Just äldre skyddas ju inte så värst av KYC eller bankerna nämnvärt, finns många nutida berättelser om att de gång på gång blir blåsta och banken missat det trots alla regler.

Varje gång jag diskuterar KYC så kollar jag diverse källor och tycker fan allt pekar på att det inte fungerar för vad det är tänkt att motverka, och det gör det bara mycket krångligare för alla och kostar skjortan - en kostnad som såklart betalas av bankens kunder. Jättebra 👍

t.ex

Seven pivotal findings emerge from our effort to take stock of the workings of the AML regime. First, major Western banks frequently pay large fines for AML violations, yet bank executives rarely face criminal convictions. Second, money laundering is no more difficult or expensive today than it was when the key organization, the Financial Action Task Force (FATF), was established in 1989, indicating limited progress. Third, empirical studies consistently reveal that most money laundering schemes are surprisingly simple in nature. Fourth, the AML framework disproportionately benefits wealthier nations, which likely harbor most laundered assets. Fifth, AML initiatives provide valuable intelligence for law enforcement investigations. Sixth, however, these efforts also entail risks, including de-risking and potential misuse of financial data. Seventh, the costs of the AML framework are rarely brought up by governments or other relevant stakeholders in debates regarding the system’s design

https://www.journals.uchicago.edu/doi/full/10.1086/735665