Regulatory insights for regulated finance
Practical analysis of the regulations, standards, and supervisory expectations shaping financial-crime compliance and operational governance across Southeast Asia.
SBV Circular 83: Having an Authority Matrix Is Not the Same as Enforcing Decision Authority
Approval limits and delegation matrices are already part of banking operations. Circular 83 raises a harder question: when a decision was actually made, can the bank show the authority conditions it set were the ones followed?
Read insight →SBV Circular 83: Having Three Lines of Defence Is Not the Same as Being Able to Evidence Them
Vietnamese banks already know the three-lines-of-defence model. Circular 83 raises a harder question: can a bank show how those lines actually worked when a real risk decision was made?
Read insight →Decision Governance in the Age of Programmable Money
Payments can now release themselves once the conditions are met. The approval rule, the exception, and whoever changed that rule last week still have to be accounted for somewhere.
Read insight →Why AI Changes Cross-Border Payments Beyond Settlement
Banks are letting AI recommend which payments proceed. The harder part arrives months later, when someone has to show how the decision was actually made.
Read insight →Every Stablecoin Payment Still Depends on Trust
Faster settlement is arriving. Knowing who was paid, whether the checks were done and who approved it has not become any less important.
Read insight →Stablecoins Are Solving Settlement. But Who Is Governing the Decisions?
Stablecoins can settle a cross-border payment in minutes. The checks, approvals and judgement calls that happen before the money moves are unchanged, and that part of the conversation is still largely missing.
Read insight →The Next Chapter of AI in Banking Will Be Defined by Accountability
As banks move AI from pilots into everyday operations, the harder question is no longer what a model can do, but whether accountability holds as decisions move across people and systems.
Read insight →SBV Circular 83/2025: What It Means for Operational Governance in Banks
How Vietnam’s new internal-control rules raise the bar from documenting policy to demonstrating consistent, accountable execution — and what banks can do to prepare.
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