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Regulators expect transparent flow of funds, clear consent, and robust KYC for every digital touchpoint. Automation is the only practical way to meet volume and evidence requirements.
Key areas include loan servicing disclosures, co-lending reconciliation, and cooling-off workflows. Systems should emit immutable logs for audits and support borrower self-service for key requests.
KYC refresh and income verification must tie to source systems, not spreadsheets. Banks that centralize policy in a rules engine adapt faster when circulars add new checks.
Partner due diligence for LSPs and DLAs should be periodic and scored, with automated triggers when risk profiles change.
