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Explore JOA Solutions’ expert insights on Legal Compliance, Commercial Strategy, and Commercial Risk Management, helping industry leaders navigate today’s biggest challenges and opportunities.

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When "My Contacts" means EVERYONE

The conversation around privacy didn’t start with social media, smartphones or AI. Before the “digital age” really kicked off, we had already been asking how much of ourselves should other people have access to? For the last few years, digital privacy has focused on surveillance, data collection and encryption, and we’ve seen regulations like the DPA and GDPR attempt to tighten access between corporations and individuals, and as much as those issues still matter I think we’re

LLMs vs AML: Smarter Compliance or Smarter Risk

Is ChatGPT your new best friend, or has Gemini become your favourite digital companion? Artificial intelligence has embedded itself into everyday life with remarkable speed, transforming how people work, communicate, and make decisions. Though, as reliance on these large language models continues to grow, an important question is emerging within financial crime compliance; can these same systems truly be trusted in our fight on financial crime? The promise of AI within AML is

Financial Crime In Focus - Key Updates Shaping Q2 2026

As we move further through Q2 2026, regulators are reinforcing a consistent message: “financial crime frameworks alone are no longer enough”, and expectations are shifting towards effectiveness, evidence and accountability. Here are four developments shaping the landscape so far: 1. FCA penalty highlights market abuse surveillance failures Recent FCA enforcement action against a merchant bank reinforces growing scrutiny around surveillance controls. The message is increasin

The FinFluencer

Not as glamorous as the lifestyle influencer or as relatable as the food influencer, the finance influencer (FinFluencer) is aspirational yet strategic, persuasive, and usually walking a fine line between advice and sales.

The Chargeback Crisis

Not as flashy as a data breach or as dramatic as ransomware, chargebacks remain the slow burn of the payments industry, and now they are more clearly the consequence of growing challenges within the FinCrime landscape.