디지털 은행과 AML 규정 준수: 여전히 남아있는 사각지대인가?

That's a fair point. While the tech stack might allow for better data aggregation, the actual implementation of AML/KYC often comes down to the human element and the regulatory oversight, which can be patchy in emerging markets where some of these digital banks operate.

It's a valid point. The 'digital' aspect often gets conflated with 'secure' or 'compliant,' but the underlying processes are what truly matter. Speed of onboarding doesn't necessarily correlate with robust AML, and in some cases, it might even be a red flag.

It's a fair point. The 'digital' aspect often gets conflated with 'secure' or 'compliant,' but the underlying processes are what matter. Speed of account opening can definitely be a red flag if due diligence is sacrificed.