KYC/AML for smaller digital banks - balancing compliance and customer experience

Been following the discussions around increased regulatory scrutiny on digital-first banks, especially those operating across multiple jurisdictions. It seems like the landscape for KYC/AML is constantly evolving, with new guidance and technologies emerging all the time. For smaller, agile digital banks, how are they effectively balancing the need for robust compliance infrastructure with maintaining a seamless customer onboarding experience? I'm curious about the specific tech solutions or operational frameworks folks have seen work well without significantly increasing friction for legitimate customers.