PwC’s ‘EMEA AML Survey’ 2026 finds that despite the EU’s push for AML harmonisation, most firms remain unprepared, facing higher costs, data issues, and major operational disruption ahead of 2027

The survey finds that compliance costs are expected to rise significantly, particularly due to stricter customer due diligence (CDD), beneficial ownership verification, and enhanced transaction monitoring requirements. Firms also report that fragmented legacy systems and poor data quality remain major obstacles to effective implementation. While technology—especially AI and advanced analytics—is seen as critical to meeting regulatory expectations, many organisations are still in early stages of digital transformation…