KYC Automation for Scale vs. The Human Touch

It's a common dilemma, particularly for fintechs experiencing rapid growth: how do you scale KYC processes without completely losing the plot on nuanced risk assessment? We've all seen the vendors promising AI-driven, end-to-end solutions that can onboard a client faster than you can say 'beneficial owner,' but then you read about some obscure PEP living in a country whose regulatory framework changes monthly, and you wonder if pure automation can ever truly flag that effectively. Are we just kicking the can down the road, relying on retroactive flags, or is there a genuine sweet spot where automated systems significantly reduce the grunt work while still allowing for a human to step in on edge cases without blowing out your operating costs? Interested to hear what others' experiences have been in balancing speed and due diligence.