 16px;\n\t\t\tmargin-top: 32px;\n\t\t\theight: 36px;\n\t\t\tbox-sizing: content-box;\n\t\t}\n\t\t#isw-92b19c8 .isw-dot {\n\t\t\twidth: 10px !important;\n\t\t\theight: 10px !important;\n\t\t\tborder-radius: 50% !important;\n\t\t\tbackground: var(--e-global-color-f527530) !important;\n\t\t\topacity: 0.25;\n\t\t\tcursor: pointer;\n\t\t\tborder: none !important;\n\t\t\tpadding: 0;\n\t\t\ttransition: width .25s ease, height .25s ease, opacity .25s ease, background .25s ease, border .25s ease;\n\t\t\tflex-shrink: 0;\n\t\t\tdisplay: block;\n\t\t\tbox-sizing: border-box;\n\t\t}\n\t\t#isw-92b19c8 .isw-dot.active {\n\t\t\twidth: 14px !important;\n\t\t\theight: 14px !important;\n\t\t\topacity: 1 !important;\n\t\t\tbackground: var(--e-global-color-5d532a8) !important;\n\t\t\tborder: 3px solid var(--e-global-color-f527530) !important;\n\t\t}\n\n\t\t\/* Read More *\/\n\t\t#isw-92b19c8 .isw-readmore {\n\t\t\tfont-size: 14px; font-weight: 600;\n\t\t\ttext-decoration: none; color: #171616 !important;\n\t\t\tborder-bottom: 1px solid #171616;\n\t\t\tdisplay: inline-block;\n\t\t}\n\t\t<\/style><div id=\"isw-92b19c8\" class=\"isw-v2\"><button class=\"isw-prev\" aria-label=\"Previous\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M15.75 19.5L8.25 12L15.75 4.5\" stroke=\"#000\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><button class=\"isw-next\" aria-label=\"Next\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M8.25 4.5L15.75 12L8.25 19.5\" stroke=\"#000\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/button><div class=\"isw-outer\"><div class=\"isw-track\"><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/aml-transaction-monitoring-thumbnail.webp\" alt=\"AML Transaction Monitoring and KYC: From Manual to AI\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\">AML Transaction Monitoring and KYC: From Manual to AI<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Traditional KYC and AML processes are struggling to keep up with modern financial crime. Learn how automation and AI are...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/aml-transaction-monitoring\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/how-enterprises-scale-ai-without-losing-accountability\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/enteprises-scale-ai-without-losing-accountability-thumbnail.webp\" alt=\"How Enterprises Can Scale AI Without Losing Accountability\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/how-enterprises-scale-ai-without-losing-accountability\/\">How Enterprises Can Scale AI Without Losing Accountability<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">AI now writes a large share of production code, and it does not just change how software is built, it...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/how-enterprises-scale-ai-without-losing-accountability\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/build-vs-buy-ai-talent\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/Build-vs-Buy-AI-Talent-Thumbnail-1024x1024.webp\" alt=\"Build vs Buy AI Talent: A CTO\u2019s Guide\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/build-vs-buy-ai-talent\/\">Build vs Buy AI Talent: A CTO\u2019s Guide<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Hiring an AI team is only one way to build capability. This guide helps CTOs weigh the trade-offs between hiring,...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/build-vs-buy-ai-talent\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-opportunity-enterprise-data\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/10\/The-AI-Opportunity-in-Enterprise-Data-Featured.webp\" alt=\"The AI Opportunity in Enterprise Data\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-opportunity-enterprise-data\/\">The AI Opportunity in Enterprise Data<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Enterprises have more data than ever, but traditional predictive approaches may not be suitable to capture the context within it....<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/ai-opportunity-enterprise-data\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-pilot-failure\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/ai-pilot-failure-thumbnail.webp\" alt=\"AI Pilot Failure: Why Enterprise AI Pilots Don\u2019t Scale\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-pilot-failure\/\">AI Pilot Failure: Why Enterprise AI Pilots Don\u2019t Scale<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">AI pilot failure often stems from execution gaps. Discover why enterprise AI pilots struggle to scale, and what it takes...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/ai-pilot-failure\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/top-fintech-app-development-companies-2026-thumbnail.webp\" alt=\"Top 10 Fintech App Development Companies in 2026\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">Fintech<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\">Top 10 Fintech App Development Companies in 2026<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Looking for a reliable fintech app development partner? Explore the top fintech app development companies in 2026 and compare their...