The State of
Financial Crime 2025

Packed with practical tips from our team of subject-matter experts, the report explores the major trends and topics set to shape the year in compliance. The key findings include:

• While organized crime rises, firms lack guidance.
  Over two-thirds of firms expressed a need for clearer guidance on the illicit activities driving organized crime, underscoring its growing complexity and prevalence. As criminal networks evolve, how can firms strengthen their defenses and stay resilient?
• Real-time payments (RTPs) set for a breakthrough.
  100% of EU firms believe they are on track to meet SEPA ICT requirements, though not without some significant upgrades to tech stacks and personnel. Meanwhile, the US is experiencing rapid RTP growth, yet consumer adoption remains low. With countries like the UK and India leading in RTP usage, how can firms worldwide align their strategies to drive adoption and harness the full potential of RTPs?
• Businesses & regulators: At odds over AI?
  91% of firms are willing to trade AI explainability for efficiency, despite 70% believing they understand regulatory oversight of AI in financial crime detection. With firms eager to leverage AI for compliance, how can they ensure that efficiency gains don’t come at the cost of regulatory misalignment?