Có ai khác cảm thấy khó khăn vì việc siết chặt giám sát AML đối với các khoản thanh toán xuyên biên giới không?

Yeah, it's definitely noticeable. I've had a few transfers get held up longer than usual lately, and the requests for documentation have become more frequent. It's a double-edged sword, I guess – good for preventing illicit activities, but a pain for legitimate transactions.

The increased scrutiny is definitely noticeable, especially for smaller players. I suspect it's less about baking it into fees and more about the larger institutions pushing the compliance burden downstream, making it harder for nimble fintechs to compete efficiently.

It's definitely an added layer of complexity. I suspect for some of the smaller players, it's a significant burden, but the larger ones likely have dedicated compliance teams already. It'll be interesting to see if this trend leads to further consolidation.