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/top-fintech-app-development-companies\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-energy-industry\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/Understanding-the-uses-of-AI-in-energy-sector-Main-Blog-Thumbnail-1024x1024.webp\" alt=\"Understanding the uses of AI in energy sector\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-energy-industry\/\">Understanding the uses of AI in energy sector<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">This blog explores how AI is transforming the energy sector, the opportunities it offers in various energy domains, and what...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/ai-in-energy-industry\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/integrating-ai-with-legacy-systems\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/Integrating-AI-with-Legacy-Systems-Main-Blog-Thumbnail-1024x1024.webp\" alt=\"Integrating AI with Legacy Systems: Enterprise Guide\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/integrating-ai-with-legacy-systems\/\">Integrating AI with Legacy Systems: Enterprise Guide<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Four in five enterprises are struggling to connect AI to the systems they already run. Four proven strategies for bridging...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/integrating-ai-with-legacy-systems\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/enterprise-ai-adoption-challenges\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/Why-AI-Adoption-Fails-In-Large-Organizations-Main-Blog-Thumbnail-1024x1024.webp\" alt=\"AI Adoption Challenges and How Enterprises Can Solve Them\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/enterprise-ai-adoption-challenges\/\">AI Adoption Challenges and How Enterprises Can Solve Them<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">Explore the key enterprise AI adoption challenges businesses face, from data and governance to talent and strategy, and discover practical...<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/enterprise-ai-adoption-challenges\/\">Read More<\/a><\/div><\/div><\/div><\/div><div class=\"isw-slide\"><div class=\"isw-card\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-powered-devops-in-healthcare\/\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;z-index:1;display:block;text-decoration:none;\"><div class=\"isw-img-wrap\"><img decoding=\"async\" src=\"https:\/\/10pearls.com\/uk\/wp-content\/uploads\/2026\/09\/ai-powered-devops-healthcare-release-cycles-thumbnail.webp\" alt=\"AI-powered DevOps in healthcare\" loading=\"lazy\"><\/div><\/a><div class=\"isw-text-wrap\"><p class=\"isw-tag\">AI\/ML<\/p><p class=\"isw-title\"><a href=\"https:\/\/10pearls.com\/uk\/blog\/ai-powered-devops-in-healthcare\/\">AI-powered DevOps in healthcare<\/a><\/p><div class=\"isw-excerpt-wrap\"><p class=\"isw-excerpt\">AI-powered DevOps in healthcare accelerates release cycles with smarter code review, self-healing test automation, and proactive monitoring, without risking compliance.<\/p><\/div><div class=\"isw-readmore-wrap\" style=\"text-align:left\"><a class=\"isw-readmore\" href=\"https:\/\/10pearls.com\/uk\/blog\/ai-powered-devops-in-healthcare\/\">Read More<\/a><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"isw-dots\"><\/div><\/div><script>(function(){\n\t\t\tvar id       = \"isw-92b19c8\";\n\t\t\tvar spvDesk  = 3;\n\t\t\tvar spvTab   = 2;\n\t\t\tvar gap      = 20;\n\t\t\tvar total    = 10;\n\t\t\tvar autoplay = true;\n\t\t\tvar autoSpd  = 5000;\n\t\t\tvar showDots = true;\n\n\t\t\tvar wrap  = document.getElementById(id);\n\t\t\tif(!wrap) return;\n\t\t\tvar outer  = wrap.querySelector(\".isw-outer\");\n\t\t\tvar track  = wrap.querySelector(\".isw-track\");\n\t\t\tvar slides = wrap.querySelectorAll(\".isw-slide\");\n\t\t\tvar dotsWrap = wrap.querySelector(\".isw-dots\");\n\t\t\tvar btnPrev  = wrap.querySelector(\".isw-prev\");\n\t\t\tvar btnNext  = wrap.querySelector(\".isw-next\");\n\n\t\t\tvar cur      = 0;\n\t\t\tvar timer    = null;\n\t\t\tvar spv      = spvDesk;\n\n\t\t\tfunction getSpv(){\n\t\t\t\tvar w = window.innerWidth;\n\t\t\t\tif(w <= 480)  return 1;\n\t\t\t\tif(w <= 900)  return spvTab;\n\t\t\t\treturn spvDesk;\n\t\t\t}\n\n\t\t\tfunction setSlideWidths(){\n\t\t\t\tspv = getSpv();\n\t\t\t\tvar outerW = outer.offsetWidth;\n\t\t\t\tvar slideW = (outerW - gap * (spv - 1)) \/ spv;\n\t\t\t\t[].forEach.call(slides, function(s){\n\t\t\t\t\ts.style.width    = slideW + \"px\";\n\t\t\t\t\ts.style.minWidth = slideW + \"px\";\n\t\t\t\t});\n\t\t\t}\n\n\t\t\tfunction maxPage(){ return Math.max(0, total - spv); }\n\n\t\t\tfunction goTo(n, instant){\n\t\t\t\tn = Math.max(0, Math.min(n, maxPage()));\n\t\t\t\tcur = n;\n\t\t\t\tsetSlideWidths();\n\t\t\t\tvar slideW = slides[0] ? 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Learn how automation and AI are changing compliance. 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